{"id":10851,"date":"2021-07-20T08:42:10","date_gmt":"2021-07-20T12:42:10","guid":{"rendered":"http:\/\/staging-prblog.paladinregistry.com\/blog\/?p=10851"},"modified":"2021-12-01T06:53:28","modified_gmt":"2021-12-01T11:53:28","slug":"5-key-tips-to-get-your-personal-finance-organized","status":"publish","type":"post","link":"https:\/\/www.paladinregistry.com\/blog\/personal-finance\/5-key-tips-to-get-your-personal-finance-organized\/","title":{"rendered":"5 Key Tips to Get Your Personal Finance Organized"},"content":{"rendered":"\n<p>A\nfear of opening up about finances and a lack of financial literacy has made\nkeeping a check on one\u2019s financial health and habits an intimidating task for\nsome people. Without a working knowledge of how to go about planning their\npersonal finances, people end up making financial decisions that may not be in\ntheir best interest, and are rarely able to break the habit of poor choices\nwith money. Ignoring finances, practicing poor spending habits, and a lack of\nproper financial planning can lead to dreaded financial conditions. Given the\nlasting effects our financial decisions and habits have on our lives, it is\nimportant to have a clearer picture of where to begin and what aspects to focus\non when organizing your personal finance. <\/p>\n\n\n\n<p>In\nthis article, we will cover what personal finance encompasses, as well as key\ntips on how to get your personal finances organized. <\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_68_1 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69dbea24ec590\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69dbea24ec590\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.paladinregistry.com\/blog\/personal-finance\/5-key-tips-to-get-your-personal-finance-organized\/#What_is_Personal_Finance\" title=\"What is Personal Finance?\">What is Personal Finance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.paladinregistry.com\/blog\/personal-finance\/5-key-tips-to-get-your-personal-finance-organized\/#5_Tips_to_Help_you_Plan_your_Finances\" title=\"5 Tips to Help you Plan your Finances\">5 Tips to Help you Plan your Finances<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.paladinregistry.com\/blog\/personal-finance\/5-key-tips-to-get-your-personal-finance-organized\/#1_Practice_budgeting_and_timely_reviews_of_your_finances\" title=\"1. Practice budgeting and timely reviews of your finances\">1. Practice budgeting and timely reviews of your finances<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.paladinregistry.com\/blog\/personal-finance\/5-key-tips-to-get-your-personal-finance-organized\/#2_Build_and_maintain_an_emergency_fund\" title=\"2. Build and maintain an emergency fund\">2. Build and maintain an emergency fund<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.paladinregistry.com\/blog\/personal-finance\/5-key-tips-to-get-your-personal-finance-organized\/#3_Deal_with_debts_on_time\" title=\"3. Deal with debts on time\">3. Deal with debts on time<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.paladinregistry.com\/blog\/personal-finance\/5-key-tips-to-get-your-personal-finance-organized\/#4_Practice_mindful_living_by_being_aware_of_your_needs_and_wants\" title=\"4. Practice mindful living by being aware of your needs and wants\">4. Practice mindful living by being aware of your needs and wants<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.paladinregistry.com\/blog\/personal-finance\/5-key-tips-to-get-your-personal-finance-organized\/#Plan_and_save_for_retirement\" title=\"Plan and save for retirement\">Plan and save for retirement<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.paladinregistry.com\/blog\/personal-finance\/5-key-tips-to-get-your-personal-finance-organized\/#The_Bottom_line\" title=\"The Bottom line\">The Bottom line<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_Personal_Finance\"><\/span><strong>What is Personal Finance?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Personal finance consists of managing your money and meeting your financial goals &#8211; both short-term and long-term. This includes investments, day-to-day expenses, saving for your house, your child\u2019s college tuition, retirement, etc. Drafting a financial plan that suits your financial needs involves taking into consideration your income, lifestyle, and financial goals and desires. <\/p>\n\n\n\n<p>The\nsooner you embark on the journey of understanding your personal finance, the\nbetter it is, as this gives you more time to earn interest on your savings and\ngrow it into a large corpus. That said, it is never too late to start something\nbeneficial &#8211; and starting out your personal finance journey is no different. <br>\nThe security and freedom a good personal financial plan is capable of providing\nto you and your family cannot be measured in numbers alone. <\/p>\n\n\n\n<p>Personal\nfinancial planning is largely about prioritization. You should be able to look\nat your finances, assess your monetary inflow, discern your major expenses,\nfocus on savings, and try to stick to your goals.