The most common mistakes

The ability to manage money competently is especially valuable quality in the conditions of financial crisis, when the purchasing power of the population is shrinking, inflation is rising, and exchange courses are completely unpredictable. Below are the common errors in money matters and financial planning advice, how to manage your own finances properly.

Solving the problem of having no budget

TThe budget is generally the most basic thing in financial planning. It is therefore especially important to be careful when it is compiling. To start you have to draw up your own budget for the next month, and after a while to make year budget. As the basis take your monthly income, subtract from it such regular expenses as the cost of housing.

Not saving money for contingencies

"When people borrow, they think that they should return it as soon as possible," said Sofia Bera, a certified financial planner and founder of Gen Y Planning company. And at its repayment spend all that earn. But it's not quite rationally ". If you don't have money on a rainy day, in case of an emergency (e.g. emergency of car repairs) you have to pay by credit card or get into new debts.

Thinking only of profits on investments

"Usually when people plan to invest, they only think about profit and not think that loss's possible, says Harold Èvenski, President of the financial management company Evensky & Katz. He said that sometimes people do not do basic mathematical calculations. For example, forgetting that if in one year they lost 50%, and the following year received 50% of the profits, they did not return to the starting point, and lost 25% savings.

Analysis of the enterprise's activity

In order to assess the work of the enterprise, it is necessary to analyze the status of its individual structures. One of such important activities is the assessment of economic activity of the organization. A study of the economic activity of the company plays an important role in reinforcing their effectiveness from an economic point of view. Such an analysis contributes to the improvement of the financial state.

Methods of the recruitment

Search of staff is not an easy task. According to the departmental heads' of personnel management words. For search and selection of necessary staff, a variety of means from the arsenal of psychological science is used : biographical questionnaires, standardized and non-standartized interviews, jobs, modelling work and situational exercises, tests on achievement, personality, intelligence and abilities, polygraphic examinations.

Overalls with logo as a method

Overalls bearing the company's logo are related to economy and practicality. A preference of corporate style involves a significant increase of costs for development of design solutions, customized tailoring, selection of necessary materials and so on. Overalls long ago ceased to perform exclusively utilitarian function.

The main objectives of the marketer

The modern market is absolutely unpredictable. And yet it lives according to strict laws. The marketers need to be known to achieve maximum results in their business - that is the main task of the marketer. At first glance, their work looks pretty boring. Thay learn what changes occur in the global market.

SEO and Web development

We work to increase the profitability of our clients ' business through optimizing ROI, it means by increasing the efficiency of your investment in the Internet. On the Internet are handled the same tasks as in ordinary life: we want a neat, stylish site, want it to be clearly and smoothly working, performing all its functions.

Methods of the recruitment

Search of staff is not an easy task. According to the departmental heads' of personnel management words. For search and selection of necessary staff, a variety of means from the arsenal of psychological science is used : biographical questionnaires, standardized and non-standartized interviews, jobs, modelling work and situational exercises, tests on achievement, personality, intelligence and abilities, polygraphic examinations.

Overalls with logo as a method

Overalls bearing the company's logo are related to economy and practicality. A preference of corporate style involves a significant increase of costs for development of design solutions, customized tailoring, selection of necessary materials and so on. Overalls long ago ceased to perform exclusively utilitarian function.

The main objectives of the marketer

The modern market is absolutely unpredictable. And yet it lives according to strict laws. The marketers need to be known to achieve maximum results in their business - that is the main task of the marketer. At first glance, their work looks pretty boring. Thay learn what changes occur in the global market.

SEO and Web development

We work to increase the profitability of our clients ' business through optimizing ROI, it means by increasing the efficiency of your investment in the Internet. On the Internet are handled the same tasks as in ordinary life: we want a neat, stylish site, want it to be clearly and smoothly working, performing all its functions.

Not saving money for contingencies

"When people borrow, they think that they should return it as soon as possible," said Sofia Bera, a certified financial planner and founder of Gen Y Planning company. And at its repayment spend all that earn. But it's not quite rationally ". If you don't have money on a rainy day, in case of an emergency (e.g. emergency of car repairs) you have to pay by credit card or get into new debts.