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<!DOCTYPE html>
<html lang="en">
<head>
<meta charset="UTF-8">
<meta http-equiv="X-UA-Compatible" content="IE=edge">
<meta name="viewport" content="width=device-width, initial-scale=1.0">
<link rel="shortcut icon" href="./assets/imgs/favicon_io/favicon-32x32.png">
<link rel="apple-touch-icon" sizes="180x180" href="./assets/imgs/favicon_io/apple-touch-icon.png">
<link rel="icon" type="image/png" sizes="32x32" href="./assets/imgs/favicon_io/favicon-32x32.png">
<link rel="icon" type="image/png" sizes="16x16" href="./assets/imgs/favicon_io/favicon-16x16.png">
<link rel="manifest" href="./assets/imgs/favicon_io/site.webmanifest">
<title>Bucket Calculator - Tips</title>
<!-- Materialize - Compiled and minified CSS -->
<link rel="stylesheet" href="https://cdnjs.cloudflare.com/ajax/libs/materialize/1.0.0/css/materialize.min.css">
<!-- Materialize icons -->
<link href="https://fonts.googleapis.com/icon?family=Material+Icons" rel="stylesheet">
<!-- Document CSS -->
<link rel="stylesheet" href="./assets/css/style.css">
</head>
<body>
<header>
<nav>
<div class="nav-wrapper">
<a href="#" data-target="slide-out" class="sidenav-trigger"><i class="fa-solid fa-bars"></i></a>
<a href="index.html" class="title brand-logo">Bucket Calculator</a>
<ul class="right hide-on-med-and-down">
<li><a href="index.html" class="hvr-underline-from-left nav-link">Home</a></li>
<li><a href="calculator.html" class="hvr-underline-from-left nav-link">Calculator</a></li>
<li><a href="tips.html" class="hvr-underline-from-left nav-link">Tips</a></li>
<li><a href="about.html" class="hvr-underline-from-left nav-link">About</a></li>
<li><a href="team.html" class="hvr-underline-from-left nav-link">Team</a></li>
</ul>
</div>
</nav>
<!--mobile-side-nav-->
<ul id="slide-out" class="sidenav">
<li><a href="index.html" class="nav-link">Home</a></li>
<li><a href="calculator.html" class="nav-link">Calculator</a></li>
<li><a href="tips.html" class="nav-link">Tips</a></li>
<li><a href="about.html" class="nav-link">About</a></li>
<li><a href="team.html" class="nav-link">Team</a></li>
</ul>
</header>
<main>
<div class="container">
<div class="card-panel grey lighten-5 z-depth-1 shadow">
<div class="row">
<div class="col s12 m6">
<h1 class="title">Helpful tips to manage your money.</h1>
<hr>
<p>
This page will take you through different advice, tips and tricks on how to help you avoid
or
get out of debt. It will also help you understand what managing your money
means and give advice on how to do it effectively.
</p>
<p>
A healthy financial future is not about how much money you make, it is about how you manage
and
plan. Learn some basic money management techniques to help get your
finances in order, no matter your income.
</p>
</div>
<div class="col s12 m6">
<img src="assets/imgs/tips-hero.png" alt="a woman holding a lightbulb" height="100%"
width="100%">
</div>
</div>
</div>
</div>
<div class="container">
<div class="row">
<div class="col s12">
<h2 class="title center-align">What Is Money Management?</h2>
<hr>
<p>
Budgeting, investing, saving and even spending are all a part of money management. So how do you
build money confidence and reduce anxiety about your financial goals?
Finding ways to better manage your money—and your mindset—could help. You could do your own
research or get professional advice to assist you with your financial plan.
</p>
</div>
</div>
</div>
<div class="container">
<div class="row">
<div class="col s12">
<h3 class="title center-align">5 Principles of Money Management You Should Follow</h3>
<hr>
</div>
</div>
<div class="row">
<div class="col s12 m6">
<p>Click each principle to learn more!</p>
<ul class="collapsible">
<li>
<div class="collapsible-header"><i class="material-icons">assignment_ind</i>1. Your
Financial Plan Should Be Unique To You </div>
<div class="collapsible-body"><span>Your life journey is different from others, so why
should your financial plan be the same as others? While this might sound obvious,
I’ve often heard of cases where people have followed the crowd and ended up with
losses rather than gains.
Your money management style will always be unique, no matter how tempted you might
feel about joining the herd. After all, no two needs, earnings, and expenses can
match dollar by dollar. Correct? It’s simple: Stay in your financial lane, be
curious to learn more about money management, and apply it gradually in your
life!</span></div>
</li>
<li>
<div class="collapsible-header"><i class="material-icons">attach_money</i>2. Intelligently
Invest For The Long Term</div>
<div class="collapsible-body"><span>The concept of money management expands beyond the basic
earn and spend rule.
