warmspeaker
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부자 씨앗 심기 2탄!!

먼저 라이플 사이클은 위에서 보았듯이 인간의 생애를 단계로 구분하는 것이다. 즉, 출생부터 죽음까지 인생 전반을 가리킨다고 보면 될 것이다. 위에 이미지에서 보았듯이 예전과 가장 많이 변하고 우리가 주의 깊게 보아야 할 부분은 크게 3가지이다. 1. 빨라지는 퇴직연령 실제로 사람인 사이트에 의하면 44세 이하 퇴직률이 35.6%나 되는 것으로 나타났다. 또한 EU의 평균 퇴직연령 61.8세에 비해 우리나라는 53.0세로 나타났다. 통계에서 보듯이 실제로 생각하는 것보다 우리의 퇴직은 생각보다 가까이 있다. 2. 늦어지는 평균 초혼 연령 통계청에 의하면 2002년 남자는 29.8세 여자는 27.0세였던 반면 2014년에는 남자는 32.3세 여자는 29.6세인 것으로 나타났다. 이유로는 남자는 경제적 요인, 결혼하기 이른 나이여서, '마땅한 사람을 못 만나서'로 나타났고, 여자는 결혼하기 이른 나이여서, 경제적 요인, '마땅한 사람을 못 만나서' 순으로 나타났다. 필자의 개인적인 의견으로는 경제적 요인이나 이른 나이가 어쩌면 같은 뜻으로 해석될 수도 있다고 본다. 우리는 왜이리 힘들까....ㅜㅜ 3. 길어지는 평균수명 저번 1탄에서도 나왔듯이 우리 사회의 가장 큰 문제로 고령화가 꼽힌다. 1970년 여자 65.6세 남자 58.7세에 비해 2014년에는 여자 84.6세 남자는 77.9세로 나타났다. 거기에 평균연령은 3년에 1년 꼴로 늘어난다고들 하는데... 정말 우리 초년생들이 은퇴를 하고 살아갈 세상은 100세 시대가 도래할 것이다. 장수는 축복일지도 모르지만 준비가 되지 않은 장수는 정말...ㅜㅜ 간략하게 얘기하자면 빨라지는 퇴직연령으로 우리가 돈을 벌 수 있는 시기가 짧아지고, 늦어지는 평균 초혼 연령으로 우리가 받아왔던 자식 뒷바라지(??)를 우리는 더 늙어서까지 해야 되고, 길어지는 평균수명으로 인하여 노후나 은퇴 후의 목적자금이 더 커질 것이다. 이것 저것 쓰고나니...우울해졌다.. 다들 퐈이팅!!
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Tips for Organizing Your Financial Records
If you're like most people, the organization of your financial records probably isn't at the top of your list of priorities. But if you want to stay on top of your finances, it's important to keep good records. Here are some tips for getting your financial records in order. The first step is to collect all of your financial records. This includes everything from bank statements and tax returns to pay stubs and receipts. Once you have everything gathered together, you can start organizing it. There are a few different ways to organize your financial records. One option is to use a filing system, such as a folder or binder for each type of document. Another option is to go paperless and store your records electronically. Whichever method you choose, be sure to label everything clearly so you can find what you need when you need it. Once your records are organized, you'll need to decide what to do with them. Some documents, such as tax returns, should be kept indefinitely. 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Finally, good financial records can give you a clear picture of your overall financial health, which can be helpful in making long-term financial plans. How Good Financial Records Can Help You. Good financial records can help you in a number of ways. First, they can help you track your spending and saving so that you can stay on budget. Second, they can help you prepare your taxes more easily and accurately by providing all of the necessary information in one place. Third, if you ever need to apply for a loan or other type of credit, having good financial records can improve your chances of being approved. Finally, good financial records provide a clear picture of your overall financial health, which is helpful when making long-term plans. How to Organize Your Financial Records. In order to get your financial records in order, you will first need to gather all of the relevant documents. This may include bank statements, tax returns, investment and retirement account statements, pay stubs, bills, receipts, and insurance documents. You may also want to include personal records such as birth certificates, marriage licenses, and wills. If you have physical copies of these documents, you will need to collect them from wherever they are stored and bring them to a central location. If you keep your records electronically, you will need to create a folder on your computer or another storage device where you can keep all of the files in one place. Organizing Your Financial Records. Once you have collected all of your financial records, it is time to start organizing them. One way to do this is to create a filing system using folders or binders with labels. Another way is to create digital folders on your computer or another storage device. Whichever method you choose, the important thing is to be consistent so that it is easy to find what you are looking for when you need it. One way to organize your records is by type of document. For example, you could have a folder for bank statements, another for tax returns, and another for investment account statements. Or you could organize by year: one folder for 2020 records, one for 2019 records, and so on. Once you have decided on a system that works for you, be sure to label everything clearly so that it is easy to find what you are looking for when you need it. Storing Your Financial Records. After you have organized your financial records into neat and tidy folders or files, it is time to store them safely so that they will not get lost or damaged over time. If you have physical copies of your records (such as paper bank statements), be sure to store them in a fire-proof safe or another secure location where they will not be subject to water damage or other hazards. If you keep your records electronically (on your