Bank Of Ireland Salary Certificate: Fill & Download for Free

I once helped a denmark teacher to transfer his salaries to denmark. you should go to the Tax Station to get a taxed certification first. Usually some information about your company is needed, for example the full name of your firm. With the certification,The bank clerk will help you transfer it . If you can not get the certification, you can only transfer can transfer 5000RMB each year to foreign account directly at bank.

Support for Leaving the EU without a DealHere is a map of the % who voted to Leave in 2016 and a map by % of constituency for the Leave the EU without a Deal in March Petition on the petition.parliament.uk website. As you can see they are remarkably similar.For Northern Ireland, as you can see the regions of Northern Ireland closest to the mainland still support Brexit quite highly whereas the regions beside the Republic of Ireland border were before the referendum leaning closer to Remaining in the EU and still are (perhaps slightly more highly) due to the unknown consequences of the border.The UK want trade to remain much the same and the ROI want trade to remain much the same, yet there are complications from the EU26 side…Shared RegulationsThe UK and ROI also have some shared regulations at current. Many of these shared standards differ from continental Europe. Two examples you’ll notice every day are proper plugs and NI and ROI have a shared electricity grid:And driving on the correct (not right) side of the road:Image from Using the road (159 to 203). So in general things designed for the UK market are also designed for the ROI of market. If the EU for example decides to put a high tariff on UK cars and electronics and the British government respond tit for tat it will only make things more expensive in the Republic of Ireland as the two scenariosThe British make more of their own stuff or import from outside the EU, means the Irish have to pay high import tariffs.The British buy less from the EU, the number of goods customised for the UK/ROI go down and become more expensive.Official DocumentationThe UK government has written a Immigration Whitepaper describing how the UK border will be managed and the EU have replied European Union: Rapid Press Release for No Deal. On the Republic of Ireland side, it looks like they had been banking on the fact that the withdrawal agreement would be accepted by the UK parliament which increasingly looks like it doesn’t. They have outlined some contingency plans Government Contingency Action Plan.UK: New Electronic Travel AuthorisationCurrently, non-visa nationals (excluding EEA nationals) only require a passport to enter the UK as visitors, and they have little or no contact with the Home Office prior to their arrival. As a result, they only find out at the UK border whether they are eligible to enter the UK.The proposed ETA scheme is similar to the approach taken by many of the UK’s international partners, such as the USA and Canada. The USA introduced their Electronic System for Travel Authorisation (ESTA) in January 2009 and the ETA became mandatory in Canada in November 2016. The concept of obtaining pre-travel authorisation therefore is a familiar concept to many carriers and passengers.The new border ETA makes it more like Canada, Australia and the United States. However the approach regarding border security is far more likely to be similar to Canada and Australia.UK: Changes to Low Risk OverstayersNationals from the USA, Canada, New Zealand, Australia, Japan, Singapore and South Korea will be allowed to use e-gates to enter the UK from next summer onwards. In 2017, 10.2 million people arrived from these countries and crossed the UK border, constituting over half of all arrivals from outside the EEA.For touristic purposes, the UK is actually opening it’s borders up more to countries the British feel the deepest connections to and/or countries where there is a low chance of the visitor overstaying.UK: Visitors from the EU to UKWe do not intend to require visitors who are citizens of current EU Member States to obtain a visit visa in advance of travel and we intend to allow them to continue to use e-gates to make entry quick and easy. We propose to make binding commitments to this effect in a future mobility partnership, if the EU reciprocates.Tourists will continue to enjoy a generous entitlement to spend up to six months in the UK. Visitors coming to the UK for short-term business reasons will be able, as now, to carry out a wide range of activities, including permitted paid engagements. We will discuss with stakeholders whether these arrangements can be improved to reflect business need.This means for tourism, the border is likely to remain open... It also dispels the mis-information about EU migrants using Northern Ireland as a gate way to get into the UK.EU: Visitors from the UK to EUIt is recalled that the Commission has already adopted a proposal for a Regulation which exempts UK nationals from visa requirements, provided that all EU citizens are equally exempt from UK visa requirements.i.e. both sides have agreed reciprocates these rights as part of “No Deal”.UK: Settled StatusPosition of EU citizens already in the UK During the Implementation Period, we will implement the EU Settlement Scheme. This gives EU citizens already here, and also those who arrive in the UK during the Implementation Period, the opportunity to secure their future residence in the UK. The UK has agreed with the EU on rights for EU citizens already living in the UK and UK nationals living in the EU, to enable them to carry on with their lives broadly as now. The Government is finalising arrangements with negotiating with European Free Trade Association (EFTA) States – Norway, Iceland, Liechtenstein and Switzerland – to bring about similar arrangements for their citizens. The UK has already begun to implement the EU Settlement Scheme through a phased approach, starting with EU employees working in the NHS, social care and higher education sectors. It will be opened to all eligible EU and EFTA citizens by the date of the UK’s departure from the EU. Subject to ratification of the Withdrawal Agreement, the EU Settlement Scheme will be open until six months after the end of the Implementation Period. 