mirror of https://github.com/ghostfolio/ghostfolio
Thomas Kaul
3 years ago
committed by
GitHub
GitHub
12 changed files with 326 additions and 19 deletions
@ -0,0 +1,19 @@ |
|||||
|
import { NgModule } from '@angular/core'; |
||||
|
import { RouterModule, Routes } from '@angular/router'; |
||||
|
import { AuthGuard } from '@ghostfolio/client/core/auth.guard'; |
||||
|
|
||||
|
import { HowDoIGetMyFinancesInOrderPageComponent } from './how-do-i-get-my-finances-in-order-page.component'; |
||||
|
|
||||
|
const routes: Routes = [ |
||||
|
{ |
||||
|
path: '', |
||||
|
component: HowDoIGetMyFinancesInOrderPageComponent, |
||||
|
canActivate: [AuthGuard] |
||||
|
} |
||||
|
]; |
||||
|
|
||||
|
@NgModule({ |
||||
|
imports: [RouterModule.forChild(routes)], |
||||
|
exports: [RouterModule] |
||||
|
}) |
||||
|
export class HowDoIGetMyFinancesInOrderRoutingModule {} |
||||
@ -0,0 +1,9 @@ |
|||||
|
import { Component } from '@angular/core'; |
||||
|
|
||||
|
@Component({ |
||||
|
host: { class: 'page' }, |
||||
|
selector: 'gf-how-do-i-get-my-finances-in-order-page', |
||||
|
styleUrls: ['./how-do-i-get-my-finances-in-order-page.scss'], |
||||
|
templateUrl: './how-do-i-get-my-finances-in-order-page.html' |
||||
|
}) |
||||
|
export class HowDoIGetMyFinancesInOrderPageComponent {} |
||||
@ -0,0 +1,206 @@ |
|||||
|
<div class="blog container"> |
||||
|
<div class="row"> |
||||
|
<div class="col-md-8 offset-md-2"> |
||||
|
<article> |
||||
|
<div class="mb-4 text-center"> |
||||
|
<h1 class="mb-1">How do I get my finances in order?</h1> |
||||
|
<div class="text-muted"><small>14.07.2022</small></div> |
||||
|
</div> |
||||
|
<section class="mb-4"> |
||||
|
<p> |
||||
|
Before you can think of |
||||
|
<a [routerLink]="['/resources']">long-term investing</a>, you need |
||||
|
to have your finances in order. Take a look at Peter's journey to |
||||
|
see how you can achieve it, too. |
||||
|
</p> |
||||
|
<p> |
||||
|
Peter enjoys life, but sometimes he overspends a bit. He realizes it |
||||
|
when money runs out already in the middle of the month. Then the |
||||
|
next few days become difficult and saving money is out of the |
||||
|
question. That is why he wants to plan his monthly budget in the |
||||
|
future. |
||||
|
</p> |
||||
|
<p> |
||||
|
Peter has a decent salary in his job. But as soon as the salary |
||||
|
arrives in his account, it melts away. In order to find out where |
||||
|
his money is disappearing, he has decided to plan his monthly |
||||
|
budget. He wants to be able to put money aside for major expenses |
||||
|
and set financial goals. |
||||
|
</p> |
||||
|
</section> |
||||
|
<section class="mb-4"> |
||||
|
<h2 class="h4">Keeping a traditional or digital budget book</h2> |
||||
|
<p> |
||||
|
First, Peter obtains an overview of his personal finances. To do so, |
||||
|
he starts keeping a budget book. This can be done on paper by |
||||
|
listing his income and expenses for a few months, or he can create a |
||||
|
simple spreadsheet in Excel. In addition, many credit card providers |
||||
|
offer the feature within their apps of having expenses automatically |
||||
|
analyzed according to different categories. According to the |
||||
|
<a href="https://www.bfs.admin.ch/bfs/en/home.html" |
||||
|
>Swiss Federal Statistical Office</a |
||||
|
>, households in Switzerland spend around 20 percent of their |
||||
|
disposable income on housing and around 10 percent on groceries. |
||||
|
</p> |
||||
|
<p> |
||||
|
With the smartphone app, Peter has a better overview of his |
||||
|
financial affairs. The application assigns the bookings to |
||||
|
individual categories. Peter can assign specific budgets to each of |
||||
|
