2013
10 GOLDEN FINANCIAL RULES
Comenius Multilateral Partnership: Bulgaria; Estonia; Greece; Italy; Northern Ireland; Poland; Portugal; Spain; Turkey; England.
Rule 1: Plan your future Dedicate some of your time to write down your financial goals and also your financial plan to achieve them.
BULGARIA Kremena – 6 years old- she would like to invest in her education. That’s why she is going to the kindergarten every day.
She will be a student next year.
After school she would like to go to the university.
Her dream is one day to be a teacher and to teach in school! She is working hard to make her dream come truth! She have a piggy bank and every week she is putting there money to help her parents with the fee!
Rule 2: Do not expect a trade-off Be wary in what concerns to ads, sellers and other financial offerings that promise something for free.
ESTONIA
Rule 3: Start Saving Early The sooner you start saving greater will be the resources you will be able to accumulate over time.
GREECE
Rule 4: Make a budget Make a budget to identify your profit and unexpected expenses, including your savings. The budget will guide your actions.
ITALY
Rule 5: Plan your purchases You cannot have everything at once, but when you want to buy something for yourself plan how to buy, where and when.
NORTHERN IRELAND
Rule 6: Do not borrow Do not borrow unless it is really necessary.
POLAND
Rule 7: Be careful with your passwords and card codes It's a problem if they are discovered by malicious people.
PORTUGAL
Rule 8: Spend less Find out all possible ways to spend less electricity, less water, less costs with transports, less paper.
SPAIN
Rule 9: Establish priorities We need to know how to save for the things that really matter and stop spending on what is superfluous.
TURKEY
Rule10: Pay your bills on time No charges for late payments, interest or even phone calls asking for the settlement of accounts.
ENGLAND