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The ability to manage money competently is especially valuable quality in the conditions of financial crisis, when the purchasing power of the population is shrinking, inflation is rising, and currency exchange rates are completely unpredictable. Below are the common mistakes related to money affairs along with financial planning advice to help manage your own finances properly.

  • Per quanto riguarda il regime ordinario, il ricavato che proviene dall’affitto va dichiarato ai fini dell’Irpef. Dunque verrà sommato a tutti gli altri redditi percepiti dal contribuente all’interno del periodo dell’anno fiscale. Va da sé che, essendo l’Irpef un’imposta progressiva, più alto è il reddito totale, più alta è l’aliquota e più sarà alta la quota da pagare.


  • Introdotta con il fine di contrastare l’evasione fiscale in materia di affitti, a disciplinare la cedolare secca è il Decreto legislativo del 14 marzo 2011 n. 23, con il quale è stato istituito il regime di tassazione sostitutivo del reddito fondiario derivante dalla locazione di immobili.

    La cedolare secca è sostitutiva dell’IRPEF, e per chi opta per la sua applicazione è inoltre previsto l’esonero dal versamento delle imposte di registro e di bollo, così come delle addizionali IRPEF regionali e comunali.


  • La locazione è il contratto giuridico attraverso il quale un soggetto si obbliga nei confronti di un altro soggetto per permettergli di godere di un bene mobile o immobile di sua proprietà dietro il corrispettivo di una somma di denaro


The budget is the most basic thing in financial planning. It is therefore especially important to be careful when compiling the budget. To start you have to draw up your own budget for the next month and only after it you may make a yearly budget.

 

As the basis takes your monthly income, subtract from it such regular expenses as the cost of housing, transportation, and then select 20-30% on savings or mortgage loan payment.

The rest can be spent on living: restaurants, entertainment, etc. If you are afraid of spending too much, limit yourself in weekly expenses by having a certain amount of ready cash.

 

"When people borrow, they think that they should return it as soon as possible," said Sofia Bera, a certified financial planner and founder of Gen Y Planning company. And at its repayment spend all that earn. But it's not quite rationally ".

 

If you don't have money on a rainy day, in case of an emergency (e.g. emergency of car repairs) you have to pay by credit card or get into new debts. Keep on account of at least $1000 in case of unexpected expenses. And gradually increase the "airbag" to an amount equal to your income for up to three-six months.

 

"Usually when people plan to invest, they only think about profit and they don't think that loss's possible", says Harold Evensky, the President of the financial management company Evensky & Katz. He said that sometimes people do not do basic mathematical calculations.

For example, forgetting that if in one year they lost 50%, and the following year they received 50% of the profits, they did not return to the starting point, and lost 25% savings. Therefore, think about the consequences. Get ready to any options. And of course, it would be wiser to invest in several different investment objects.