Direct online payday loan lenders -Our direct lenders are standing by

People with low incomes often face a lack of money. This is especially noticeable for unplanned expenses that have not been included in the household budget. The purchase of new equipment, car repair or the need for repair are just some of the situations in which a larger sum needs to be made. The solution to the problem of lack of savings can be payday loans for everyone, granted on a simplified basis.

Our direct lenders are standing by

What does the universal payday loan offer look like?

Direct lenders like paydayloanhelpers set themselves the rules on which they borrow money. However, most offers are similar and differ mainly in the maximum loan amount and the loan period. Payday loans are usually granted for 30 days, although you can also find offers with a 60 or even 90-day loan period. During this time, the entire debt must be repaid in order not to be exposed to additional costs calculated to the basic amount. The universal payday loan offer allows you to borrow relatively small amounts. In most cases it is 3000 – 5000 PLN. An alternative to such products are installment loans , which are comparable to traditional bank loans. Thanks to them, you can apply for funding of up to PLN 10,000, spreading the repayment over a longer period, which makes it easier to settle the liability.

Payday loans for everyone – without checking the bases

Non-bank products are most often used by people who, due to their unfavorable credit history, cannot apply for a bank loan. The main obstacle is checking in the available databases of debtors, which may contain negative information about unreliable liabilities. Payday loans for everyone without BIK are products granted regardless of credit history. It should be remembered, however, that in order to receive another loan, you must settle your previous debt to the company. The matter with installment loans looks slightly different, as it is a long-term commitment, so you have to take into account the possibility of checking data in available databases.

Payday loans for the unemployed and the indebted

Payday loans for the unemployed and the indebted

A large group of clients of loan companies are people who do not have permanent employment and are struggling with debt. Such clients have no chance for financial assistance from the bank, as these require a certificate from the employer and a flawless credit history. Formally unemployed people often make a living from other sources of income, such as social benefits, rental of real estate and even illegal work, which can significantly exceed the average earnings in the country. Payday loans for the unemployed and indebted are granted on the basis of the declaration included in the application, in which the lender himself informs his source of income. You do not need to provide additional documents confirming the facts, because you only need proof to take a loan. Payday loans for anyone without debtors’ bases are often the only lifeline for people who want to get out of the spiral of debt, but lack the funds to pay their outstanding debts.

Payday loans for pensioners

Older people are a group of high-risk clients for banks, due to low retirement benefits, which may not be enough to repay the loan. Non-bank companies, on the other hand, willingly lend money to such clients, because they usually fulfill their contract solidly and watch over repayments. Quick loans are available up to the age of 70, so the age criterion is not an obstacle to receiving financial support. There is no need to provide additional certification as retirement and disability benefits are a source of income taken into account by the lending companies. Payday loans for pensioners are most often provided for taking medical expenses and holiday expenses, which is invaluable financial support for seniors.

Payday loans for students

 Payday loans for students

Loan companies are reluctant to grant loans to young people who have not yet developed a credit history and a stable source of income. For this reason, easy payday loans are only available from the age of 20, when a young person can be more financially stable and wiser in managing money. Payday loans for students are provided on the basis of the source of income from weekend work, tutoring or student loan, without the need to provide additional certificates . It is worth mentioning that a timely repaid loan allows you to build a positive credit history for the future, which makes it easier to get a bank loan for a larger amount.

A quick loan for everyone via the internet

 A quick loan for everyone via the internet

Payday loans are addressed to everyone not only because of the low requirements for customers, but also a simple credit process that everyone can handle. Even older people who are not computer literate should not have a problem submitting their application. A quick loan for everyone via the internet is limited to setting up your profile on the lender’s website and completing the form with your ID details. Installment non-bank loans are granted on the same terms, the only difference is in determining the number of payments during the loan period.

Easy payday loan or installment loan?

 Easy payday loan or installment loan?

It is worth remembering that the entire payday payday must be repaid within a specified period in order not to be exposed to unpleasant consequences. In the case of small amounts, this should not cause problems, however, it is difficult to imagine a refund of 3000 PLN within 30 days. A quicker installment loan is a safer form of financing. This does not mean that you have to immediately apply for high amounts, because the non-bank company allows you to borrow PLN 500, divided into smaller installments. A longer loan period does not burden your household budget so drastically. You just have to remember to settle the outstanding balance in advance to receive a positive decision in granting the loan.

How To Stop Spending Money You Don’t Have

 How do you stop spending money you don’t have?

How do you stop spending money you don

There are many ways to spend money and how much you spend. There are people who go shopping on payday, others pay bills or save money. Often people spend money even if they are not or relatively small.

Spending money

Spending money

Don’t borrow or waste your money! You have to understand what you don’t use so often.

Many spend money on a gym subscription, but go out relatively rarely.

