The New Year is fast approaching and many people are already devising their New Year resolutions. Perhaps, this year you are planning on improving your financial health. Maybe you are deeply in debt or maybe you just want to plan for the future. Whatever the reason, there are several different ways that a person can go about improving their finical health. One important thing that you need to know is, a bad financial report can affect you for the rest of your life and prevent you from achieving some your life’s major goals.


Learning To Stretch And Budget Your Expenses

Have you ever heard a fitness expert say that stretching before a workout is just as important as the workout itself? Well, the same thing applies to your financial budget. If you learn to take your finances and stretch it as many places as possible, you will be able to immensely build your wealth. What you need to do is, get a blank piece of paper and write on side your monthly income. On the other side of the paper list all of your expense for that month. Now, you will subtract your expenses from your income. If you are coming up with a negative number, then it means that you are spending more money than you are making, which is a major problem.

Set down and take a hard look at your expenses and make sure that you are really spending your money on things that you truly need. Do you really need a new outfit every month or is this something that you want?

Develop A Debt Repayment Plan

If you are working out every day, but have poor eating habits there is little chance that you are going to improve your physical health. You can apply this same concept to your debt. When you are budgeting your expenses if you notice that most of your income is going to debt repayment, then you need to consider the way you are managing your debt. It is imperative that you only use your credit cards, when it’s absolutely necessary and come up with a debt repayment plan that will help eliminate your debt.

You can start developing a debt repayment plan by making a list of all of your debts from smallest to largest. You want to allocate all of your free resources to paying off your smallest debts. Most people would suggest paying off the larger debts first, but once you get the smaller ones paid off it will give you the incentive to keep going. Once you have come up with a great repayment plan, you want to make sure you are leaving those credit cards at home.

Take Advantage Of Payday Loans

Living in Finland means you probably have access to several different payday loan companies. These companies are a great way to pay debt when you get behind, but the most important thing you need to know is not to take these companies for granted. Anytime you take out any ePikavippi loan, you need to pay it back on time or it is going to greatly hurt your financial health. A payday loan can make you feel more independent and prevent you from borrowing money from friends and family, but they can damage you if you don’t take them seriously.

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  1. I hope your keeping well through the winter months, cannot say we
    are here, as the DWP stopped my sons benefits in October and our
    GP did not want to help as he asked us to find another GP and my
    records have gone missing so said GP whilst the DWP asked for same and for
    up to date statement of disability, although my son is now nearly 53.
    Our MP is not helping too as it’s his government that instigated these measures.
    So Christmas is tough money wise for my son.


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  2. John says:

    What an utterly irresponsible article.
    Advocating pay-day loans is no solution.
    Budgeting is the only way or people to control their finances.
    That – and living within whatever streams of income a person has.
    Please do not run irresponsible articles like this any more!

    1. Martin Rathfelder says:

      It’s a paid advert

      1. John says:

        So why is it featured on a SOCIALIST Health Association web site?
        Also, why does it not state it is a paid advert at the top of the article?
        For printed media, that would be illegal – at least.

  3. Martin Rathfelder says:

    We need to raise money, that is why we carry adverts. Contributions gratefully accepted. If you look at the list of blogposts the adverts – and all the other categories – are marked. This is a feature of the WordPress technology, not something we have control over. I don’t think it is illegal not to mark adverts as such, even in print.

    1. Jon S says:

      Though the advertisements are marked as such, it’s more than a little bit misleading. As a subscriber, these advertisement articles were being sent out to my e-mail inbox. It wasn’t until I found this comment thread that I understood why the SHA were reviewing bodybuilding supplements.

      The messages of these advertisers run entirely counter to the principles of the organisation. Having them presented as articles, regardless of whether it’s down to the WordPress setup, really undermines this website as a source of information.

      I will have to unsubscribe. I would be willing to pay a regular contribution if it meant we could eliminate these ads. Failing that, other blogging websites may be able to offer less intrusive ways of monetising the website.

      1. John says:

        I too share these sentiments and am considering unsubscribing.
        There is enough capitalist crap out there without this site adding to it.

        1. Martin Rathfelder says:

          Advertising brought in about £3000 this year, which we need to keep the organisation going. If you would like to see less advertising please become a member. £25 a year or £10 for people on a low income,

        2. Martin Rathfelder says:

          Most of the advertisers don’t expect you to read their articles. This one is about a loan company in Finland. They are buying a link from a respectable site.

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