Want to make the most of your recent salary hike how to get rid of ants in the house vinegar Follow these smart money tips – The Financial Express

It’s that time of the year when performance appraisals usually how to get rid of ants in the house vinegar happen. If you got a salary hike during the latest appraisals, congratulations! You must be excited to think about how you are how to get rid of ants in the house vinegar going to spend this extra money. But before you plan for your next vacation or a how to get rid of ants in the house vinegar big-ticket purchase, pause…and take a step back. This surplus money can actually make a huge difference to how to get rid of ants in the house vinegar a number of important things. We have a few smart suggestions: 1. Get rid of piling debt

If you’ve been struggling with some form of debt, your increased salary is perhaps your best bet to get how to get rid of ants in the house vinegar rid of it. Debts, especially the ones that involve steep interest charges like credit how to get rid of ants in the house vinegar card debts and personal loan dues, snowball in no time. So, using your incremented salary to clear your debts as much how to get rid of ants in the house vinegar as possible is a really smart move.

Start with making a list of all that you owe, noting down the interest charged by each one. Then begin your counter-debt plans by clearing the debt that charges the highest how to get rid of ants in the house vinegar rate of interest. Doing so makes a lot of financial sense. However, you can also start with getting rid of the smallest how to get rid of ants in the house vinegar debt first, and then move on to the next bigger one, if that helps you regain self-confidence. Clearing your debt will not just give you peace of how to get rid of ants in the house vinegar mind and improve your financial health, but will also help to better your credit score. 2. Start setting up an emergency fund

Emergencies arrive unannounced. And our core saving is often the first casualty while how to get rid of ants in the house vinegar taking on unexpected events like a sudden job loss or how to get rid of ants in the house vinegar a family emergency. Precisely why an emergency fund is a great way to how to get rid of ants in the house vinegar safeguard your savings and investments. So, use your incremented salary to build one if you haven’t done so yet. Ideally, an emergency fund should have at least 3-6 months’ worth your expenses parked in a savings account for quick how to get rid of ants in the house vinegar accessibility. You can also set up a fixed deposit with the how to get rid of ants in the house vinegar same amount and let it grow over time, and break it in the face of an emergency after how to get rid of ants in the house vinegar losing just 1% of the interest value. 3. Get adequate health and term insurance cover

This is where insurance comes in. It’s the safety net that can break your fall. If you haven’t already signed up for a comprehensive health insurance plan how to get rid of ants in the house vinegar or a term insurance policy, you’ll be well-advised to use your incremented salary to get them with how to get rid of ants in the house vinegar adequate coverage. This will be a great way to secure your financial how to get rid of ants in the house vinegar future and that of your loved ones. Plus, insurance plans help to reduce your income tax burden too. A perfect win-win situation, right? 4. Upgrade your skills

You already have an education. You have a job. But don’t stop at that. If you want to grow in your career, you need to upskill yourself. Use the extra money to enrol into a professional course how to get rid of ants in the house vinegar or a useful certification programme that will help you enhance how to get rid of ants in the house vinegar your skills or learn new ones. This can help set you apart from the rest of how to get rid of ants in the house vinegar your peers and lead to better-paying promotions or other lucrative job opportunities. An additional degree, an extra diploma, or a certification can help you climb the corporate ladder how to get rid of ants in the house vinegar faster. That’s what you call investing in yourself, something that will surely reap rich dividends. 5. Build your investment capital

Investment is crucial to growing your wealth. So, channel your increased salary towards building your investment capital. But before you start your investment journey, make sure your financial goals dictate your investment choices, and you’re completely aware of the expected returns, risks involved and the tax component attached to each investment how to get rid of ants in the house vinegar instrument. As such, leave no stone unturned when it comes to researching your how to get rid of ants in the house vinegar investment options.

Some of the common investment tools that you can consider how to get rid of ants in the house vinegar include fixed deposits, recurring deposits, public provident fund (PPF), systematic investment plans (SIP) for investment in mutual funds (or in an ELSS fund for tax-saving under section 80C), national pension scheme, so on and so forth.

That being said, it’ll be worthwhile to reiterate that you should set precise how to get rid of ants in the house vinegar financial goals (like building your home’s down payment fund in the next 3 years) and invest in such a way that you can meet how to get rid of ants in the house vinegar them within the set time-frame. Directionless investing often adds to the confusion. Also, it’s better if you keep investing throughout the year than how to get rid of ants in the house vinegar making last-minute mistakes. 6. Go ahead, have some fun!

These smart steps will go a long way in securing how to get rid of ants in the house vinegar your financial base and is much better than losing it how to get rid of ants in the house vinegar all on frivolous things. So, make the most of your increased salary, as there’s actually no guarantee you’ll get a good hike every year. They say “make hay while the sun shines” for a reason.

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