10 The EU Settlement Scheme establishes the principle that EU citizens must obtain a specific, individual permission to stay on in the UK after the end of the Implementation Period, in contrast to the position under EU free movement whereby rights are bestowed by EU treaties. The EU Settlement Scheme will be easy for EU citizens, and their third country family members, to access. It has been designed to be fully digital from the point of application. Dedicated links between the Home Office, HM Revenue and Customs, and the Department for Work and Pensions have been created to enable quick searches of employment records, thereby providing a customer friendly system that, generally, avoids the applicant having to provide documentary evidence of their residence footprint. EU citizens’ immigration status will be recorded digitally in a database avoiding the use of cards, as is now the case with the driving licence counterpart, ensuring the individual can have immediate access to information about their current status and enabling them to share it easily with employers and other service providers.Summary of our agreement on EU citizens’ rights (and their family members) for those living lawfully in the UK before the end of the Implementation Period:EU citizens who have been living in the UK continuously for five years will be eligible for settled status in UK law.EU citizens who arrived before the end of the Implementation Period, but who have not been here for five years, will be eligible for pre-settled status, enabling them to stay until they have accumulated five years, after which they may apply for settled status.The Withdrawal Agreement will also allow close family members who live in a different country to join an EU citizen at any time in the future under current rules, if the relationship existed before the end of the Implementation Period.EU citizens protected by the agreement will continue to be able to work, study and establish a business in the UK as now.EU citizens with settled status or pre-settled status to stay may access healthcare, pensions and other benefits and services in the UK, as they do currently.Frontier workers (EU citizens who reside in one state, and work in the UK) will continue to be able to enter the UK to work under current rules, if they started this work before the end of the Implementation Period.Essentially in the terms of no deal, EU citizens resident in the UK for >5 years will be allowed to apply for settled status. Those resident in the UK for <5 years will be allowed to stay for up to 5 years and then apply for settled status.EU: EU ReplyThe Commission has consistently put citizens first throughout these negotiations and throughout its "no-deal" preparedness and contingency work. Today's Communication invites Member States to take a generous approach to the rights of UK citizens in the EU, provided that this approach is reciprocated by the UK.In particular, Member States should take measures to ensure that UK citizens legally residing in the EU on the date of withdrawal will continue to be considered legal residents. Member States should adopt a pragmatic approach to granting temporary residence status. It is recalled that the Commission has already adopted a proposal for a Regulation which exempts UK nationals from visa requirements, provided that all EU citizens are equally exempt from UK visa requirements.As regards social security coordination, the Commission considers it necessary that Member States take all possible steps to ensure legal certainty and to protect the rights acquired by EU27 citizens and UK nationals who exercised their right to free movement before 30 March 2019.The EU have in essence reciprocated.UK: Skilled Workers and Shortage Occupation List (Including Devolved Regions)The new skilled route will include workers with intermediate level skills, at RQF 3-5 level (A level or equivalent) as well as graduate and post-graduate, as the MAC recommended. The MAC recommended retaining the minimum salary threshold at £30,000 and we will engage businesses and employers as to what salary threshold should be set. We have asked the MAC to review the Shortage Occupation List (SOL), including for occupations at RQF levels 3-5. They will report in spring 2019. Scotland already has a separate SOL and we will also invite the MAC to compile a such a list for Northern Ireland and consider whether the composition of the SOL needs to be different for Wales.At present, we have a dual system of admitting only highly skilled workers from outside the EU, and workers of all skill levels from the EU. We will replace this with a single route which gives access to highly skilled and skilled workers from all countries. Those coming to the UK on this route will need an employer to sponsor them. We propose to allow individuals who meet the requirements to bring dependants, extend their stay and switch to other routes, and in some cases, settle permanently.The current system for non-EU work migration imposes controls through minimum skills and salary levels, a cap on numbers and the need to test the availability of local workers before recruiting abroad. The proposed new route will include a number of significant reforms aimed at ensuring that our immigration system supports a flexible labour market, and that overall the burden on businesses is no greater under a single system which includes EU migrants.As recommended by the MAC, we will not impose a cap on the numbers of skilled workers, to ensure the brightest and best who wish to