Water Finance Management

For most women, regardless of their culture, finance management is typically not their strongest suit. According to Long Island University – Women are less confident in their investing abilities than men. Only 55.7% of women feel confident about their investing abilities versus 64.4% of men. Yes, even those with education behind them, money and investment is something women are not trained to handle. Traditionally it’s been considered a man’s domain perhaps because of defined gender roles where men were considered the providers in the family and hence managers of money/investing; while women the ones to take care of the home. Until a few years ago, it wasn’t uncommon in many households that the wife did not really know where the husband was really investing. But life and society is fast changing. Family structures are changing, divorce rates are rising, number of single women and single mothers is increasing and with the onslaught of last 2 recessions and such, more and more women are actually being put in position to bring home the bacon instead and be in-charge of the finances. Also, we live longer, the security that used to come in jobs is fast declining and things are getting more expensive; the bottom line is, not only do we need more money but we need it to last longer, way longer than before. So if you’re a beginner and find yourself a little lost as to where to begin, no need to panic or get overwhelmed. Consider relying on your friend, a friend that is within you, that truly knows your best and can also look past and beyond things that are not very obvious. And it’s called Intuition. That’s right ladies, Intuition is a sense that is present in all of us and if practiced regularly can come in very handy in helping one navigate through the seemingly complex waters of finance and investing. It is the one thing that can actually provide you with the ‘right’ answer overlooking all the chatter that one may hear about what’s going on in the economy or what is a good place to park your money and such. So how can you make use of Intuition to make your wise personal money decisions? There is so much information out there that sometimes it’s easy to get overwhelmed. And as a beginner, that’s the one thing you do not need, as that will deter rather than encourage. So start simple, start small. Look at the different options that are available to you – Mutual funds, Bonds, Equity, Property and such. Obviously the amount of money, your age and your risk capability decides what the best place and strategy is for you. Feel free to ask people you trust if you find it hard to understand things on your own. Read magazines/newspapers just to keep yourself abreast of things. There’s lots of information available out there that is free of charge and valuable. As you start familiarizing yourself and start paying attention to your ‘sense’, allow it guide you in what direction to take – Whether you are considering what mutual fund to invest in or what stock to pick, rely on not just on your mental homework but also on your intuitive sense. Exercise: Let’s say you are contemplating whether to buy shares of Company A or B. You have done all of your necessary homework and both look like good places to invest in. Now sit down quietly and bring your attention to the question – Is Company A better or B for investment purposes? Watch what answer comes forth, note it down. After 10 minutes or so, ask again? If you have a couple of days on your side, you can ask the same question again. Each time if your sense guides you in the same direction, that is the answer to follow. Start small and as you become more practiced, you can start relying on it more and take your steps forward more confidently. Investing can be tricky and does require one to do his or her homework but using your ‘sense’ makes things that much more easy!

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Many people worry and stress about money problems on a monthly basis, with fears that they cannot keep on top of all their outgoing payments whilst they watch their levels of interest build up at a staggering rate. Money problems needn’t be such a stressful thing if only people are able to manage their finances a little better, and often by consolidating home loans they can make things much more manageable in the long run.

If perhaps you have various home loan payments to make, for example the gas, electricity and water bills that are all mounting up and being paid separately, you could instead consolidate these home loans into 1 single monthly payment instead of having so many of these debts racking up their own individual piles of interest. It is far better to have only 1 monthly debt to pay then to have about 5 which are all racking up separately. Not only will this method of finance management save you money in the long run but it will also save you a lot of time and stress. You can set up a direct payment to pay off just 1 bill instead of having bill after bill arriving through your postbox every month, stressing you out all the time and being a constant source of worry.

Another benefit of consolidating home loans into one monthly payment is that it will look far better on your own personal credit rating. Many companies look at credit ratings before deciding to give out money, charging those who have a bad credit rating with a high rate of interest and lending out less money compared to someone who has a good credit rating who they are likely to not only lend more money to as they are obviously more trustworthy and reliable but also they are likely to give you a better rate of interest too. Credit card companies for example aren’t going to want to lend out money to a person that is a high risk to them – as they fear that they will never actually get their money back. By having many debts out at once, and failing to pay them on time could damage your credit rating and you could eventually be blacklisted – meaning that when it comes to asking for a mortgage you could be refused, or when asking to apply for a credit card you might get turned down.

Many finance companies are having to be so more careful about who they lend out their money too, and after the recent home loan and mortgage problems in America which lead to the credit crunch the companies are being monitored far more closely about who they lend their money to. As they have far higher regulations to follow they have to only lend out money to people that they believe will be responsible enough with it and will pay it back on time, so if you have several outgoing payments on your credit score and aren’t able to pay them back fully on time then you could find yourself in a tricky position when you require your own loan or some form of credit.