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  • 8 Money Mistakes People Commonly Make and How to Avoid Them | Complete Controller

    8 Money Mistakes People Commonly Make and How to Avoid Them

    Money Mistakes - Complete Controller

    Even financially responsible adults are making money mistakes they shouldn’t be making. Whether you have a healthy income or are living paycheck to paycheck, you should be practicing good money management. To do this, you must recognize the mistakes you are making and stop making them.

    Before you correct your money mistakes, you mustn’t beat yourself up and focus on avoiding them in the future. Here are eight money mistakes people commonly make and how to avoid them. Check out America's Best Bookkeepers

    No Savings

    Every financial advisor will suggest you not only have a savings account but more than one, yet many working and financially responsible adults do not have anything saved. The claim by those who do not have a savings account is generally that they can’t afford to save anything. Understandably, you may not think you can afford to save, but if you were to analyze your budget, you could probably find a few things you could cut back on to put into your savings account.

    Ignoring Interest

    First, many of those obtaining credit cards or loans that carry interest don’t pay attention to the percentage of the interest they are agreeing to at the time of the loan or signing the credit card agreement. If you have no choice but to agree to a higher interest rate, such as with a car loan, you need to make that account pay off priority and always pay more than the minimum payment. Early payoffs of any accounts carrying interest or high interest will minimize the cost and debt damage that interest can do to your finances.

    Don’t Be Impulsive

    When it comes to spending, people are sometimes impulsive. While making impulse purchases on occasion will not significantly damage your overall finances, if you are regularly impulsive when it comes to spending, you must get it under control. From shopping at the store to passing a sale or seeing an ad on tv, you have to resist making unplanned purchases as much as possible.   Check out America's Best Bookkeepers

    Don’t Be Overconfident

    While you can and should invest in the stock market, you have to be careful and not get overconfident. The stock market can be a risk that will often have a high reward; however, you have to be thoughtful in your investments and use caution rather than cockiness. Sometimes we will make a great trade and make a lot of money, which builds our confidence, and if we get overly confident, it can cause us to make critical mistakes and lose more than we can handle.

    Paying Retail

    While brand loyalty and trust is understandable, paying retail when there are ways to save and still have quality products is a waste of money. There are outlet and discount options that will allow you to have your name brand still while saving money. Alternatively, there are generally no-name brand products that are equal to the name brand in quality at a fraction of the price simply because it doesn’t have the name attached.

    Bad Credit

    Most people already realize that your credit score plays a large role in your financial health. Even if you don’t plan to make large purchases using a lender that requires your credit score to be high, having a low credit score can cost you. Many companies, such as insurance, cell phone, and utilities, use your credit score to determine fees and deposits or down payments. There are even some jobs that will reject you for hire if you have a low credit score. With so many sites or apps that offer free credit reports, there is no reason you shouldn’t know what your score is and what the issues are. Repair your credit, and do it now! Check out America's Best Bookkeepers

    Not Negotiating Bills

    Most people don’t realize that many of your bills and services can be negotiated. Utilities, phone or internet services, and medical bills are a few that you can sometimes negotiate to a lower amount. Even if the answer is no, you should make an effort to negotiate your bills and payments to a lower amount or refinance if your credit is in a better position.

    Spending Tax Refund

    Many Americans get a little to thousands of dollars back on their taxes each year, and while it is good for the economy to spend that refund, you should save some of it or invest it so it will grow into more revenue. It would be best to save or invest it all, but one financial treat is acceptable.

    Check out America's Best Bookkeepers About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud-hosted desktop where their entire team and tax accountant may access the QuickBooks™️ file, critical financial documents, and back-office tools in an efficient and secure environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity. Check out America's Best Bookkeepers