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_Tips_to_Help_you_Plan_your_Finances\"><\/span><strong>5 Tips to Help you Plan your Finances<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>In\nthis article, we have streamlined how to go about personal financial planning.\nLet us understand all the steps involved in the process: <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Practice_budgeting_and_timely_reviews_of_your_finances\"><\/span>1. <strong>Practice budgeting and timely reviews of your finances<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>While\ntracking our income is easy, we tend to avoid calculating our expenses and\nrarely factor in the piling credit card bills. Over the years, our money goes\ninto expenditures that could have been easily avoided. <\/p>\n\n\n\n<p>If you find it difficult to keep track of the income and expenditures yourself, try a personal budgeting app on your phone that keeps track of your spending habits. This way, you can track every dollar spent and get better control over your funds. In the long run, this can help you avoid wasteful spending. <\/p>\n\n\n\n<p>Here\nare four steps you can follow while creating a personal financial budget:<\/p>\n\n\n\n<p><strong>a. Calculate your net income: <\/strong>This should not be an estimate, but a calculation. Add all the money you get from various sources such as your salary, rent, and interest that your investments earn. Don\u2019t forget to subtract your deductions for Social Security, taxes, and 401(k). The final money remaining in your hands is called net income, and this is the primary number you should use when creating your budget.<\/p>\n\n\n\n<p><strong>b. Track your spending:<\/strong> Keeping track of where your money is going is very helpful. You can identify your major expenses and identify some areas for cutbacks. Separate your expenses into fixed and variable expenditures.      Rent, mortgages, and monthly bills are fixed expenses, while expenses that change every month are variable. This includes groceries, entertainment, and gas. It is also recommended that you go through your credit card statements to categorize your expenses.<\/p>\n\n\n\n<p><strong>c. Set your financial goals:<\/strong><em> <\/em>Ensure that you have clarity about what you want to achieve with your budgeting activity. Make a distinction between your short-term and long-term goals. Also, remember that nothing is set in stone, so don\u2019t be too hard on yourself. <\/p>\n\n\n\n<p><a href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/how-to-set-short-medium-and-long-term-financial-goals\/\"><em>Want<\/em><\/a><a href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/how-to-set-short-medium-and-long-term-financial-goals\/\"><em> to set your financial goals and distinguish between\nshort-term, medium-term, and long-term goals?<\/em><\/a><a href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/how-to-set-short-medium-and-long-term-financial-goals\/\"><em> Read our article <\/em><\/a><a href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/how-to-set-short-medium-and-long-term-financial-goals\/\"><strong><em>How to Set Short,\nMedium, and Long-Term Financial Goals <\/em><\/strong><\/a><a href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/how-to-set-short-medium-and-long-term-financial-goals\/\"><em>on the Paladin Registry blog.<\/em><\/a><em><\/em><\/p>\n\n\n\n<p><strong>d. Conduct periodic reviews of your budget: <\/strong>Periodic reviews of your budget is a necessity, as it helps you stay on track and tweak your financial plans if the need arises. Changes in your income or spending, such as a raise or the purchase of a new house<strong> <\/strong>are also taken into consideration in the process. <\/p>\n\n\n\n<p>A simple and effective budgeting strategy to keep in mind while managing your finances is the 50\/30\/20 rule:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>50% of your take-home pay or\nnet income (after taxes) can account for your living essentials, such as rent,\nutilities, groceries, and transport.<\/li><li>30% can go to discretionary\nexpenses, such as dining out, vacation, and shopping for gadgets, clothes,\nelectronics, etc. <\/li><li>20% must be contributed\ntowards the future\u2014establishing emergency funds, paying debts, and investing\ntowards future goals, retirement inclusive.<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Build_and_maintain_an_emergency_fund\"><\/span>2. <strong>Build and maintain an emergency fund<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Life\nis uncertain, and things we don\u2019t plan for happen all the time &#8211; be it a health\nemergency or a flat tire. Hence, an emergency fund is a necessary part of a\ngood financial plan. Think of this as paying yourself before you pay somebody\nelse. You should be ready with at least 3 to 6 months of emergency funds. This\nmoney will help see you through the difficult times and function as a shock\nabsorber for unexpected expenses.