Ricardo Tribaldos Hernández

For Your Personal Finance:

1. Keep and Save an Emergency Fund. Emergency fund is the most basic requirement that you must do in order to proof your finance against any financial disasters. It is recommended that you save at least 6 months of your living expenses as your emergency fund. However, if you are tight in budget, you should at least reserve 1-3 months of emergency fund for recession. The more you save, the more security you have during recession period.

2. Spend Wisely. Start a budget and spend your money wisely. Try to live below your income and not your credit. If recession really happens, you will need to tighten up your budget so that you have more money each month to pass the hard time.

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Going green doesn’t have to be hard. In fact– why shouldn’t going green be friendly on your bank account in addition to the planet? The planet needs our help, but at the same time, you can put some green back in your wallet as well. Below are a few things you can do to save money and go green. If you think of any more, use the submit at the bottom of the page.

Double.side.your.documents

American businesses throw away 21 million tons of paper every year, equal to 175 pounds per office worker. For a quick and easy way to halve this, set your printer’s default option to print double-sided (duplex printing). And when you’re finished with your documents, don’t forget to take them to the recycling bin. You can also save even more money by using PDFs, scanners, email, digital signatures,etc. [Where to get it]

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Every day, you hear a lot of news from media around the nation about recession. You have found that your colleagues, neighbors, friends and people around you are worried about recession.

Recession is really a word that can make people worry. However, if you are doing well in your personal finance, you won’t worry that much about this. In fact, recession also has its own benefits.

Let me show you the benefits:

1. Recession makes people frugal. One of the reasons people worry about recession is because their personal finance is not strong enough to fight with recession. The good news is worry can make people change. Many people will learn the lesson and be more frugal.

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Newspaper Article

Source: The independent (Oct. 14, 2007)

Lo que sigue es de autor anónimo, pero lo cita Philip Humbert en su “Bonus TIP’s Letter!” de marzo de 1999, con el título de “Una Noche Tormentosa”.

Una noche tormentosa hace ya muchos años, un hombre mayor y su esposa entraron a la antecámara de un pequeño hotel en Filadelfia. Intentando conseguir resguardo de la copiosa lluvia la pareja se aproxima al mostrador y pregunta:

– ¿Puede darnos un cuarto?

El empleado, un hombre atento con una cálida sonrisa les dijo:

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