2013

Comenius Multilateral

Partnership: Bulgaria; Estonia;

Greece; Italy; Northern Ireland;

Poland; Portugal; Spain; Turkey;

England.

10 GOLDEN FINANCIAL RULES

BULGARIA

Rule 1: Plan your future Dedicate some of your time to write down your financial goals and also your financial plan to achieve them.

ESTONIA

Rule 2: Do not expect a trade-off Be wary in what concerns to ads, sellers and other financial offerings that promise something for free.

GREECE

Rule 3: Start Saving Early The sooner you start saving greater will be the resources you will be able to accumulate over time.

ITALY

Rule 4: Make a budget Make a budget to identify your profit and unexpected expenses, including your savings. The budget will guide your actions.

NORTHERN IRELAND

Rule 5: Plan your purchases You cannot have everything at once, but when you want to buy something for yourself plan how to buy, where and when.

POLAND

Rule 6: Do not borrow Do not borrow unless it is really necessary.

PORTUGAL

Rule 7: Be careful with your passwords and card codes It's a problem if they are discovered by malicious people.

SPAIN

Rule 8: Spend less Find out all possible ways to spend less electricity, less water, less costs with transports, less paper.

TURKEY

Rule 9: Establish priorities We need to know how to save for the things that really matter and stop spending on what is superfluous.

ENGLAND

Rule10: Pay your bills on time No charges for late payments, interest or even phone calls asking for the settlement of accounts.