&nbsp; The\nkey to saving up for an emergency fund is to keep adding to your fund at\nregular intervals. Ideally, you should treat this as a monthly fixed expense\nuntil you reach your desired goal. If you have no money stashed away for a\nrainy day at the moment, there is no better day than today to begin creating\nyour emergency fund. <\/p>\n\n\n\n<p>Money market funds and high-interest savings accounts are good options you could explore to begin saving for your emergency fund. It is recommended that your money is saved in a safe and liquid investment option so that it\u2019s easily accessible at the time of need. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Deal_with_debts_on_time\"><\/span>3. <strong>Deal with debts on time<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>As\nsimple as this tip sounds, limiting your debts is one of the most difficult\nactivities to follow. To save more, you have to spend within your means. A\nprimary step towards this is limiting your use of credit cards. Credit cards\nare a major debt trap as you are essentially spending money that you don\u2019t own\nyet. According to a study by Comet Financials published in Forbes, for most\nAmericans, the biggest source of debt is credit card debt, quickly followed by\nmortgage debt and student loans. That said, saying that you shouldn\u2019t own any\ncredit card or debt at all is unrealistic in today\u2019s world. Hence, practicing\nmindful spending becomes essential while dealing with debt. <\/p>\n\n\n\n<p>One\nof the best practices while using a credit card is to pay your full balance\nmonthly or to keep your credit utilization ratio at a minimum. It is also\nimportant to not mix too many cards and to pay your bills and EMIs on time. If\nyou are careless with the timely payment of bills or you skip paying your EMIs\n&#8211; your credit rating will be adversely affected.<\/p>\n\n\n\n<p>If\nyou\u2019re already under debt, it is advised that you do not accumulate more of it.\nTake a break and relook at your situation from a fresh perspective. Also, find\nout if your creditor can offer you a lower rate of interest. If you have unpaid\nstudent loans, consider ways to pay them off. If you\u2019re stuck with a plan with\na high interest rate, try paying off the principal amount first. Minimizing\nrepayments can help free up a major part of your income, which can be utilized\nelsewhere. Some private and federal loans are also eligible for a rate reduction\nif the borrower enrolls in autopay. <\/p>\n\n\n\n<p><em>Paladin Registry\u2019s free matching tool\ncan connect you with the right kind of financial advisor you are looking for to\nmeet your financial needs. Answer a few simple questions and get access to\nbackground verified financial fiduciaries. Interview them and also verify their\ncertifications before engaging.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_Practice_mindful_living_by_being_aware_of_your_needs_and_wants\"><\/span>4. <strong>Practice mindful living by being aware of your needs and wants<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Once\nyou\u2019ve documented your income and expenditure, you\u2019ll see there are certain\ncategories you may be able to cut back on. Maybe you could try cooking for\nyourself once in a while for a few months, or skip that store-bought coffee you\nmay be picking up on your way to work everyday? Try to adjust your expenses to\nget closer to your financial goals and let go of certain habits that do not\nbenefit you in the long run. <\/p>\n\n\n\n<p>It is vital to spend time understanding the differences between your needs and wants. Needs are things you have to have for survival. This includes food, shelter, healthcare, transportation, clothing. Wants are things you desire to buy but don\u2019t necessarily require. <\/p>\n\n\n\n<p><em>Warren Buffett famously said, \u201cIf you\nbuy things you don\u2019t need, soon you may have to sell things you do need.\u201d<\/em><\/p>\n\n\n\n<p>A\nuseful tip: Many people include savings as a need. This means that savings are\na fixed expense they book each month, setting aside the percentage of money to\nadd to their savings jar.<\/p>\n\n\n\n<p>That\nsaid, we acknowledge it is challenging to label needs and wants &#8211; they differ\nfor every individual. Sometimes people mislabel their wants as needs, and once\nthis becomes a habit, the spending can spiral out of control quickly. Try not\nto justify your spending as a need. The purchase of a home would serve as a\ngood example. A home is a necessity and a potentially good investment. But one\ndoes not need a 5 bedroom mansion for a family of 2. While real estate is\nexpensive as such, you may do well to invest in a 3 or 4 room house if you are\nexpecting the family to expand, and put the remainder of your money into an\ninvestment towards your retirement, for example. <\/p>\n\n\n\n<p>Most people end up spending more money if they have more of it. People advance in their careers, and with each pay raise, there often comes a rise in expenditure. This is called lifestyle inflation. While you might comfortably pay your bills, lifestyle inflation can prove to be quite damaging in the long run. Sabotaging your finances to keep up with the Joneses depletes your wealth. <\/p>\n\n\n\n<p>Hence, it is important to find the right balance in your spending habits based on your unique financial situation. Your needs should be the priority in your budget, followed by your wants.