computer or another storage device), be sure to back them up regularly so that they will not be lost if something happens to your primary copy (such as a hard drive failure). Read more: Most Importance of Courier Services for your Online Businesses What to Do With Your Financial Records. You should keep records that document your income, expenses, assets, liabilities, and investments. These records can help you prepare your tax returns, monitor your financial progress, and make sound financial decisions. You can discard old records that are no longer needed. For example, you can shred or recycle bank statements, credit card statements, and utility bills after you have verified the information they contain and filed them away. How Long to Keep Your Financial Records. You should keep most of your financial records indefinitely. This includes records such as birth certificates, property deeds, car titles, stock certificates, and tax returns. Some records, such as receipts for small purchases, can be discarded after a few years. You may want to consult with a certified public accountant or tax attorney to determine how long to keep specific types of records. Tips for Organizing Your Financial Records. A filing system is a great way to keep your financial records organized. You can use a paper filing system or an electronic filing system. Paper Filing System: To set up a paper filing system, you will need to purchase some supplies, including file folders, labels, and a storage box. You will also need to decide on a filing system. There are many different ways to organize your files, so choose a system that will work best for you. Here are some tips for setting up a paper filing system: • Label each file folder with the name of the document type (e.g., “Bills” or “Receipts”). • Sort documents by type and date. For example, you could have a file for medical bills from January-March 2016 and another file for April-June 2016. • Create subcategories as needed. For example, you might want to create separate files for auto insurance bills and home insurance bills. • Keep track of where you put each document so you can find it easily when you need it. Electronic Filing System: An electronic filing system can be set up using software such as Microsoft Word or Excel. You can also use an online service such as Google Drive or Dropbox. Here are some tips for setting up an electronic filing system: • Create folders for each type of document (e.g., “Bills” or “Receipts”). • Sort documents by type and date. For example, you could have a folder for medical bills from January-March 2016 and another folder for April-June 2016. • Create subfolders as needed. For example, you might want to create separate folders for auto insurance bills and home insurance bills. • Keep track of where you put each document so you can find it easily when you need it. Going Paperless. One way to reduce the clutter in your home and make it easier to keep track of your financial records is to go paperless. You can do this by scanning documents and saving them electronically. Here are some tips for going paperless: • Invest in a good scanner. This will make it easier to scan documents quickly and create high-quality images. • Create folders for each type of document (e.g., “Bills” or “Receipts”). • Sort documents by type and date. For example, you could have a folder for medical bills from January-March 2016 and another folder for April-June 2016. • Create subfolders as needed. For example, you might want to create separate folders for auto insurance bills and home insurance bills. • Keep track of where you put each document so you can find it easily when you need it. Organizing Your Records Electronically. If you want to be able to access your financial records from anywhere, you can set up an electronic filing system. You can use software such as Microsoft Word or Excel, or you can use an online service such as Google Drive or Dropbox. Here are some tips for setting up an electronic filing system: • Create folders for each type of document (e.g., “Bills” or “Receipts”). • Sort documents by type and date. For example, you could have a folder for medical bills from January-March 2016 and another folder for April-June 2016. • Create subfolders as needed. For example, you might want to create separate folders for auto insurance bills and home insurance bills. • Keep track of where you put each document so you can find it easily when you need it. Conclusion Organizing your financial records is important for many reasons. Good financial records can help you keep track of your income and expenses, prepare your taxes, and make sound financial decisions. There are several ways to organize your financial records, including using a filing system, going paperless, or organizing your records electronically. Whichever method you choose, be sure to discard old records that you no longer need and keep track of how long you need to keep different types of records.