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Kostenloses Dokument: 5 Tipps wie Sie Ihre Geldausgaben optimieren

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Dieses englischsprachige Handbuch von Autor und Erfolgstrainer Steve Chitty richtet sich an Unternehmer, Freiberufler und alle, die zwar gutes Geld verdienen, aber trotzdem Schwierigkeiten haben, ihren Kopf über Wasser zu halten. Fünf einfache Tipps helfen Ihnen, mehr Kontrolle über Ihre Finanzen zu erhalten. (PDF-Datei, 25 Seiten, 268 KB)

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Grobe Voransicht des Dokuments: '5 Tipps wie Sie Ihre Geldausgaben optimieren' (Teil 3):

scoring. She
may feel her routine is going well but she won't know the real score until she has
finished. Now contrast this to a rugby team in the heat of battle. At any point in
the game the coach can glance up at the scoreboard and get instant feedback on
how well his team is performing. This feedback allows him to adjust the game
plan with the goal of improving the score.
Whilst the gymnast may have a fair idea of how well she is doing, the rugby team
knows exactly how well it is doing because everyone can see the score during
the game.
When it comes to managing our money many of us are like the gymnast, we
have only a rough idea of how well we are doing. However, to successfully keep
more of the money we earn, like the rugby team we must have a clear idea of
how well we are doing (or how poorly we are doing). It's not enough to have a
rough idea of how much we earn, roughly how much we spend or roughly how
much we owe.
Unfortunately, like the gymnast, too many people work and play hard only to
discover their score at the end of all their efforts. Some only discover their score
at the end of the financial year when their accountant tells them how much they
have made or lost. Others discover when they go to buy a house and are turned
down for finance that they haven't played their game so well. Worse still, many
get to the end of their earning days and realize they have not played a game that
allows them to enjoy the after match function (retirement).
© Steve Chitty 2011
8
If we are serious about keeping more of the money we earn, and expanding our
options in life, we will need to keep track of our score as we go.
To keep the score we must track
ı Our EXACT income
ı Our EXACT expenditure (i.e. knowing EXACTLY what we spend our
money on)
ı EXACTLY how much we are worth (i.e. our 'net worth' - the difference in
value between what we own and what we owe)'.
However tracking our current score is only part of the picture …
Your Numbers are Speaking to You
I had an accountant friend who used to say "your numbers are speaking to you".
What she was saying is that our finances, when we take the time to analyse
them, are telling us a story. Our numbers are telling us where we can improve
our game today and alerting us to danger signs in the future. If we regularly track
the details of our spending our "numbers" will highlight patterns and habits that
we may be unaware of. When we fail to track our current score we also lack the
knowledge to project forward and predict our financial future.
Only by knowing exactly how much you are earning, spending and investing will
you know whether you are heading towards a future life with lots of options or a
future of limited possibilities.
Clarity is Power
Have you ever noticed how small expenses creep up on you? I am often
amazed how much I spend on cafés in a month – each time I go the cost seems
quite small but over a month it adds up. It's only when I check my spending each
month that my numbers 'speak' to me and suggest I plan my café expenditure a
© Steve Chitty 2011
9
little better. If I never checked my score I would never know I need to make
changes.
Failing to keep the score in our financial game may even negate our best efforts.
For example, I may be watching my savings grow but not realizing that I'm still
going backwards because I'm paying high interest on my credit card. Or, I may
even be disciplined about savings, BUT, may not aware that I'm spending over
$100 on incidental food every week (which would add up to $5000 per year)
simply because I never added it up. If I had tracked this I may have decided to
make my lunches at home instead. Food for thought isn't it!
We can't manage what we can't measure! It's one thing to know how much we
spend each month but until we know exactly what we are spending our money on
we are unable to make educated adjustments to our game plan. Only by tracking
our score regularly do we give our self the power to make adjustments and put
more of our own money back in our pocket. To improve our financial score we
must know EXACTLY where our money is being spent.
Keep Glancing at the Scoreboard – Track Your Score As You Go.
It's up to you to choose how often you check the scoreboard in your financial
game. You may choose to do it daily, weekly, fortnightly or monthly, it's really up
to you but

Grobe Voransicht des Dokuments: '5 Tipps wie Sie Ihre Geldausgaben optimieren':  Teil 1, Teil 2, Teil 3, Teil 4, Teil 5, Teil 6, Teil 7, Teil 8

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