come to the UK may do so, and employers have access to the skills that add most value to the UK economy.Employers should not be using migrant labour to put downward pressure on wages where there is a ready supply of labour. However, the MAC found that the resident labour market test does not offer such a protection, instead serving in practice as a delay in the process, while protection is provided by payment of the Immigration Skills Charge (ISC) by employers. In line with their recommendation we will therefore no longer require employers of skilled migrants to carry out a resident labour market test as a condition of sponsoring a worker.The UK will treat EU and non-EU workers as equal and have began stream-lining these visa procedures. UK employers will also have to apply a few for employing a non-UK citizen over a UK citizen (ROI excluded).UK: Low Skilled WorkersThe MAC also recommended there should be no dedicated migration route for skills below the NQF3 level (low skilled and unskilled), other than through the Youth Mobility scheme and possibly through a seasonal agricultural workers scheme. The Government accepts the thrust of the MAC’s analysis and recommendations, though there will, on a transitional basis, be a short-term workers route.A Youth Mobility Scheme for migrants aged between 18 and 30, from countries with which a YMS is agreed, allowing people concerned to enter and then look to enjoy the social and cultural aspects of living in the UK for up to 24 months, but they may also choose to work.Existing temporary routes open to non-EEA nationals, which may also be extended to EEA nationals – Government Authorised Exchange, Charity Workers, Religious Workers, Creative and Sporting Workers, International Agreement.The UK will in essence treat add all EU countries to the youth mobility scheme where youth can apply 1 for 1 year for work experience/unskilled labour.UK: StudentsEEA students coming to study, other than for very short periods, will have to demonstrate the same eligibility requirements as current non-EEA students do, and be subject to the same rights whilst studying and to poststudy work; • Both non-EEA and EEA students studying at postgraduate level, or studying at undergraduate level at an institution with degree awarding powers, will be given a post-study leave period of up to six months in which to gain work experience or look a skilled job in the UK, while those who obtain a PhD will have a 12-month period;Short-term EEA and non-visa national students can come to the UK for up to six months within the visitor or short-term study system126 or on shortterm study visas for English language courses lasting more than six and less than 12 months; andContinued participation in the ERASMUS programme and its successors, if agreed as part of the mobility framework with the EU.The UK have stated they want close participation with EU universities including participation with the Erasmus program. Those who want to study will need a visa and so far no Universities have stated they are going to treat EU students as different to British ones in regards to tuition fees. This may change in the future though. There will also be a period of time for those with UK degrees to seek work. It is possible that since they have added Canada, Australia, New Zealand, USA, Japan, Singapore and South Korea that they will look for similar opportunities with these countries.The UK as a Land BridgeThere is a high level of trade between the UK and the ROI, so for most things regulations will be the same. Publicly no preparations have been made by either the British government or the Republic or Ireland government regarding trade.The shipping lines for the UK and ROI are also highly interlinked:Map from:https://come2ireland.com/index.p...ROI: The UK LandbridgeThe landbridge is the term used to describe the route to market that connects Irish importers and exporters to international markets via the UK road and ports network. It is a strategically important route to market for many Irish importers and exporters, especially for short shelf life products, and is primarily used for roll-on roll-off traffic.The aim of this work is to ensure the continued effective and efficient use of the landbridge. As a crucial first step the EU has agreed that the UK may join the Common Transit Convention upon its departure from the EU, and a number of formal steps were taken to allow this to happen on 4 December 2018. The UK’s accession to the Common Transit Convention will play an important role in ensuring access for Ireland’s goods in transit to other EU Member States via the UK landbridge coupled with a regulatory regime underpinning the movement of vehicles through a third country.International road haulage plays a critical role in facilitating Irish economic activity. Current rights to carry out international road haulage into and via the UK are grounded in EU legislation, notably the Community Licence. Ireland, along with other Member States, had previously identified this as an areas of significant concern, as in a no deal scenario road haulage between the EU and UK would be severely restricted and limited to an international system of limited quotas (ECMT). The European Commission, in its latest communication of 19 December, is now proposing to adopt a measure to ensure basic road haulage connectivity. In summary, the EU would ensure basic connectivity by allowing UK hauliers’ access to the EU, on the understanding that measures would be put in place to allow EU haulier’s access to the UK.ROI: Response on TransportMany of the actions aimed at mitigating the effects of a no deal outcome will be taken at the EU level as they involve areas of EU competence and sectors regulated by EU law. The EU has already published 81 sectoral notices with detailed guidance on planning for a no deal Brexit. These contain important information and guidance across a range