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As the warmth approaches, you might think itís time to get some spring-cleaning done and get
your finances into order before things start getting messy. Christmas probably left your wallet
and bank account heavily bruised and you might not be in a position to ask for a raise or bonus
So what can you do in the meantime to avoid rooting under the sofa cushions for cash? Weíve
come up with a few tips to help you get your finances into shape until that raise or windfall comes
along later on.
Plunder your hidden treasures
Your house is full of hidden money, everywhere you look. This is the first step to getting you a bit
of capital on the side. Have a yard sale to try and make money off the things in your house or
apartment that you really donít have any use for any longer. You can always get onto websites
like www.musicmagpie.com to try and
sell some of your old tech, or CDs and DVDs. If you have
enough old junk lying around, youíd be surprised at the amount of money you could make off it.
Get a financial planner
Financial planning no longer requires hiring a specialist to do the math for you. There is a range of
incredible financial planner-apps for your computer and Smartphone that calculate your income
and expenses and breaks everything down into helpful graphs that demonstrate your expenditure.
iReconcile, for instance, is a great app that keeps you on top of your budget. It has a built-in check
register, a notification system and online syncing to your bank account. You can also track your
budget with it, meaning you can calculate anything from daily to annual budgeting.
Donít forget about insurance
This is any easy mistake to make. A lot of people get a certain insurance rate and then forget about
it, while cheaper and better premiums pop up around them everywhere. Revising your insurance
rates for your car and home should be a priority when youíre getting your finances into shape.
Call your insurance provider and inquire about any deals you can get with them, firstly. If they canít
really help you, shop around for some cheaper rates.
Change your bank account
Holding money in a certain account can end up costing you more than you expected. You need to
review how much it actually costs to own your account. See if youíre paying any monthly charges
that you didnít know about. When you open your account, a monthly banking fee may seem low,
but it does add up over a year.