Change your spending habits! Try to stop smoking and you will not have to buy cigarettes. Don’t eat between meals and avoid ordering meals online.

Pay for your purchases in cash and reduce your credit card usage. This will help you effectively control your daily spending.

Make a personal budget plan and stick to it!

Make a personal budget plan and stick to it!

Calculate the minimum required funds for food, utilities, transportation and other needs. Try not to exceed it! This way you will easily understand who is spending the most and what you can improve.

If necessary, seek the advice of a financial advisor.

Be responsible and know your rights

Be responsible and know your rights

Make monthly savings, transfer part of your salary to your savings account.

Find out what taxes you pay to the State Revenue Service. Latvia has various tax incentives. Use your rights and get some money back!

Pay your bills on time! This way you will manage your finances and avoid creating debt.

Looking for alternatives

Looking for alternatives

Alternative Things Can Save You Money! Change your habits and reduce your spending!

Not using a car, but walking to work or using public transport.

Use library services or borrow books from friends, don’t buy them at bookstores!

Read the latest press on the Internet rather than in print. Save nature and save money! Free versions of most popular newspapers and magazines are available online.

Shop smart

Shop smart

Find stores that are cheaper than regular shopping.

Take a look at the market offer! Buy vegetables, fruits, meat and other goods on the market.

Go early in the morning or half an hour before the market closes. During this time, sellers are trying to sell non-traded goods as quickly as possible. Visit the night market where you can buy vegetables and fruits in bulk. Prices there are significantly lower than in supermarkets. This will help you save money and use higher quality products in your diet.

Rest is profitable

Rest is profitable

Don’t deny yourself the joy of traveling! Buy last minute travel deals.

Make a timely purchase of airline tickets! Carefully follow airline specials and promotions.

Attend a variety of free events: museum tours, concerts, exhibitions and theater performances.

Have a picnic in the open air at the restaurant. Go to the movie in the morning instead of late at night. Save money on other things and needs!

Take care of your growth

Take care of your growth

Attend courses paid for by your workplace. Improve and learn new skills for free. It will be a valuable investment in your career!

Looking for additional profit opportunities. For example, providing consultant or tutor services.

Borrow from a trusted credit institution

Borrow from a trusted credit institution

Even if you are frugal and follow your budget plan carefully, you may incur unexpected expenses and need money. What to do in these situations?

If you have a solid monthly income, take a look at our offer! Consumer loans are easy to apply. They will be useful for buying a car, paying for medication, repairing an apartment or home.

Make borrowing wisely, read the terms of the contract. Borrow only if you clearly know your repayment options!

Renegotiate and buy back a loan buyback

Making a second credit redemption allows you to benefit from a better rate or a smaller monthly payment. A repurchase redemption is generally due to an unfavorable income evolution, which was not foreseen at the time of the first loan consolidation. To buy back a repurchase of credit, it is necessary to appeal to banks and specialized brokers. Here are our solutions.

Renegotiating a repurchase of credit is sometimes a real fight! Ongoing credit redemption will mostly depend on the type of credit surrender to restructure. It’s not the same if you are renting free, renting or owning your home… It’s not the same thing either if you want to save yourself from over-indebtedness, or if you want to invest in real estate.

Here, it is a person who had to renegotiate his mortgage, following the dismissal of his spouse. Guarantee a loan with a mortgage

Ideal conditions to make a redemption repurchase of mortgage:

Ideal conditions to make a redemption repurchase of mortgage:

  • To own your home
  • Your current credit redemption must be more than one year old
  • Do not have too many new credits
  • Do not have a late payment on his credit redemption in progress

These conditions are not eliminatory, everything is negotiated. For example, we can consider renegotiating a loan buyback that was made less than a year ago. Legally, there is no time limit between two purchases of credit. It is at the free choice of the banking establishment.

For those who buy a buy back credit that already provides housing, it’s harder. You have to take into account the mortgage ratio.

What is the mortgage ratio?

What is the mortgage ratio?

The mortgage ratio or “mortgage quota” is an indicator used by banks to measure the feasibility of a mortgage redemption. It is the ratio between the value of the property and the amount of the repurchase of credit.

The amount of all credits to be repurchased for a second time generally does not exceed 80% of the value of the property. If our real estate has increased in value since the first acquisition of homeowner credit, it’s all good. If on the other hand, our housing has dropped in value, it may get stuck.

Redeem a mortgage purchase

Redeem a mortgage purchase

As we have seen, it is mainly the mortgage portion that counts in a second credit surrender. If the ratio was already 80%, the renegotiation of the loan will be very difficult unless the property has increased in value since.

In this case, and with mortgage rates at the lowest, you have every advantage in renegotiating your mortgage loan for the second or third time!