of sectors and are a source of advice for operators, businesses and regulators.In the case of a no deal scenario, goods entering the EU from the UK will be treated as imports from a third country and goods leaving the EU to the UK will be treated as exports. All relevant EU legislation on imported goods and exported goods will apply, including the levy of certain duties and taxes (such as customs duties, value added tax and excise on importation), in accordance with EU commitments under the rules of the World Trade Organisation. The need for customs declarations to be presented to customs authorities, and the possibility to control shipments will also apply sanitary and phytosanitary (SPS) requirements for third countries will also come into effect.The Government is committed to working with the European Commission and our EU partners to ensure that any potential disruption to connectivity as a result of necessary additional checks and controls is kept to a minimum. At the same time, Ireland is committed to protecting the integrity of the Single Market and Customs Union, membership of which is a core element of our economic strategy and has been good for Irish business.Along with all other EU27 Member States, the Government has participated in discussions dealing with a range of issues including financial services, transport, citizens’ rights and social security, professional qualifications, customs and border controls, taxation, fisheries, climate and the environment, industrial goods, police and judicial co-operation, data protection and digital and telecommunications. Government officials have also held bilateral discussions with the EU institutions on issues that are particular priorities for Ireland – for example, the landbridge, road haulage, controls at ports and airports, energy, medicines and data.If the Withdrawal Agreement is not ratified, air traffic between the EU and the United Kingdom will be interrupted as of the withdrawal date. The Commission has today adopted two temporary measures to avoid full interruption of air traffic between the Union and the United Kingdom and to ensure basic connectivity:  A proposal for a Regulationv to ensure temporarily, for 12 months, the provision of certain air services between the United Kingdom and the EU27 Member States, allowing air carriers from the United Kingdom to fly across the territory of the Union without landing, make stops in the territory of the Union for non-traffic purposes, and perform scheduled and non-scheduled international passenger and cargo air transport services. This is subject to the United Kingdom conferring equivalent rights to air carriers from the Union, as well as to the United Kingdom ensuring conditions of fair competition.  A proposal for a Regulationvi regarding aviation safety to extend temporarily, for 9 months, the validity of certain existing licences, to address the specific situation in the aviation safety sector where the European Union Aviation Safety Agency (EASA) can only issue certain certificates on the basis of a licence issued in a third country, while the 75 United Kingdom can only issue licences as of the withdrawal date, when it has re- gained the status of "State of design". Only EU level contingency action is necessary and possible to ensure the required legal framework to avoid the abrupt interruption of activities in the area of air transport18. Additional national measures are not necessary.Essentially as part of the EU27 they are subjugated to the EU27 rules.EU: EU Response on TransportThe Commission has today adopted two measures that will avoid full interruption of air traffic between the EU and the UK in the event of no deal. These measures will only ensure basic connectivity and in no means replicate the significant advantages of membership of the Single European Sky. This is subject to the UK conferring equivalent rights to EU air carriers, as well as the UK ensuring conditions of fair competition.A proposal for a Regulation to ensure temporarily (for 12 months) the provision of certain air services between the UK and the EU.A proposal for a Regulation to extend temporarily (for 9 months) the validity of certain aviation safety licences.The Commission has also adopted a proposal for a Regulation to allow UK operators to temporarily (nine months) carry goods into the EU, provided the UK confers equivalent rights to EU road haulage operators and subject to fair competition conditions.In essence as close to business as usual as possible.EU: EU Response on TradeIn a no deal scenario, all relevant EU legislation on the importation and exportation of goods will apply to goods moving between the EU and the UK. The Commission has today adopted the following technical measures:A Delegated Regulation to include the seas surrounding the UK in the provisions on time-limits within which entry summary declarations and pre-departure declarations have to be lodged prior to leaving or entering the Union's customs territory.A proposal for a Regulation to add the UK to the list of countries for which a general authorisation to export dual use items is valid throughout the EU.It is essential, however, that Member States take all the necessary steps to be in a position to apply the Union Customs Code and the relevant rules regarding indirect taxation in relation to the United Kingdom.In essence as close to business as usual as possible.How will Such a System Work?Likely there will be some system in place, linked to NI numbers, UK bank accounts and a government policy when it comes to buying/renting property. My guess is the EU will respond in a similar manner especially as there are less UK citizens in the EU than EU citizens in the UK for all EU countries except Spain.The biggest concern will of course be if this creates an incentive for people “visiting the UK” and living and working illegally. I haven’t seen any policy outlined for this.

