My Goals For 2012

Buy more on stock market every month.

Buy more risky shares on the stock market four times a year.

Put the rest of your income in a bank account with good interest.

Plan ahead what to spend your money on, and how much, for example vacation.

Dont spend money on worthless junk.

Remember How You Spent Your Money When You Were Poor!

If you ever have been poor and without a lot money, you know that you had to be careful what you spendid you money on. Maybe you just could afford to buy food for the month and nothing else. Then, you will become very aware of what you buying, right.

Because, maybe normally, you would see cloth or some electronic gadget you just must have, and if you just have had salary you would go in and buy it! If you have a lot of money, you could do that, and still get food on the table.

But if you are poor you can´t afford such things anymore. So if you have been poor, and later earned more money, maybe with a job that gives you a stable income, you must remember how it was to be poor. The consequence of such thinking will be that you will get more money income, because hopefully you have a steady income, and at the same time, you will not spend money on unneccessary things either. The perfect combo!

Learn more about saving money.

Trading At The Stock Market

Yes, you can make money at the stock market. It´s not that easy to make money, but it´s quite possible, and if you have the skills, (and some luck), you might able to make a lot of money.

The trick here, is to find the right stock, and to buy it the right time, and if neccessary sell it at the right time too. A tips, is to play it safe at first, meaning that you only buy safe stocks, for a small amount in the beginning, and later when you feel more experienced, you can buy for more money, and maybe buy more risky stocks.

Because it costs money to buy at the stock market, a good idea is to buy a few times a year, but for a higher amount. Like in everything, time is of the essence here, the more you wait, and the more patience you are, the more money you will make at the stock market. But don´t be hasty, take time to investigate the stock market, and what you are going to invest in.

If you like to know more about making money at the stock market, click here.

How To Relax On Your Vacation, And Keep On Relaxing After Your Vacation

Everyone like to go to vacation, right? Because then you can relax and getting away from it all. But after the vacation people might start worrying about money etc.

Well, you don´t have to spend so much money when you are on vacation! If you have children, maybe they like to visit their relatives rather than go to a exotic country.

But of course, sometimes you really want to travel to a far away country, but you can still think about how you going to spend your money.
Here are some tips:

Set a limit how much you want to spend money abroad.
Make sure you pay all bills before you go.
Don´t buy things(clothes etc) that you can buy at home or online. They are usually more expensive at touristplaces.
Ask others about advice, what to do and what not to do at the vacation place. Maybe they have some advice that can save you money on your trip!

Start Saving Money

If you have an monthly income, you know that the money tends to slip away on bills, food, fun and so on and on.
But try to take a certain amount of money every month, maybe 5-10% of your salary and put it away in a bank. If you this every month, that amount will grow and if you have a good bank account, you will have some interest for your well-earned money.

With that money, you can maybe take a vacation or buy something you normally can´t afford. So try to save some money with every paycheck.
It doesn´t matter how much you earn, it is what you decide that matters. Just decide to save som money every month, and you will see your money grow, and that without any real work!

If you feel like you can´t afford to put away any money, try to cut down on something else, like expensive food, or papers or clothes. You can afford those later, when you have saved money!

If you like to know more about saving strategies Click here.

Goals!

Yes, goals are important, without them I personally would be lost.
But what have goals to do with economy you might ask?

Well, everything would be my answer! If you, for example, want to buy a car in 2 years, and you have to save up some money in order to buy it, your goal would be the car and not the money. So everytime you need to make money or save money, you can think of your car that will be yours.

So in that case a car will be your motivation to earn money or to save them. Of course it can be anything, that motivate you, your family, vacation, or even money itself. The point is, if it´s working for you when use it.

Sometimes, to have a big goal that you will reach in a couple of years, and it´s to long to motivate you to reach your goal. Then, you should also set up lesser goals, that you can reach faster. Maybe, instead of having a certain amount of money at the bank, your goal will be half that sum, in half the time. When it wont takes as much time to reach your and you will still get a good feeling when you reach it!

Bonus link: If you would like to know more about goals, click here.

Be A Smart Buyer

Be a smart buyer, Dont´ but anything just because it´s cheap, buy it because it´s worth the money! Usually this things cost a little more than the cheapest alternative, but not so much as the most expensive either.

Buy things at the wrong season, to get a better price, for example don´t buy a bike at spring, buy it at winter.

Dont buy things straight away, wait a minute and think: is it really worth it? Maybe you change your mind when you come home?


Go to the library and loan books before you buy them! Maybe you won´t like the book you just bought.

This can be applicated on every field when buying stuff, so remember be a smart buyer!