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Smart ideas for using your 13th salary

For those who live on a monthly payment, as it’s been my case fo great part of my life, December is a month when we receive an extra salary in some places, as it is the case with brazillian trabalhist legislation. If you didn’t already spend it all in Christmas gifts or vacations, journalist Silvia Andrade wrote, for Nova magazine, nine ways you can use the extra money. In case you don’t use to receive this benefit, you can use the tips for when you get a bonus or a fat comission. Invest in yourself Actually, these first three suggestions are about spending it, which is not much my thing. But if used wisely, and you’re also not prone to shopping during your average salary months, this could indeed be considered an investment. Not to mention the fact that, after Christmas and New Year, promotion sales lower the price of almost any good, thus it’s one of the best times for getting a discounted price anyway, better yet if you wait for after Carnival sales.     1. Atualiza...
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CoinCoin!

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All you always wanted to know about finances... in comics! Read more CoinCoin! comic strips @ Poison?
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How to set, organize, monitor and achieve your goals for the year

       The beginning of a New Year is the time for  setting goals  and  New Year's resolutions , which usually also include financial goals. For the majority of people, though, they tend to be forgotten before the end of the first month . I wrote an article in three parts to help you  set your goals and consistently pursue them along the year that is summed up here. Starting with pen and paper     The first step is to write down all your goals for the year. You can start by dividing  a blank piece of paper  in   four or more sections .     Write down the  areas of your life  you think need some  improvement . For instance; relationship goals, health goals, financial goals , etc, and b egin writing things you would like to do in each of those fields. Prioritizing and organizing your goals     Having in mind that you're only one person to acomplish all those goals, It's better to list them...
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The top 10 distinctions between millionaires and the middle class

If we are willing to think in the long run, we’re all ready to reach success is the starting point that author Keith Cameron Smith presents on his book for revealing the top 10 mindsets of millionaires for achieving financial security and a successfull life, based on determination and generosity. According to The Top 10 distinctions between millionaires and the middle class , those that search for financial freedom, in spite of only having enough in terms of convenience, eventually find it. The top ten characteristics of millionaire minds are: 1. Thinking in the long run The middle class thinks in short terms. The millionaires think in the long run. Smith tells us that very poor people think daily; poor people think weekly; middle class, montly; rich people think yearly; and millionaires, by decade. He says that people tend to overestimate what they can do in one year and underestimate what they can do in one decade. Long term goals are a key for financial growth planning....
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