Action Plan to Financial Freedom (Part-1) | Financial

We often dream about financial freedom, we want to and more often talk about becoming financially free. But how many of us actually do something different to achieve this dream? Without a concrete action plan, and clear define road map, no matter how ambitious is the dream, chances of becoming financially free will almost equal to none. Without a clearly define road map to follow, one will soon forget the dream of freedom and go back to live their normal daily life. Action plan can be constant reminder serves to remind a person of his objectives, goal and estimated deadline. Besides, in journey to become financially free, you will want to review your progress against the action plan to see how much progress you have made and how far away you are from your goal.In order to become financial free we need to know what is the definition of financial freedom. Financial freedom being the ultimate goal, of course, before achieving that, we need to know the two pillars supporting the freedom; these are financial stability and financial security. The two pillars are the basic fundamental of being financially free; it is like the foundation of a skyscraper that is built on a strong concrete foundation, in case of financial freedom, it is built on financial stability and security. In short, in order to achieve financial freedom, we must first achieve financial stability and then financial security.Definition of Financial Stability Financial stability is achieved when one person is able to live his life without income for 6 months or more. Wealth is measured by time instead of amount of money you have. Take the example of a fashion designer whose monthly income of 10,000 with monthly expense of 8,000 and a school teacher who only earns 2,000 with monthly expense of 500. Who do you think live a more stable financial? The answer is the school teacher. If both person lose their job, the fashion designer who lives a high maintenance life style would not live through a month to go bankrupt, but for the school teacher, with a saving of 1500 per month in minimum, she can easily live for another 3 months without active income, this provide her ample of time to look for new source of income. In the first step in our road path to become financially free, we need to make sure we are financial stable before we can talk about financial freedom.Action Plan to Financial Stability: Now think. If you have less than 6 months to go into bankruptcy without a job, you need to start doing something. Below are some typical scenarios:
If you are living on a mountain of credit card debt, and you can’t seem to reduce the owing balance each and every month, you have to do something different. From you credit card bill, list out items that you don’t need to spend. Without this desire items, it is easier to pay off the credit card.
When you can’t seems to save even though you are not on any retail/credit card debt. This happens when you pay yourself last. In order to save, you need to pay yourself first. Every month when you get your paycheck, put aside a percentage into saving first and spend the difference. An average person will do the opposite that’s why they can never save, and the worse is they don’t even know where the money goes.
In the action plan, one needs to state how much money to allocate in each month to clear off debts with a deadline. Only after all accumulated debts are cleared off, one can start saving for financial stability. Subsequent action plan needs to find out total expense of one self. Since financial stability is defined to be ones ability to live through 6 months without any income before going into bankruptcy, thus the amount of money to achieve financial stability will be total expense times 6 (months), let us call it Financial Stability Amount Requirement FSAR. Next, state how much money you committed to save every month, and let’s call it monthly saving commitment MSC. With all these figures: FSAR and MSC, one can easily find out how long he/she needs to achieve financial stability. Simply divide FSAR by MSC. The result of calculation is the duration (in month) required to achieve financial stability, one will know exactly the date he/she obliges to achieve financial stability. Now with the action plan in place, a committed and disciplined person will only have to follow it and ultimately achieve it.

How to Escape Being a Victim of Fraud Car Transport Companies | transportation

A lot of car transport companies offer to transport your car to different city or town on contracted terms and conditions at quite good prices. The auto transport companies obviously entail a big deal of accountability and they also need to act in accordance with the prescribed rules & regulations of the related state government.Some companies may however flout the laws for monetary profits which in turn produces a lot of nuisance for the customers. Therefore you must always guarantee, before you prepare your car for transport, that your car transporter is properly registered with the concerned Transport Department of the city. Also make it a point to see if they have legitimate and sufficient insurance coverage.You can make a search online to find a plethora of trustworthy and reputed car transport companies who offer to move your auto to safety and steadily. You should also log on to the Transport Department’s website to find about the registered companies.There may be some companies who may not disclose all information so you should be wary of them. As such companies involved in business of moving autos are bound to noticeably lay out all the terms and conditions.
You should invest considerable amount of time in research to find a good transporter. Contact as many companies you can and try to obtain all relevant information. Compare the data thus gathered and thus zero in on the best auto transport company.Remember to actually scrutinize your vehicle before you prepare your car for transport. Note down its present condition so you can tally it for any dents or scratches when the car is delivered. Double check for any personal items in the dashboard or elsewhere in the car as the transporter is not liable in such a case.Check your car batteries and brake fluids prior to transportation. You can go in for closed transmission in case you want to protect your new vehicle very much from wear and tear due to heat, snow, wind, weather or dust. This is expensive but goes a long way in protecting your auto. Always make it a point to openly talk about terms, conditions, rules and regulations with your chosen car moving company to evade any disagreements afterward.


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