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Plan_and_save_for_retirement\"><\/span><strong>Plan and save for retirement<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Financial\nexperts say that we will need 80% of our current salary after retirement.\nHence, the sooner you start saving, the better it is for your money to grow.\nThis way, you could reap the full benefits of the compounding effect, i.e., the\nprocess by which smaller sums of money grow over the years into a large corpus.<\/p>\n\n\n\n<p>Saving\nfor retirement helps you take care of your retirement and reduces your current\ntaxes. If you have signed up for a tax-advantaged plan, such as an individual\nretirement account (IRA), a 401(k), or a 403(b, you can certainly take a tax\nbenefit. If your employer offers a 401(k) or 403(b) plan, start contributing\ntowards it right away, especially if your employer matches your contribution.\nIf you\u2019re not doing so, you\u2019re giving up free money. Take some time and learn\nthe difference between a Roth 401(k) and a traditional 401(k) if your company\noffers both. Also, be mindful of RMDs &#8211; Required Minimum Distributions from\nyour retirement accounts. <\/p>\n\n\n\n<p>Investing\nis only one small part of planning for retirement. Other strategies include\nwaiting for the maximum time before opting to receive Social Security benefits\nand converting a term life insurance policy to a permanent life one.<\/p>\n\n\n\n<p>Don\u2019t\nwait until it\u2019s too late. You could end up losing several hundreds of thousand\ntax dollars and without a substantial retirement fund to back you up alongside\nthe cost inflation, things could get tough when you no longer have a salary.\nBuild your passive income and establish revenue sources while you are young and\nin the working ages.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_Bottom_line\"><\/span><strong>The Bottom line<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Planning\nand sorting your finances isn\u2019t an overnight activity. It requires sustained\ndedication and effort. But, once you\u2019ve decided to actively manage your\nfinances, you should look forward and work towards building your habits to\naccomplish your financial goals.<\/p>\n\n\n\n<p>Always\nlook at the bigger picture &#8211; it is more important that you cultivate a healthy\nfinancial habit rather than adhere to adages. Personal financial planning is an\nexcellent tool to achieve your goals, but don\u2019t be too hard on yourself. Weigh\nin on the circumstances. Your choices, be it saving, investing, or spending,\nshould be well thought through. The key is to strike a balance, not let your\nspending control your financial situation, and to develop a healthy financial\ndecision-making ability. <\/p>\n\n\n\n<p><em>If you are looking for an experienced fiduciary financial advisor who can help you with financial planning, retirement planning, tax planning, wealth creation or preservation, estate planning, etc., use <\/em><a href=\"https:\/\/www.paladinregistry.com\/landing\/find-financial-advisors?cta=match\"><em>Paladin Registry&#8217;s<\/em><\/a><em> free matching tool. Find and compare vetted CFPs that are best suited to your financial needs and goals, and also use our system to verify their certifications.<\/em><\/p>\n\n\n\n<p> <em>To learn more about the author William Hayslett view his <\/em><a href=\"https:\/\/www.paladinregistry.com\/blog\/author\/william-hayslett\/\"><em>short bio.<\/em><\/a>   <\/p>\n","protected":false},"excerpt":{"rendered":"<p>A fear of opening up about finances and a lack of financial literacy has made keeping a check on one\u2019s financial health and habits an intimidating task for some people. Without a working knowledge of how to go about planning their personal finances, people end up making financial decisions that may not be in their best interest, and are rarely able to break the habit of poor choices with money.<\/p>\n","protected":false},"author":122,"featured_media":10854,"comment_status":"open","ping_status":"closed","sticky":true,"template":"","format":"standard","meta":{"footnotes":""},"categories":[765],"tags":[],"class_list":["post-10851","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-finance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>5 Key Tips to Get Your Personal Finance Organized<\/title>\n<meta name=\"description\" content=\"Planning and sorting your finances isn\u2019t an overnight activity. 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