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Are you ready to press restart in your financial life? No matter what decisions you have made in the past or where you are presently, you can proactively work to reset your financial status so that you can begin to move forward.

Follow these 8 steps for a financial makeover:

1.        Accept Reality- No matter what your present financial reality, you need to accept it. It is not important to blame or point fingers at anyone or yourself, but it is important to accept what is so that you can move forward.

2.        Assess Your Current Situation- You need to complete a financial inventory so that you know where you are starting from. Take a snapshot of your current income viagra benefits side effects, expenses, assets and liabilities and determine what amount of cash flow you have left over at the end of every month.

3.        Develop a Debt Reduction Strategy- If you are currently in debt, you need to develop a plan to reduce and eventually eliminate it. Determine how much money you can begin to allocate toward debt on a monthly basis and begin to repay your debts starting with the highest interest rate debt first, and then working down the list. Viagra benefits side effects

4.        Start Saving- Even if you cannot save much today, beginning to build the habit of saving is crucial. Set aside a fixed amount from every paycheck into your cash reserve accounts until you have accumulated 3-6 months worth of expenses in cash. Once you have met this goal, begin to build your investment portfolio.

5. [viagra benefits side effects]        Diversify- Make sure that your portfolio’s assets are properly diversified among asset classes so that you can consistently gain the maximum level of return for the given level of risk that you are willing to take.

6.        Evaluate your Retirement Plan- No matter what the current market conditions are, it is important to have a firm grasp of your retirement plan. Review your portfolio, your progress and any changes that you need to make to put yourself on track to retire. Be sure to re-evaluate your progress at least annually so that you can continue to remain on track.

7.        Know your Credit Score- Because your credit score affects more than your ability to gain credit, determine what your present score is with each credit bureau. If it is low, take proactive action to begin to improve it.

8.        Protect Your Assets- Many families focus only on accumulating assets and not protecting them. Work to ensure that you have adequate life and disability insurance so that you can protect yourself and your family against things that you cannot afford to lose.

The most important thing to do viagra benefits side effects when preparing a financial plan is to take action. Without action, you will not make financial progress. So, no matter where you are today financially, by following these steps, you can place yourself on the path to financial success.


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