Saving Money: Tips Most of Us Don’t Do

take care of your money manBecause you’re earning, that doesn’t mean you can spend all you want. Bills, rent, groceries – these are only few of every person’s necessity. Whether you’re single of you have a family, it’s wise to practice healthy spending to conserve as much finances as you can. Accidents and unwanted events happen anytime and if you don’t have a sizable cash pool, most probably you’ll find yourself dealing with loans or selling all your fixtures and properties. So before it’s too late, try these helpful saving tips.

Clear the debt

If you can sleep well each night even if you’re nearly buried with debts then good for you. But that doesn’t mean you have to continue this unlikable practice. Aside from the basic monthly expenses consuming your salary, you’re also adding debt which can eat up a fractional part of your wage. Thus, the initial step towards saving and conserving money is to clear all your debt. This is not easy, especially if you have a long list of it, but once you’ve reached the peak be sure not to have any loan again. Some people seem to just drift through life thinking that all will come good – maybe they are convinced they’ll win the lottery, I know it can be tempting:

Superenamax lottery

Can the Superenamax save your finances??

Know your goals

If you’ve set a long list of goals, know which of them are important and which are not. If you’re saving up for a trip to London and your son needs assistance on his journey of being an Oklahoma City Attorney, you might want to reconsider. You can click here for affordable law schools in Oklahoma or you can reschedule your trip. By simply prioritizing your goals, you’re also saving up more cash than you think you are. Plus, you’re not skipping your responsibility to your family and to yourself.

Checklists for everything

Whether that’s your typical grocery or perhaps decors for the upcoming Christmas, making a list of what you need is highly beneficial. It doesn’t only speed up the shopping time but also saves you from purchasing items you don’t really need. Make it a hobby to make a checklist before hitting the mall or the market. If possible, make an estimate amount and bring only such amount. Nevertheless, you shouldn’t deprive yourself from satisfactions like buying a bar of chocolate you’re craving for, or buying a dress at reasonable price that you’ve been dying to have. The main idea here is to learn how to take control of your finances.

Pay in cash

Whatever you’re purchasing, it’s wise to pay in cash, rather than by card. Leave all your credit cards at home and bring only enough amounts of cash. This will spare you from overspending. With credit cards, people often think they have enough cash to pay for whatever is in their cart. If this mentality continues, it won’t be long until you discover you already have nothing in your bank account. It’s also not healthy to give credit cards to your kids for they will develop such mentality at an early stage, which is simply not healthy.

Saving up us not easy and conserving money takes strong determination and perseverance. But with helpful techniques like this, you’ll surely grow that cash pool in no time.

European Data Retention Directive Deemed Invalid

The European Union’s infamous Data Retention Directive has been deemed invalid after a long time of severe criticism from a number of member states and non-governmental organizations. The directive, which was passed by the European Union in 2006 and implemented by the member states shortly thereafter, has been under severe scrutiny since first suggested in 2005. It is now clear after a lengthy investigation that the directive is incompatible with Article 7 of the Charter of Fundamental Rights, and that it is therefore deemed invalid. It is still unclear what exactly this means for all the member states who have implemented their own versions of the directive.

What Was the Data Retention Directive?

European Data Retention Directive Deemed InvalidThe Data Retention Directive had the purpose of unifying different member state laws when it comes to retaining data from telephone carriers and Internet providers. The directive demanded that these providers in all European member states must keep all information about their customers for a minimum of six months, allowing police and security agencies to retrieve the information after a court order. The directive was heavily criticized for its opposition to the right to free communication, and has often been referred to as a “Big Brother” law.

The case of the directive was brought to the attention of the European Court of Justice after Digital Rights Ireland, a non-governmental organization, sued the state of Ireland and others for their implementation of the directive. On the 8th of April, 2014, the Court of Justice finally decided to deem the directive invalid.

Meaning for State Implementations of the Directive

Big Brother Law European Data Retention Directive Deemed InvalidThe situation is as of yet unclear when it comes to the many member states and their unique implementations. No two implementations are exactly the same, and so they are not automatically revoked, but must instead be revoked by their individual national parliaments, which will surely take quite some time. Sweden has gone before this decision, and the national Post och Telestyrelsen has informed affected parties that they are free to stop retaining data without risking any governmental cases towards them. Several Internet providers and phone carriers have already reported doing this. It is also unclear whether the EU will force these states into changing their new laws as they too go against the Charter of Fundamental Rights – and even if such is the case, it might be possible for these states to simply adapt their laws slightly to go along with fundamental rights, at least on paper.

Some countries, including Sweden, have had to pay fines to the European Union for being late in implementing the directive after it was passed in 2006. These countries have been informed that they will have their money returned. There are more money issues, however – there have already been cases of carriers considering suing states for the costs it took for them to implement the directive into their daily activities, which has now been revealed was all for nought. The case of the Data Retention Directive is obviously not over yet.


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