When you have multiple accounts at one bank that you rarely use and have a minimum balance amount, unfortunately, every month the bank always imposes administrative costs are high enough so that eventually you become a minus balance and charged to your address. How best to treat the account is disabled? As the name implies, a non-active accounts, meaning the account is no longer maintained. However, before closing, you need to ensure that this account was actually disabled, as well as no specific payments are automatically debited from the account.

When it was clear that this account was actually not used anymore, visit the bank branch where you opened the account and make immediate closure of accounts. There are forms that need to close your account contents. Give reasons for this closure, cancel all related facilities on the account and return the ATM card or other card if any.

This closure is necessary because if the non-active accounts allowed, would erode the remaining balance due to administrative costs or penalties due under the minimum balance is kept charged. In addition, there will be a new problem if you lose your ATM card because you still need to make a report. You certainly are not comfortable if you continue to call or sent letter to reactivate the account. If you still want to use another account for a particular need, try and keep the contents of these accounts with balances over the minimum.

Income rose always counterbalanced by an increase in expenses, not infrequently even increase their spending even more. Because of that, no matter what your income increases, never more shall feel when you are automatically also raise the level of everyday life.

Logically, a pure salary increase is 20% for the absolute additional investment, of course, if your expenses do not change. However, if you also want to enjoy life while increasing portion of investment, wages should be shared equally by increasing the expenditure in proportion (20%). That is, the portion of your investment allocation must rise 20%.