Finances are often an unpleasant part of life.

Profits should be protected and reinvested as capital in the business. Set a rule for what profits you keep as profit and what profits go into capital.

Restaurants in popular tourist areas and hotels will overcharge you, so find out where the locals eat.The food in local restaurants will taste better and less too.

In these times, it’s best to have multiple savings plans. Put some money into a standard savings account, more in a checking space, accounts yielding higher interest, and even gold. Use all or some of those ideas to …