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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 for a great part of my life,  December is a month when we receive an extra salary in some places, as it is the case with Brazilian labor 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 commission. Spend it wisely     1. Renew your wardrobe can be a smart spence, but only if you don’t do it often. The secret is in choosing the right pieces, without spending too much; quality clothes that last and that you’ll use often.     2. Silvia suggests buying an expensive anticelulitis cream with a inovative formula that fights celulitis and localized fat, but I think that investing in getting in shape requires more action; registration fee in a gym, or for any physical activity you like...
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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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