them. This way, he is always informed about how much money he can |
||||
|
still spend on restaurant visits in the current month, for example. |
||||
|
A traditional method is the so-called |
||||
|
<a |
||||
|
href="https://www.investopedia.com/envelope-budgeting-system-5208026" |
||||
|
>envelope method</a |
||||
|
>. One envelope is labeled for each category like groceries, rent or |
||||
|
student loans. The monthly budget is put into the envelopes in cash. |
||||
|
Many apps offer the same budgeting system in a more convenient, |
||||
|
virtual way. |
||||
|
</p> |
||||
|
</section> |
||||
|
<section class="mb-4"> |
||||
|
<h2 class="h4">Planning and investing</h2> |
||||
|
<p> |
||||
|
If Peter has spent less money than planned on eating out at |
||||
|
restaurants, he can set aside the remaining amount. This way, he can |
||||
|
treat himself to something special every now and then. From now on, |
||||
|
he saves a fixed amount of money in a separate account ("pay |
||||
|
yourself first") by standing order at the beginning of the month. As |
||||
|
soon as there are three net monthly salaries in the account, he |
||||
|
invests the monthly savings amount in a passively managed global |
||||
|
equity fund. This grows his assets over the years and allows him to |
||||
|
supplement his pension later. |
||||
|
</p> |
||||
|
</section> |
||||
|
<section class="mb-4"> |
||||
|
<h2 class="h4">How to achieve your financial goals?</h2> |
||||
|
<p> |
||||
|
If you follow these five actionable tips, you can reach your |
||||
|
financial goals easier and faster. Start with one tip and when you |
||||
|
implement it well, you can try the next one to ultimately have more |
||||
|
money at the end of the month. |
||||
|
</p> |
||||
|
<h3 class="h5">1. Visualize your goals</h3> |
||||
|
<p> |
||||
|
Start visualizing your goals. For example, hang up pictures of the |
||||
|
travel destination you are saving for. Imagine that you have already |
||||
|
achieved the goal to slowly adapt your mindset. |
||||
|
</p> |
||||
|
<h3 class="h5">2. Write off personal items</h3> |
||||
|
<p> |
||||
|
Do as a business does and write off purchases annually. For a new |
||||
|
car, you could set aside one-sixth of the purchase price each year. |
||||
|
</p> |
||||
|
<h3 class="h5">3. Save at the beginning of the month</h3> |
||||
|
<p> |
||||
|
Have a savings amount deducted from your account at the beginning of |
||||
|
the month. Then you will pay yourself first and spend less money. |
||||
|
</p> |
||||
|
<h3 class="h5">4. Follow the 50-30-20 rule</h3> |
||||
|
<p> |
||||
|
You need 50 percent of your disposable income for fixed costs. 30 |
||||
|
percent can be spent on personal needs such as hobbies, travel or |
||||
|
consumer electronics. 20 percent is left for savings or to pay off |
||||
|
potential debts. |
||||
|
</p> |
||||
|
<h3 class="h5">5. Track your progress</h3> |
||||
|
<p> |
||||
|
If you have any money to spare, invest it in a broadly diversified, |
||||
|
low-cost portfolio excluding the risks of individual stocks. Track |
||||
|
the progress of your portfolio and net worth with |
||||
|
<a href="https://ghostfol.io">Ghostfolio</a>, a web-based personal |
||||
|
finance management software. |
||||
|
</p> |
||||
|
</section> |
||||
|
<section class="mb-4"> |
||||
|
<ul class="list-inline"> |
||||
|
<li class="list-inline-item"> |
||||
|
<span class="badge badge-light">App</span> |
||||
|
</li> |
||||
|
<li class="list-inline-item"> |
||||
|
<span class="badge badge-light">Assets</span> |
||||
|
</li> |
||||
|
<li class="list-inline-item"> |
||||
|
<span class="badge badge-light">Budget</span> |
||||
|
</li> |
||||
|
<li class="list-inline-item"> |
||||
|