All of the below tips and habits will make you richer (if not necessarily wealthy). Habits compound—like money in a bank account—so the longer you stick with them, the better your results.I. Work on your attitude.Seriously, it will provide more benefits and more hard cash in your pocket than any technical tips. We are programmed by our social environment to think all sorts of strange things about everything. If you were lucky and you had the right social environment, you would believe good things about possessing and managing money and those beliefs would make you richer.Most of us, unfortunately, got crappy programming. Even today, schools are doing very little to change this (kids are taught tons of facts, but there is not a single lesson in the curriculum about how to save money).Advantageous beliefs and habits:1. Debt is your enemy.Debt compounds like the interest rate on your savings compounds. Uncontrolled, it will eat your finances alive. Controlling this consumes so much of your brainpower and mental energy that it's best to avoid debt altogether, as a principle.It's hard to put debt-avoidance in the context of habit, it's rather what you DON'T do: you never ever borrow money.2. You are responsible for your net worth.Not your daddy, not your boss and not your wife (yeah, I know she loves to spend, my wife loves it too; still, take the full responsibility). If you don't accept this belief, everything that regards your money "just happens" to you. Control over your cash flow is in most cases just an illusion (for example a car accident can wreck your vehicle, your body, your career and finances), but it's a necessary illusion, so you will act proactively to grow your wealth. Nobody will replace you at this job.3. Be grateful.And be grateful about more than merely your material possessions or the level of your salary. Be grateful for everything. William W. Wallace, the author of "The Science of Getting Rich", prescribes gratitude as the way to stay in touch with a mystic element of the universe that provides abundance (his theories were a precursor to The Law of Attraction, ideas which were more sensible than the modern versions).Science confirms that when the brain is positive, every possible outcome we know how to test for rises dramatically. By "every outcome" they meant also net worth, savings, salary levels and chances for career advancement. And gratitude is a shortcut to making your brain positive.A relevant habit: write down every morning three new things you are grateful for.4. Pay with cash.In the era of plastic money, we have a tendency to not see money as real... till it is too late and reality is biting you in your rear. Credit cards provide the illusion of abundance when in fact each use of plastic money moves you further toward poverty. To avoid this trap, pay for everything in cash. When you hand your cash money to someone else, it has a real feel. Your mind will not be lull into airiness.A nice piece of belief is this: "If you cannot buy an item with cash, you cannot afford it." You should never take a loan if you don't have enough cash stacked to buy the item in cash in the first place.5. Track your expanses.Track all of them. I note down a sum when I buy bread or a bread roll. I register every single cent that goes out of my pocket in an Excel sheet. This discipline makes me more disciplined when spending money on anything.The habit of tracking expenses provides you some much needed awareness of where your money goes. Carelessness and ignorance are the allies of poverty. Impulse spending will decrease significantly when you have to register each of your impulses on paper.6. Keep the company of rich/frugal people.Attitude is contagious. When you spend time with people who wisely manage their money, you’ll become better at this yourself.Of course the ‘example’ is more effective when they actively mentor you, give you advice (and you actually take action to implement it). But being around them is the basic requirement. Your copying mechanisms will work even in the background, it's how people are wired, and it’s how children learn life.This activity may be easily habitualized. Simply find an appropriate group of people and engage with them on regular basis. Play sport with them, volunteer with them or attend church services. Absorbing attitudes from others works better offline, but it works online too. If you cannot think of an opportunity to find such people in your neighborhood, find them in Facebook groups or forums.II. Work on yourself."Work harder on yourself than you work on your job" - Jim RohnYou are responsible for your net worth, so you need to take care of your most precious asset: yourself. This ‘taking care of yourself’ takes different forms and for some people is more required in one area than in others. But it's hard to get rich, satisfied and happy, if you neglect any of them.1. Spirituality.You need an underlying theme for your life: a goal, vision or meaning. Well, you need it if you want to be richer. Otherwise you will waste loads of mental energy on struggling with the overall sense of your existence. You know, if life makes no sense, what sense is there getting richer? Religion may be an answer for you (it is for me), but I don't have just the ‘afterlife’ in mind. You must