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Everyone would like to make money from home, but it can be frustrating and confusing trying to find a way to make money from
home that works.
If you run a search on the web, you get results for almost everything under the sun. Knowing which way will work for you can be very hard to figure out.
Some websites give information away, and others sell it.
Is the information you pay for more valuable than the free information? No,
but the information you pay for has already been compiled, so you do not have to spend days or weeks looking and researching the specific subject.

There are numerous ways to make money from home using only your computer and the Internet. You can freelance with any talents that you have, and these can include web design, software knowledge, operating
system knowledge, writing, photography, data entry, and much more. If you have skills that can be used online, you can find a buyer who will pay for these talents or skills.

There are numerous websites available to bring providers, or freelancers, together with buyers, or customers, who are in need of the specific skills. Depending on your knowledge, this can be a very lucrative career and home
business.
Paid surveys are a great way to make money from home, but do not expect to retire rich with this method. A lot of companies, from huge name brand corporations to small mom and pop businesses, will pay you for your opinions as a consumer.

By giving your opinions, you are helping companies market their products and find out what consumers like and dislike. These surveys could include tasting or using products and then filling out surveys with your opinion. There are also websites that charge a fee to become a member, and they have databases full of paid surveys for members to answer to make money.

Sharing your writing, photos, videos, poems, and other material can also help you make money from home. There are numerous websites out there that will pay you to upload these types of material for viewing on their site. There are also websites that will help you market and sell your original material.
No matter which way you decide to make money from home, make sure that you research the pros and cons before you start. It is possible to make money from home in a variety of ways, so find one that works well for you. Each method is different, and requires different levels of knowledge and talent. Finding a way to make money from home that works for you is simply a matter of researching your possibilities and then choosing one.

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1. Discuss Finances Jointly
It’s important for both partners to be on the same page when it comes to money matters. One needs to keep the other informed about insurance policies, mutual funds and other investments. Ensure you assign your spouse as nominee in all investments.
And mostly important, make investments at your early stages.

2. Avoid Splurging.
With two incomes and enough disposable money, one might be tempted to buy the latest gadget or upgrade to a bigger car, but do not be impulsive. Buy only what you actually need and can afford. Buy a car that fits your budget. Your car loan should not exceed 10% of your monthly net takehome pay. Ensure that you have made your savings before you spend your salary.

3. Don’t Ignore Retirement
It’s easy to lose track of retirement planning when you are young. Put away at least 10% of your income for retirement savings. Go for equity funds because you have time on your side. The ultra cautious can go for the PPF, though the returns will not be spectacular.

4. Set Up An Emergency Fund
Always be financially prepared for emergencies. Have at least 3-6 months’ expenses kept aside as an emergency fund. This should include your living expenses, lifestyle expenses and EMIs. It’s a good idea to open a joint account, so that both can have access to the funds in case of an emergency.

5. Buy Sufficient Life Cover
Buy a life insurance cover big enough to replace your income as well as repay outstanding loans. The cover should be at least 8-10 times your annual income plus debt obligations. A term insurance policy is the best form of life cover. Buy online to save on costs.

6. Get The Right Health Plan
Medical insurance is a must. Get a family floater cover of at least `5 lakh for medical needs over and above the medical insurance provided by your employer. Buy a top-up plan to save on costs.

7. Get Your Investment Mix Right
Choose a good mix of debt and equity products. If you are too risk-averse when you are young, you might miss the opportunity to create wealth. Invest in equity funds because you are young. Age-based asset allocation is a good strategy. To arrive at the equity exposure in your portfolio, subtract your age from 100.

8. Don’t Take Debt
One of the biggest temptations for young couples is to buy things on credit. Do not take a loan to spend recklessly on exotic vacations, expensive health clubs and latest gizmos. If you use a credit card, ensure you don’t roll over the credit or pay only the minimum amount due. In no time, the debt may become too big to handle.

9. Buy A House If Below 40% Of Income
Don’t rush into buying. Choose the property after due diligence and if it’s within your budget. If your home loan EMI is more than 40% of your net take home pay it is beyond your budget. Buy the home jointly so that both partners can avail of the tax benefits on the home loan.

10. Start Saving For Child
Ideally, you should start planning your finances for your little bundle of joy a year or two in advance. Most employers offer maternity benefits as part of their group insurance policy. But, it’s good to build a small corpus over a period of one or two years especially for post-delivery expenses.