<span class="badge badge-light">Cash</span> |
||||
|
</li> |
||||
|
<li class="list-inline-item"> |
||||
|
<span class="badge badge-light">Debt</span> |
||||
|
</li> |
||||
|
<li class="list-inline-item"> |
||||
|
<span class="badge badge-light">Equity</span> |
||||
|
</li> |
||||
|
<li class="list-inline-item"> |
||||
|
<span class="badge badge-light">ETF</span> |
||||
|
</li> |
||||
|
<li class="list-inline-item"> |
||||
|
<span class="badge badge-light">Expense</span> |
||||
|
</li> |
||||
|
<li class="list-inline-item"> |
||||
|
<span class="badge badge-light">Finance</span> |
||||
|
</li> |
||||
|
<li class="list-inline-item"> |
||||
|
<span class="badge badge-light">Fintech</span> |
||||
|
</li> |
||||
|
<li class="list-inline-item"> |
||||
|
<span class="badge badge-light">Fund</span> |
||||
|
</li> |
||||
|
<li class="list-inline-item"> |
||||
|
<span class="badge badge-light">Ghostfolio</span> |
||||
|
</li> |
||||
|
<li class="list-inline-item"> |
||||
|
<span class="badge badge-light">Goal</span> |
||||
|
</li> |
||||
|
<li class="list-inline-item"> |
||||
|
<span class="badge badge-light">Income</span> |
||||
|
</li> |
||||
|
<li class="list-inline-item"> |
||||
|
<span class="badge badge-light">Investment</span> |
||||
|
</li> |
||||
|
<li class="list-inline-item"> |
||||
|
<span class="badge badge-light">Money</span> |
||||
|
</li> |
||||
|
<li class="list-inline-item"> |
||||
|
<span class="badge badge-light">Net Worth</span> |
||||
|
</li> |
||||
|
<li class="list-inline-item"> |
||||
|
<span class="badge badge-light">Pension</span> |
||||
|
</li> |
||||
|
<li class="list-inline-item"> |
||||
|
<span class="badge badge-light">Personal Finance</span> |
||||
|
</li> |
||||
|
<li class="list-inline-item"> |
||||
|
<span class="badge badge-light">Planning</span> |
||||
|
</li> |
||||
|
<li class="list-inline-item"> |
||||
|
<span class="badge badge-light">Portfolio</span> |
||||
|
</li> |
||||
|
<li class="list-inline-item"> |
||||
|
<span class="badge badge-light">Salary</span> |
||||
|
</li> |
||||
|
<li class="list-inline-item"> |
||||
|
<span class="badge badge-light">Saving</span> |
||||
|
</li> |
||||
|
<li class="list-inline-item"> |
||||
|
<span class="badge badge-light">Software</span> |
||||
|
</li> |
||||
|
<li class="list-inline-item"> |
||||
|
<span class="badge badge-light">Spreadsheet</span> |
||||
|
</li> |
||||
|
<li class="list-inline-item"> |
||||
|
<span class="badge badge-light">Stock</span> |
||||
|
</li> |
||||
|
<li class="list-inline-item"> |
||||
|
<span class="badge badge-light">Strategy</span> |
||||
|
</li> |
||||
|
<li class="list-inline-item"> |
||||
|
<span class="badge badge-light">Wealth Management</span> |
||||
|
</li> |
||||
|
</ul> |
||||
|
</section> |
||||
|
</article> |
||||
|
</div> |
||||
|
</div> |
||||
|
</div> |
||||
@ -0,0 +1,17 @@ |
|||||
|
import { CommonModule } from '@angular/common'; |
||||
|
import { CUSTOM_ELEMENTS_SCHEMA, NgModule } from '@angular/core'; |
||||
|
import { RouterModule } from '@angular/router'; |
||||
|
|
||||
|
import { HowDoIGetMyFinancesInOrderRoutingModule } from './how-do-i-get-my-finances-in-order-page-routing.module'; |
||||
|
import { HowDoIGetMyFinancesInOrderPageComponent } from './how-do-i-get-my-finances-in-order-page.component'; |
||||
|
|
||||
|
@NgModule({ |
||||
|
declarations: [HowDoIGetMyFinancesInOrderPageComponent], |
||||
|
imports: [ |
||||
|
CommonModule, |
||||
|
HowDoIGetMyFinancesInOrderRoutingModule, |
||||
|
RouterModule |
||||
|
], |
||||
|
schemas: [CUSTOM_ELEMENTS_SCHEMA] |
||||
|
}) |
||||
|
export class HowDoIGetMyFinancesInOrderPageModule {} |
||||
@ -0,0 +1,3 @@ |
|||||
|
:host { |
||||
|
display: block; |
||||
|
} |
||||
Loading…
Reference in new issue