10 Things to do before 2015 ends

Salary, loan, card, finance – have these words been buzzing in your ears throughout 2015? Don’t worry! You have got a solution to get rid of financial tensions. To achieve it, you have got 10 things to do before the year ends: 1. **Prepare an expenditure report**: Categorize expenses made in 2015 to cut down unwanted costs in 2016. 2. **List payables**: List EMIs and loans to understand essential savings needed for 2016. 3. **Consult experts**: Start savings for kids or retirement with Octopus Loan. 4. **Classify income/savings**: Classify income from family members to handle emergencies. 5. **Goal setting**: Planning a new house or car? Choose the right financial advisor. 6. **Study market trends**: Evaluate market fluctuations and learn from financial experts. 7. **Understand interest rates**: Throroughly analyze fixed vs variable interest rates. 8. **Think carefully**: Finance is a serious game; think multiple times before decisions. 9. **Tax returns**: File your tax statements and returns on time. 10. **Document safety**: Maintain a safe place to record all your documents. ### Conclusion The most common mistake people commit is the lack of knowledge. Learn simple ABCs of finance and consult with experts to ensure a stable future.