there are Few things stressed out as much as monetary problems. If you need to constantly think about, enough money to all mandatory spending, it makes sense to look at their own economic situation with a critical eye.
And even if major problems had not, it is a new year, always a good place to go through spending and consumption habits and make any changes.1. Combine a small loan,
This tip is very important if you have several loans, consumer credit or hire-purchase, where you shorten a monthly basis. Pienlainoissa is often surprisingly high interest rates, so the more the smaller the loan, the costs will be relatively more expensive than one larger loan shortening, which will also pay only one loan hoitokulut.
Instabank is a Norwegian electronic means servant of the bank, whose most popular product is the just refinancing to take out a loan. Many finns have already received it with the help of reduced monthly expenses in the tens, even hundreds of euros.
consolidation loan have you can acknowledge the old debt, and pay future only one, larger and matalakorkoisempia loan. It saves time and nerves, and most importantly, you're left with a month more money to use.2. Book expenditure up
a Good way to start economic setting up, it is record expenditure, for example, months. This includes, of course, mandatory living expenses, loans and bills, but also all the big and small purchases, hobbies and food store and restaurant costs.
When you see concretely where your money is going, you will be easier to think about where you could give up, so that your economy stays better under control.3. Pruning of small things
the Small, daily or weekly spending can unnoticed make a large cutout in the budget.
Three euro breakfast bread jobs in the cafeteria every weekday can feel like a small investment, but makes a month up to 60 euros. The same is true of take-away coffee or a bottle of water, when with a little effort you could make coffee at home or fill a plastic bottle with tap water.
we Live in a disposable society, where it is easier to buy a new sweater on the cheap than to maintain the old so that it remains good for as long as possible. When you want to buy something new, the first cabinet through and think about whether you need it really.4. Make yourself a budget
When you get into more detail there about where your money is going, make yourself a budget. Calculate how much money will be left for you after you paid the mandatory expenses, bills and loans. Also estimates how much money goes on food and other necessities.
When sharing the remaining sum of four, get the orientation week budget. It is also good to leave some money aside for unexpected expenditure in case.5. Take a loan consider
Almost everyone had to take his life during a loan for larger purchases, which are not able to pay at once. Loan taken so don't be afraid or ashamed of, but it must be justified and prudent.
you Should also pay attention to where the loan or credit applicant, for the grant between players can be large differences, for example, interest rates, conditions and service charges.
applying for a Loan Instabank is easy and reliable. This is mainly through the network to electronically serve the banks, which focus their resources on their customer-oriented service. You can get Instabank service personal service easily and flexibly via the web, email and telephone.
instabank of you get a competitive interest rate, and you can choose either an ordinary annuity loan or a flexible credit where you can actually define how much you shorten the loan from a month.
loan the application instabank's website only takes a few minutes, and the initial loan offer you can usually immediately. You can apply for a loan here. The loan application need not cost you anything and you get to decide whether to accept your loan offer.
Check loan calculator, how much you can save by combining small loans and credit.