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Answer by paula d
Give yourself an allowance. Figure out what you need for bills, what you need to SAVE, and give yourself fun money (a daily or weekly amount). That way you won’t feel deprived, but you’re still being responsible.

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Answer by Bianca S
Make a 12 month file. With Jan.-Dec. Keep all of your receipts!!!!!!! And bills. Or money order receipts. Each time you buy something add it to your caculations for that month and keep it in the month you bought whatever in it. When taxes need to be filed you’ll have how much money you have spent in each month and the receipts. Some stuff can be deducted. Like cell phone bills and gifts to others and you have to have the receipts or money order receipts or checks to prove it.

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Answer by Josher
You’re So Money, by Farnoosh Torabi.

It’s a great book about personal finance from the views of the twenty something. It’s a great book for anyone under the age of 45. Particularly focusing on the finance for the younger American.

Check it out. She’s a friend of mine and almost as savvy as me.

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Answer by Scott H
Financial management of restaurants varies depending on the type or restaurant. A fast food restaurant will have different targeted goals than a full service restaurant.

If you are looking for targeted numbers for your variable costs such as labor cost, food cost, liquor cost, beer cost, and wine costs you can use a the industry averages of 30%, 31%, 22%, 28%, 35% respectively.

If you are looking for a more extensive look at restaurant financials I would suggest checking out the site http://www.foodandbeverageunderground.com where you can get all the food and beverage knowledge to run a restaurant for free.

Good luck and cheers!

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Answer by rgchappell
You need a copy of their annual report. It should be available for the asking at no charge but they might want a token fee for handling and mailing. You should either write or email their corporate office.

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Answer by jtribbbiani
Expenses shouldn’t rise proportionately with sales growth because in some businesses certain costs are fixed and aren’t affected by sales. However, it is usually desired that most of your costs are variable, that way you can manage your business accordingly and control your costs throughout the business cycle more effectively. Also, expenses won’t rise at the same rate as sales because of productivity gains in an economy. This is basically why we can have GDP growth at rates higher than inflation (I’m talking nominal terms which then translates into real GDP growth). If expenses increase at the same rate of sales, that is not necessarily a bad thing. That could mean that management has done a good job of scaling back their fixed costs and are better able to manage the business through downturns. An important measure to look at is what is the return that management is generating relative to the capital levels invested in the business.

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Answer by Boyoboy0
http://www.jpost.com

& Y/A research @ Obama’s Hitler Youth spy plan:-

http://ca.answers.yahoo.com/question/index;_ylt=Ar5ZXOe1SGW4ItKpDj68H5rBFQx.;_ylv=3?qid=20090905010630AAJDeO4&show=7#profile-info-YfRQgIrZaa

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Answer by Judy
I wish I could teach the world:
Don’t ever carry credit card balances – it ruins your credit
Don’t even think of leasing a car – its moronic
Don’t ever rent furniture
Don’t ever buy a time share
Don’t even think of financing furniture – save up for things.
Save to buy a car, as much as possible.
Put 20% down on a house – even if you think your friends will make fun of you for having a small house.
Put money away in a ROTH, 401K – as much as possible
Become as self- insured as possible – stop making insurance companies rich
Always have 6 months worth of living expenses socked away.
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Answer by Faleel
Islamic finance expert blog gives more latest and updated news around the world in Islamic finance industry.

http://ifinanceexpert.wordpress.com/

Islamic finance news from asia
Islamic finance news from europe
Islamic finance news from america
Islamic finance news from australia
Islamic finance news from africa
Islamic finance news from russia
Islamic finance news from china

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Any good advise

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Answer by rudy4prez
Get a cosigner. Also, start buying things on credit cards, then pay them off completely that month.

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