As a finance professional, I insist my clients to invest for a secure future. As
history has proven, investing should become a compulsory part of everyday money
management. Depending on your life goals, risk appetite, and investible surplus –
there are multiple investment opportunities in the UAE and globally to invest in.
However, don’t invest with the expectations of generating quick returns or doubling
your money overnight. I strongly advise you to keep a long-term vision in mind when
you enter this space, say 3-7 years. Give your money time to grow gradually in the
markets because success in investing does not come overnight. It takes discipline,
due diligence and patience.</span></div>
</li>
<li>
<div class="collapsible-header"><i class="material-icons">edit</i>3. Diversify, Diversify,
Diversify</div>
<div class="collapsible-body"><span>An essential English lesson learned in school has stayed
with me throughout my financial advising career: Don’t put all of your eggs in one
basket. This logic is relevant in the investing space.
No matter which investment instrument you trust your money with, your money is
always at risk due to factors not in your control. However, one of the most
foolproof ways to follow healthy money management is to diversify your investment
portfolio. Investing in multiple instruments across asset classes reduces your
chances of facing extreme losses.</span></div>
</li>
<li>
<div class="collapsible-header"><i class="material-icons">dvr</i>4. Set Realistic Goals
</div>
<div class="collapsible-body"><span>Setting financial goals is essential. When you can
visualize your goals, you tend to work harder to achieve them. The same goes for
financial goals.
Money management is a tricky space. Once you begin, you will experience the urge to
take on more risk, but risk tolerance differs across people. In my experience no one
likes to lose money. So instead, set practical goals for yourself, start slow, and
keep track of your investment’s performance.</span></div>
</li>
<li>
<div class="collapsible-header"><i class="material-icons">flight</i>5. Plan Professionally
For Your Future</div>
<div class="collapsible-body"><span>Regardless of your present age, financial goals like
planning for children’s education costs, life insurance expenses and retirement
planning, demand you need to seek professional help.
Money management is a full-time job. It isn’t easy and needs professional expertise
to show decent results. While it is tempting (and easy) to go online and buy stocks
and other products in today’s day, rarely is that a recipe for success. Yes, you
might make money, but in the long run, you will need to seek professional advice to
build a portfolio and manage money in a way that assist you with achieving your
financial goals.</span></div>
</li>
</ul>
</div>
<div class="col s12 m6">
<h4 class="title center-align">Quick tips for credit cards</h4>
<ul class="center-align">
<li>Pay off your FULL (not minimum) balance every month</li>
<li>Use the card for needs, not wants</li>
<li>Never skip a payment</li>
<li>Use a rewards card</li>
</ul>
</div>
</div>
<div class="row">
<div class="col s12 m6">
<img class="center-align" src="assets/imgs/tips-piggybank.png"
alt="a hand putting a coin in a piggybank">
</div>
<div class="col s12 m6">
<p>
The first of the year is a great time to take a personal financial inventory especially when you
may be recovering from overspending at Christmas. Maybe you’ve made a resolution to make and
really live by, a monthly budget. In any case, it’s never a bad time to get your financial house
in order.
</p>
<p>
There are many different financial profiles and household budgets vary widely. Budgets also
fluctuate, morphing continually, due to unexpected changes — positive or negative — and
disruptions. So how can you really determine the health of your financial profile?
</p>
</div>
</div>
</div>
</main>
<footer class="page-footer indigo lighten-4">
<div class="container">
<div class="row">
<div class="col">
<h2 class="title">Disclaimer <i class="fa-solid fa-triangle-exclamation"></i></h2>
<p class="grey-text text-darken-4">This Project was created for <a class="black-text"
href="https://hackathon.codeinstitute.net/hackathon/26/" title="link to hackathon's page"
target="_blank">January's Hackathon</a>. It should not be taken as actual financial
advice. If you would like to learn more about financial advice such as how to find a financial
adviser, what to consider before you see one and how a financial adviser
can be helpful, click <a target="_blank" class="black-text"
href="https://www.citizensadvice.org.uk/debt-and-money/getting-financial-advice/"
title="this link takes you to citizens advice page where you can learn more about getting financial advice">here to read more</a>.
</p>
</div>
</div>
</div>
<div class="footer-copyright grey-text text-darken-3">
<div class="container">
© 2023 Copyright - Savvy Savers (January Hackathon Team10)
</div>
</div>
</footer>
<script src="https://cdnjs.cloudflare.com/ajax/libs/jquery/3.6.3/jquery.min.js"></script>
<!-- Materialize - Compiled and minified JavaScript -->
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<script src="assets/scripts/script.js"></script>
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</body>
</html>