With the collapse of Lehman Brothers, the latest bailout of AIG and the worst week for the stock market since the terrorist attacks of 9 / 11, it there is no doubt that we are in serious economic difficulties. If you start to get nervous, you're not alone. Do not get me wrong no, these are frightening times. However, if you keep your head and follow a few simple rules, you'll be OK. Although the financial position of each is unique Here are some golden rules to go safely and securely through the difficult times.
1) Live Lean and Clean
This is not the time to take on any new debt or make large purchases. The name of the game is being cut expenses and reduce your monthly needs Financial. Are you usually eat every other meal? Stop immediately. May you feel while you are still able to give that luxury, that could change at any time. Get used to prepare your own meals and reduce the cost of meals outside. Teach your grocery budget and focus on what you really need. Stock up on food, learn a few cheap meals and easy to integrate into your diet weekly. Focus on healthy foods and avoid empty calories. Why pay for a piece of cheesecake 1000 calories that you provide will not be any nutrition? Skip it.
If luxury purchases such as electronics, put a limit on this soon now. Thinking of buying a huge plasma TV 1080 dpi for $ 2000? Think again. As the market continues to deteriorate, we may see some deflation in the corner. This will make many financially illiterate consumers jumped on the promotions of interest from 0% at Best Buy and Circuit City. Trust me, the last thing you need is another monthly payment for a useless product. While these promotions are attractive, if you miss one monthly payment you could be snapped with HUGE interest penalties and fees. I know this sounds old fashioned, but it is now time to focus on the cheap entertainment. If you have not been to your local library, it is time to do so. If you do can not quite make the leap, at least buy some used books. My personal recommendation, War and Peace. At 1400 pages you visit pennies one hours entertainment even if you buy a new one.
2) Do not Be Greedy – Be the guy (or girl) who can not be dismissed
Stroll in Wall Street this week and you may see some guys $ 1000 suits selling apples on the corner. The impact of the current economy on employment, both in the finance sector and outside, will be enormous. With a few leading companies in the world crumbling and revenues investment in free-fall, hang on to your job in May harder than ever. The key is to bury your energy on your work overperforming. Focus it becomes absolutely essential to the success of your business, they are doing well or not. We say that a good company needs good accountants and a bad companions in need of accounting. For those of you lucky enough to be taking degrees in accounting, take a deep breath. You have chosen good major in college! Even if you watched your friends funding major collect bonuses that were double your full salary, your time is now come. Accounting jobs are the place to be. For more information on why this is a great career path, Please visit http:/target = "_blank"> www.big4guru.com. OK, I'm going to my soap box now.
Whatever your profession, holds the truth that you need to focus now on security. Forget shaking your head for every dollar you can, or trying to fly to across the enterprise. At this moment the name of the game is to build a niche with your employer that you would be irreplaceable. This can be done by overperforming your current role, developing new procedures that could not be easily reproduced if you were to leave and become the "go to" person in a specific area.
3) Take comfort that you have
Anyone can cut costs and keep a good job, but not everyone can be happy to do. Now season to be happy with what you have. There are many out there that will not withstand the storm, as well as you. Whenever you make that your stay smart and thought that has helped you, take a moment to praise and be happy. Your colleague foreclosing on the house, you knew he could not afford while you're comfortable in your apartment small but well furnished? Is that your boyfriend is selling his huge TV for a large loss while your money is tucked away in savings? Good job! The economic tide will surely turn, but for now focus only about living within your means. These skills, especially learning to appreciate what you have, goes much now and the future! Good luck.
About the Author:
The Big 4 Guru is a CPA, proud Big 4 alumni and seasoned industry professional. His passion is helping new accounting professionals achieve their career goals.
Article Source: ArticlesBase.com – The New Great Depression: Three Golden Rules to Keep You Safe and Secure
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