El Disfraz

10 Smart Money Moves to Make in Tough Times
There isn’t a single person that hasn’t been affected by the financial meltdown. Each of us is being asked to think differently about money, reflect onhow much we have and need, why we need it, and how we can make more.
Here are a few things we can all do, regardless of whether we have a dollar to our names, a million or if we’re submerged in debt.1. Stop avoiding the problem and start being honest.
Open the envelopes, call—or even better—visit your bank or broker. Be realistic. So many of us are living in the illusion of total scarcity.Look at what really did happen during the last few months. Get some help. You aren’t supposed to be an expert. Most of us feel intimidated when it comes to money, but the truth is we were never given aproper education about it. You’re not alone. Everyone feels the same way to some degree. But avoiding the subject of money would be like saying, learning to walk is too difficult, so I’m not going todo it. Learn the basics. You’ll feel more grounded. And make sure to hire a banker or accountant you feel good about.
2. Get organized.
Know where your accounts, credit-card statements, insurancedocuments, will, etc. are. Most of us feel overwhelmed because we just don’t know where all of this stands. Often, it’s not the lack of money but more the general level of uncertainty and messinessaround this topic.
3. Review your statements.
Get a feel for what you are spending. Where is your money really going? You may often find some errors and double charges. Look at hidden fees fromall the bills you pay. Confirm that some of your regular income is going to a savings account on a monthly basis. If you have an investment account, take a close look at what you have: stocks, funds,bonds, cash, gold. Know what you have and then ask yourself how it feels. You don’t need to have a finance background to know whether your money situation is letting you sleep at night.
4. Get...