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Here\'s Some Ideas To Help You With Your Personal Finances Let\'s face reality Today\'s current economic situation is not very good Times are tough for people all over, and, for a great many people, money is particularly tight right now This article contains several tips that are designed to help you improve your personal financial situation If you want to learn to make your money work for you, keep reading  Open a savings account that\'s for emergencies only A bad situation can easily take you from being in great financial shape to financial turmoil iPhone 4 Insurance Abroad   An emergency account will get you through hard times without a scratch, and will help eliminate a major source of stress during whatever tough situation you might be in  If you have credit cards, make sure you\'re paying off as much as you can every month The longer it takes for you to pay off your credit cards, the more interest the company will charge you That means it\'ll end up costing you more money to pay them off It\'s better to pay off your cards quickly rather than dragging it out  Before you decide to buy a home, weigh your decision very carefully You need to be realistic about your financial resources in both the short- and the long-term iPhone Insurance Carphone Warehouse   iPhone Insurance Carphone Warehouse   Can you afford the down payment and the mortgage? Will you be able to continue to meet the payment schedule in years to come? If you are not entirely sure of your resources, it\'s better to put off your home purchase until you are Many banks no longer offer free checking accounts, so it may be worth your while to shop around for one that still does You may be able to find a local bank or a credit union that offers a better deal than a big, national bank The fees can add up over the long run, so try to find the best deal available  Stock up on items you know you will need when they are on sale Furthermore, join a warehouse club to save on food and household items An annual fee will give you access to savings on food, paper products, electronics and even clothing A one-time fee can save a bundle within the coming year  If you want to save money on insurance, increase the deductible Most insurers get irritated with people who turn in low claims anyway, which means that they are more likely to charge you more after you submit something to them They may even decide that they don\'t want to have you as a client anymore  By tracking how your money is spent and carefully making the correct choices for your income, you can make sure that your account is always in the black Don\'t let loan sharks or credit card companies with high interest rates take advantage of you, or you will truly regret it!