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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.

  • Własna energia
    Za pomocą paneli fotowoltaicznych jestes w stanie wytwarzać prąd na własne potrzeby i tym samym zredukować rachunki za prąd nawet o 90%.
    Promieniowanie słoneczne jest w stanie docierać do paneli nawet w pochmurny dzień co sprawia, że energia stale będzie dostarczana do . 
    Ponadto wyprodukowane nadwyżki energii są magazynowane, a następnie wykorzystywane podczas pory zimowej, 
    gdyż zimą słońce jest oddalone od ziemi, a dni są znacznie krótsze.

  • Technologie energii słonecznej przekształcają energię ze światła słonecznego w energię elektryczną, albo bezpośrednio przez fotowoltaikę, albo pośrednio przez skoncentrowaną energię słoneczną, lub przez połączenie obu.

    UE jest liderem w rozpowszechnianiu energii słonecznej i podjęła istotne środki w celu zwiększenia absorpcji na rynku i uczynienia technologii słonecznych bardziej dostępnymi dla konsumentów, w szczególności dzięki pakietowi Czysta energia dla wszystkich Europejczyków.

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.