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Number one mistake people make with their money?

rds · 41 · 7058

rds

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Just want to share...

"#1 financial mistake out there and how you can avoid or fix it in less than an hour!"

http://www.finishrich.com/blog/the-1-financial-mistake-to-avoid-and-how-to-fix-it-in-less-than-an-hour/


freefront

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Reply #1 on: Jan 24, 2012, 04:47 PM
Sounds like a plan! :D



DonT

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Reply #2 on: Jan 24, 2012, 05:29 PM
Can't view the video...but from what i gather...it focuses on maximum savings...and minimizing debt, but talks little on how to grow your money...right?


SirZap

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Reply #3 on: Jan 24, 2012, 05:35 PM
tama yung nasa video... tama eh!

paaaaawiiiirrr!!!


Archcavalier

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Reply #4 on: Jan 24, 2012, 05:41 PM
just skip 1, 2, 3, 5, and 7.

Only have dream account for investments and regular expenses.

Without a job i would die in 2 days.
Gambling is so much fun especially if your life is on the line.


rds

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Reply #5 on: Jan 24, 2012, 05:52 PM
Can't view the video...but from what i gather...it focuses on maximum savings...and minimizing debt, but talks little on how to grow your money...right?

almost like that sir, but the key is...everything should be AUTOMATIC. from income to bank account, and then automatically it pays everything from pay-your-self-first, to credit cards...everything should be planned and automatic.


research_solutions

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Reply #6 on: Jan 24, 2012, 06:00 PM
Just an automated version of what Colayco says is what it looks like to me


rds

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Reply #7 on: Jan 24, 2012, 06:11 PM
could be. but i am pondering, kaya tayo minsan nawawala sa ating goal kasi hindi automatic ang method.

suppose may sweldo ka, at pag yan ay naging cash thru ATM machine, there will be times that the money will be spent sa mga bagay na hindi nakalaan. but when it becaumes automatic, thru automated transactions sigurado ang papuntahan ng pero mo.

we can use this on-line banking to our advantage.

actually ginagawa ko na sya thru my credit card which 100% na automatic binabayaran ng salary account. so kung di talaga kaya bayaran ng 100% ang previous transaction sa credit card, i have to call the bank just to arrange that certain percentage to be paid, the reason why i always pay my card 100% every month, whether i like it or not...


freefront

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Reply #8 on: Jan 24, 2012, 06:16 PM
^Did you mean enrol all bills sa isang credit card then just bother with the cc's monthly dues thru' online banking? I dis-enrolled some bills because I needed the hard copy of the proof of payments for my tax deductibles. I might have a talk with the cpa how to go about it this time.


rds

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Reply #9 on: Jan 24, 2012, 06:33 PM
my CC was automatically enrolled when i open my on-line account (for my salary). what i did was to call the bank and arrange that my CC dues will be 100% deductible every month to my on-line account. at least now, i won't worry for late payment fees and charges. AND medyo control ako sa pag gamit ng CC ko kasi 100% deductible agad next month.

pwede na rin yata gamitin tong automatic on-line payment sa electricity and water bills sa pinas, di kaya? malaking comfort ito kung sakali.


freefront

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Reply #10 on: Jan 24, 2012, 08:13 PM
^BPI makes it a point for clients to enroll at least 3 utility bills for them to activate your online banking account.


fonfon

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Reply #11 on: Jan 24, 2012, 09:06 PM
How about metrobank? Do they offer automation of money transfer to other accounts / pay your utility bills?


DARK.KNIGHT

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Reply #12 on: Jan 24, 2012, 09:52 PM
^BPI makes it a point for clients to enroll at least 3 utility bills for them to activate your online banking account.

I'm not sure about this^

Got my online banking activated without any utility bills requested.


vicces

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Reply #13 on: Jan 24, 2012, 10:24 PM
^i second the motion. if i remember right, when i opened a savings account, i just filled out a form for the online banking access, and provided them 3rd party accounts i want enrolled (including the existing bpi cc). when i got access to the online banking facility, access to the cc records are likewise viewable (even the 2nd cc i subsequently got) and payable online.

ung auto-debit for the utility bills to be charged against your cc ang di ko pa sinubukan. i pay manually, pero online banking din (bill payments option).


Post Merge: Jan 24, 2012, 10:36 PM
and i just remembered.. the only "automated payment" i do is my donation to unicef (cc auto-debited)... something must be done here!
« Last Edit: Jan 24, 2012, 10:36 PM by vicces »


freefront

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Reply #14 on: Jan 25, 2012, 05:21 AM
I'm not sure about this^

Got my online banking activated without any utility bills requested.

They did. Probably because I dared to ask how to withdraw from the automatic savings feature on my account? :hihi: Sinabi naman na I don't really have to pay those enrolled bills on line. It's just a requirement.


 


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