resolve for yourself individually the eternal dilemma of humanity: does my existence have meaning or not?Searching for your purpose and following it once you’ve found it can be habitualized. Journaling or prayer make good disciplines if you are looking for your life’s meaning. And once you get it, you build your life around it.Every day, I repeat my personal mission statement in my mind. It's my compass that keeps me directed toward my purpose. A big part of my life meaning is writing, thus I write about 1,000 words a day.2. Health.Exercise regularly. Eat well. Sleep well. Avoid stress."Well" may mean something else for you and me. Define ‘well’ for yourself. I know people who avoid this food or that food, or who are vegans. I eat everything and I'm still doing well.We’ve all heard that broad, sensible advice, but so very few follow it. Develop appropriate habits: exercise, eat vegetables, drink more water, go to sleep earlier, meditate. Perform them every day.When you are healthy, you are capable of more. You also don't waste time and money because you need to meet with doctors and buy medicines. I’ve only spent about $30 on medicines in the last 4 years. However, I have all those healthy habits firmly in place.3. Education."Formal education will make you a living; self-education will make you a fortune." - Jim RohnJim was right.I cannot attest about "fortune" (yet!), but I’ve doubled my income in the last four years and it has been a massive learning curve. You cannot stop at what you learned at school.Increasing your value doesn't end with gaining some technical skills or knowledge. Last August, I changed jobs and got a new salary about 35% higher. I’d got a couple of professional certificates and that was part of the reason I could ask for a higher salary—and get it—but mostly I was more self-confident. I’d overcome my shyness and I was feeling and acting much more easy-going during the job interview.Read every day. Listen to something valuable (audiobooks, podcasts, audio programs) every day. If it's your thing, watch videos (e.g. TED talks). I hate video, but each time I’ve forced myself to watch a TED talk I always end up a bit wiser). Accept the fact that you will be learning your whole life. That's how you increase your value.III. Work on your money habits.A few habits I mentioned in #I (paying with cash, tracking expanses) could qualify here as well.1. Learn to save money.a) Pay yourself firstThis was the saving lesson that contributed most to my financial situation. For years I struggled with amassing money. Then in autumn 2012 I read "Start Over, Finish Rich" by David Bach and learned about the importance of paying myself first. I started very timidly, from $60 bucks, about 3% of my income. In a few months I grew that to about 20% and never looked back.You may think about yourself as frugal, a good money manager. I thought that about me. I had been keeping budgets for about 3 years at that time. Even so, the simple act of reserving my own money and not spending it, fixed most of my money problems. All I did was use a savings account.If you have no money to spend, you simply don't spend any.Decide on a fixed amount or percentage of your income to save. Then, as soon as the money lands in your account, transfer the savings to an account that is not easily available. I do that with every buck I receive. It works.b) Don’t dip into your savingsThat was another reason I never could stash away my 'rainy day' fund: there were always some urgent issues we absolutely had to spend our money on. Buying our first apartment, then furniture for it, then our first car, then the car's repair after I hit a tree, vacations in Ireland where my parents live, buying our first house, its furniture, renovating it, buying a second car...Unfortunately, it was always my wife who was a driving force behind all those 'necessary' expenses. In the end I decided to keep her in the dark about how much money we really had.In my mind, our various funds are devoted for various goals and I never touch them for any other reason. And they are out of her mind, because she doesn't know about them. Hence, in March this year our savings once again equaled zero (after renovating our home), but at the end of December we have in savings sum equal to five month’s salary.c) Save excessI achieved most of this ‘rebuilding’ feat by stacking away the excess. There are different strategies for that. Brian Tracy said you should always save 50% of every salary raise or additional money you get. Jeff Olson, a millionaire whose book set me on the life change path, kept his budget at $4,000 till he grew his fortune and was comfortable with increasing the household budget.I use a combined approach. I have a fixed budget for necessities: bills, food, clothes, medicines, etc. I don't allow a dime over this budget to be spent on such things. In fact I save, donate or reinvest 56% of every additional dollar over my budget. I use the remaining 44% for various objectives, but they are never connected to everyday consumption.It happens often that I use that money for savings as well. Almost every month I use at least a small chunk to pay off a bit of my mortgage. The rest goes for things I would not have bought normally: bikes for my family, better mobile phone, Kindle paperbacks