How to regain access to hard drive, fix error of not being able to open hard drive
In this article, we will guide you how to regain access to your hard drive when it fails. Let's follow along!
The 75/15/10 Rule: Make Money Management Effective and Easy to Apply
Effective personal finance management is the key to achieving financial stability and independence. Among the personal finance management methods, the 75/15/10 rule is considered a simple and easy-to-apply formula, especially in a volatile economic context.
What is the 75/15/10 rule?
The 75/15/10 rule guides you to divide your monthly income into three parts:
75% for necessities : This is spending on daily living needs such as rent, food, utility bills and other living expenses.
15% for long-term investments : This is for investments that are intended to increase assets in the future, such as stocks, pension funds, or other forms of investments.
10% for short-term savings : This section is used to save for short-term goals or an emergency fund, which helps you deal with unexpected expenses or plans in the near future.
Benefits of applying the 75/15/10 rule
Easy to follow : With clear division ratios, this rule makes it easy for you to track and manage your spending without having to record each item in detail.
Flexible : Allows you to spend 75% of your income on essential needs, helping to reduce daily financial pressure and suitable for many different income levels.
Focus on investing and saving : Dedicating 15% to long-term investing and 10% to short-term savings helps you build a solid financial foundation and prepare for future goals.
Compare with other rules
In the past, rules like 50/30/20 or 60/30/10 were widely applied. However, with the current economic situation, spending only 50% of your income on essential needs may not be practical for many people. The 75/15/10 rule adjusts this ratio, allowing you to stretch your finances to meet your daily needs while still ensuring you invest and save for the future.
How to apply the 75/15/10 rule?
Determine Monthly Income : Calculate the total after-tax income you receive each month.
Income distribution by ratio:
- 75% for daily living expenses.
- 15% for long term investments.
- 10% for short-term savings or emergency fund.
Monitor and adjust : Regularly check and adjust spending to ensure compliance with rules, while being flexible to change according to personal financial situation.
Applying the 75/15/10 rule not only helps you manage your finances effectively but also creates a foundation for financial stability and growth in the future. Start today to build a healthy and sustainable financial life!
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