Although most of us are more affluent than previous generations, managing our money effectively seems more problematic than ever. So how can you use a 'think positive' attitude to get your finances in better shape? But although most of us are more affluent than previous generations, managing our money effectively seems more problematic than ever. So how can you use a 'think positive' attitude to get your finances in better shape? To start you need to be doing three main steps: 1. Decide on your key financial goals and then break them down into long term and short term goals 2. Assess your current financial situation and yes this means an honest appraisal of the situation - it's only yourself you'd be lying to! 3. Keep a money diary for a month and note down all expenditure (cash, cheques, direct debits, standing orders, and also note how much expense is wasted; e.g. food that you buy and then throw out; lights that you leave on in empty rooms, etc.) At the end of the month you may be surprised by some of your spending patterns, but don't worry, Think positive and remember that knowledge is power in terms of achieving any goal. Now check your financial goals. Can they still be achieved considering the reality that you know now? Adjust them if necessary. Considering what they are, you may have to look for the advise of an expert. Banks, independent financial advisors, and brokers are all available to help you but remember that many are incentivised to "sell" specific products so you'll need to decide which advice is in your interest and which is in theirs. Raising cash in hurry 1. eBay and car

Although most of us are more affluent than previous generations, managing our money effectively seems more problematic than ever. So how can you use a 'think positive' attitude to get your finances in better shape?
But although most of us are more affluent than previous generations, managing our money effectively seems more problematic than ever. So how can you use a 'think positive' attitude to get your finances in better shape?
To start you need to be doing three main steps:
1. Decide on your key financial goals and then break them down into long term and short term goals
2. Assess your current financial situation and yes this means an honest appraisal of the situation - it's only yourself you'd be lying to!
3. Keep a money diary for a month and note down all expenditure (cash, cheques, direct debits, standing orders, and also note how much expense is wasted; e.g. food that you buy and then throw out; lights that you leave on in empty rooms, etc.)
At the end of the month you may be surprised by some of your spending patterns, but don't worry, Think positive and remember that knowledge is power in terms of achieving any goal.
Now check your financial goals. Can they still be achieved considering the reality that you know now? Adjust them if necessary. Considering what they are, you may have to look for the advise of an expert. Banks, independent financial advisors, and brokers are all available to help you but remember that many are incentivised to "sell" specific products so you'll need to decide which advice is in your interest and which is in theirs.
Raising cash in hurry
1. eBay and car