and similar items.2. Pay bills and taxes on time.This goes back to point I.1. If you don't pay your bills and taxes on time, you just incur another kind of debt. You will have to pay these things anyway, but most likely there will be extra fees if you are overdue.3. Be aware of your cash flow.Part of it is knowing where your money goes. If you don't track your all expenses (point I.5), you should at least know the main points: your monthly payments, your loans, rough food spendings estimation, household maintenance etc.But part of it is knowing where your money comes from, too. You'd be surprised, if you ask around, how many people don't know how much they earn from various sources. It's quite simple when you have a stable paycheck, but even a regular paycheck still fluctuates, especially if there are bonuses or commissions involved.Most people have a vague idea how much they earn, but very few people know the exact amount every month. Some may know their salary pretty well, but have no clue how much child benefit they receive. But every incoming cent counts.I recommend to track your income as well as your expenses. It's especially important if you start any additional activity. Nowadays, my family has 8 sources of fairly stable income: my wife's salary; my salary; my Kindle and print books royalties; my coaching fees; royalties for foreign translations that are paid a few times a year. I register them all to the last cent.4. Consolidate your debt.Most people have debt, despite the fact that it's very unwise. Most people also have no idea that they can consolidate their debts. The more debt sources you have, the more probable is that you can merge few of them and get better conditions. Educate yourself. Call your bank. Ask friends if they ever consolidated their loans and how to do it. Everything can be re-negotiated, starting from your short-term consumer loans and finishing at your mortgage. You should redirect the surplus you will achieve into paying off your debt of course.IV. Live frugally.The key to getting richer is spending less than you earn. That way your surplus has a potential to grow steadily. If your income is smaller than your expenses, you are getting steadily poorer. You are always on one side of this equation and you should do everything in your might to be on the right side.1. Control your bills.Do you know how much you pay for energy? Water? Gas? You'd better know!Knowing the bottom line you can proactively decrease your bills. Use installations that save water. Check your energy expenditure. A significant amount of electricity can often be saved with minimal investment. I changed all the lights in our home to LED ones and it saved me about 10-20% of our monthly energy bill.2. Negotiate your deals.Do you know how much you pay for cable TV? Your mobile? Internet? You'd better know! And you'd better negotiate those deals. Depending on the competition in your country, it may be as simple as calling your provider and blackmailing them that you will go to their competitors. If it's not so easy to change or reduce your current terms, just be careful when you sign the next contract.In my village I use wireless LTE Internet and there are only 3 national providers who offer it. I spent several hours reading their offers, visiting their stores, borrowing their equipment and testing it. In the end, I saved only about $1 a month, but the deal I got is so much better than I had previously! The speed of my network connection doubled and I have no limits for data. (The previous contract had a 30 GB cap, after which connection speed decreased to a snail's pace).3. Buy used stuff.The obsession of modern culture about new stuff is downward dangerous. The only advantage of new over "old" is the producer's guarantee and in most cases that is pretty useless. Ask anyone who has tried to complain about faults in their shoes.I have a 7 year old vacuum cleaner. Its plastic sucker broke, but it's working fine after the application of few feet of duct tape.One of our cars has run for 18 years. The other has run for 19. They perform their functions, they drive. Why would I need a new car ten to twenty times as expensive?I bought used Lego sets for my daughter’s Christmas gift. She was delighted. She had dreamed about such sets for a couple of years. I paid 25% of the new set's price.4. No impulse purchases.Never ever buy something when you feel like you want the thing so very much. Take a break. Go out of the shopping mall. Close the browser. Go back to the purchase after a week or so. If you still feel like buying the item, now it's the time to do it. If you buy under the power of impulse, usually it's due to marketing buzz, not a real need behind your decision.5. Wait for opportunities.If you know that you will need some more expensive items, take your time and hunt for discounts. Remember my vacuum cleaner? The adhesive tape will only work for so long. We will eventually buy a new machine, but we will wait for a fair price.In respect of any purchase, if you wait long enough—if you can afford waiting—you will get more for your money. Wait for Black Friday sales if the need is not urgent. There is so much competition in retail that you will get a hefty discount every time you wait a few months before making any purchase.