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With the extension of ‘Running Account’ facility, mismatches are likely to occur for a longer period involving cost to the banks.Banks may charge the exporters the funding cost, if any, involved in absorbing mismatches in respect of the prepayment beyond one month period.Free online tools (like and Personal Capital) or spreadsheets like those found in the Wiki's Tools page can help you track your expenses. An emergency fund should be a relatively liquid sum of money that you don't touch unless something unexpected comes up.Once your budget is figured out, you need to figure out what your goals are. Unexpected travel, essential appliance replacement, and sudden medical procedures are all user-submitted examples of emergency funds in action.To avoid these unforeseen financial crises everyone invests in different instruments that can fetch extra income.There are many options available in the market that can be classified as risky and non risky.

Fundamental to a sound financial footing is knowing where your money is going.This incorporates general guidance found in the PF Wiki and that is given often by /r/personalfinance regulars.If you have suggestions about this article, please message the moderators.Budgeting helps you see your sources of income less your expenses.You should minimize your expenses to the extent practical - housing costs, utilities, and basic sustenance are harder to eliminate than "entertainment," eating out, or clothing expenses. We'll get to specifics on how to save for these a little later on.

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NB Self-build homes and the conversion of non-residential buildings into dwellings may qualify to reclaim the VAT paid on eligible building materials and services.

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