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Project No. Financial literacy and financial services 2011 1000 respondents from all over Bosnia and Herzegovina were included in the survey Your participation is on voluntary basis and is anonymous
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Start by gathering all your financial documents such as bank statements, credit card bills, loan agreements, and investment statements.
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Calculate your income by adding up all the money you receive on a regular basis. This can include your salary, rental income, dividends, or any other sources of income.
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Track your expenses by reviewing your bank statements and credit card bills. Categorize your expenses into essential categories like housing, utilities, groceries, transportation, and discretionary spending.
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Subtract your total expenses from your income to determine your cash flow. This will help you understand if you are living within your means or if you need to make any adjustments to your spending habits.
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Evaluate your assets, which can include savings accounts, investments, real estate, or any valuable possessions you own. Determine their current value and assess their contribution to your overall financial picture.
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Assess your liabilities, which include any debts or loans you owe. This can be credit card debt, student loans, mortgage payments, or any other outstanding obligations. Calculate the interest rates and payment schedules for each liability.
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Analyze your financial goals and priorities. Do you want to save for retirement, pay off debt, or invest in a new business venture? Prioritize your goals and create a plan to achieve them.
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Seek professional help if needed. If you feel overwhelmed or unsure about certain financial matters, consider consulting with a financial advisor or accountant who can provide guidance and expertise.

Who needs making sense of financial?

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Individuals who want to gain control over their finances and make informed decisions about their money.
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Entrepreneurs or business owners who need to understand their company's financial performance and make strategic decisions based on financial data.
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Anyone who wants to learn how to save money, reduce debt, and plan for their future financial security.
In summary, filling out "making sense of financial" involves gathering and organizing financial documents, calculating income and expenses, evaluating assets and liabilities, setting financial goals, and seeking professional help if necessary. This process is beneficial for individuals and businesses alike, helping them gain control over their finances and make sound financial decisions.

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