The maximum repayment terms can sometimes be up to 35 years, like any other conventional home loan. If you are over 60 and want to buy a long loan, read our “retiree credit” article. You will not get a 30-year credit redemption if you already have 90 (but there may be a solution anyway).

Owner, I do not want to mortgage my home to buy conso!

Owner, I do not want to mortgage my home to buy conso!

Even if you do not use your real estate as collateral, the simple fact of being owner puts in confidence. The bank knows that it can always grab you something in case of great concern.The owners of their homes have more facilities when they buy their current credit redemption for the second time. debt ratio allows it? If the new debt ratio is lower than the maximum accepted by the bank, then yes, a new credit is possible. Even after buying a buy back credit.

Reminder: It is generally accepted that one should not have more than a third of one’s income spent on loan repayments.

Tip: If this new credit is dedicated to a real estate investment, it will be very well seen by the banker.

Make a third credit redemption?

Make a third credit redemption?

Make another redemption repurchase of loans, it is possible, and why not even a fourth. Every change of situation on your part is a justification for renegotiation.

We advises you never to let yourself fall asleep on your credits.

Falling rates? Let’s see if it would not be advantageous to renegotiate again. A new financial problem? Maybe even after the second credit buy-back, there is still room to negotiate.

As long as our debt ratio allows, everything is possible.

How to be sure of being able to repay a credit? Borrow from family

Borrow money online – get an instant loan quickly and easily

We help you quickly and easily to borrow money online!

We help you quickly and easily to borrow money online!

Borrowing money online can be difficult – I’ll help you find it for free. If you want to borrow money quickly and easily online, it can often be very difficult. Too many providers? Or simply finding the right & appropriate lenders – that can be very frustrating and time consuming!

I was in financial distress years ago. I had no income and I was short of cash. Many banks had rejected me for a small loan. So I tried to find out how to borrow money online.

How I did it and how you can do it today I show you here!

At the end of this post you will find a search request. We are looking for you without any obligation a suitable lender with the aim to receive a positive credit decision. We try for you to find private financiers where you can easily borrow money online!

No sooner had I arrived in Germany than I realized that I had to borrow money. And so I went to the nearest local bank and asked for a loan.

I need 5000 € I said to the bank employees. And yes I need money immediately and of course today. But as fast as I had it, so fast was the answer. I’m sorry I understand you need money right now but need some time and ask for money to determine your credit bureau score.

Tip: You should know your own credit rating. Read more about how you can apply for a free credit bureau self-assessment in just 3 minutes.

That was very devastating and frustrating for me, because I thought the loan request was processed immediately and immediately. With that, I was once again at the beginning of my question: How can I still get money without a bank today? That was the question I had to solve. Borrowing money online could not be that difficult, could it?

If the bank could not lend me money so fast – maybe I can find reputable private money lenders? And so I went on the search and posted in various forums. Private lenders wanted, who can help me? How can I borrow money online quickly and easily?

I need money now. And so it was out of the question that a quick loan for me probably would be the best geeigent. Yes, I would like to borrow money urgently. As you can imagine my requests in forums were very devastating.

Because most of them immediately replied that I should go to the bank and that my loan request can take days or even weeks.

But of course I knew that I still needed the money today. So what could I do and who could offer me an instant loan?

Of course I could have asked good friends of mine too. Hey you can lend me fast 500 € but I did not want that. That was simply out of the question for me. And so I thought it would be better to be able to find a reputable money lender privately who can lend me short term money.

Get money on the account today

Get money on the account today

The request for a bank loan did not work for me. Each bank has denied my credit request. And yes, even the search for a personal loan was not better at the beginning.

So I found a number of providers who advertised to be able to borrow money online immediately. But when I submitted my loan request I received an automatically generated e-mail with the simple content of a cancellation.

I realized that lending money for the unemployed can not be easy. But it was hard to imagine that it was so difficult to get money. So who gives me money and who can give me a loan for self employed persons?

After all, I wanted to have only a small loan. That could not be so hard to get this. Of course, that did not happen to me either. Namely, to illegally lend money.

And that’s why my search continued. I knew I needed fast money but where can you borrow money if you short of cash at short notice? Borrowing € 500 can not be that difficult.

Borrow money online with credit card

Borrow money online with credit card

After some research I finally found private money lenders. And I thought of the credit cards in the United States that could give me quick and easy access to the money. I knew there had to be some way to borrow money online.

I realized that I could borrow cash immediately with a credit card. And yes, most providers are also able to transfer the money immediately to the account.

I knew I needed money urgently. And so the idea was born to use private credit providers and their credit cards. However, here again the problem was that it was very difficult to find serious credit card providers in Austria and Switzerland.

In addition, I did not want to pay any usurious prices for interest. But on the contrary. Of course, I also wanted to get a cheap microcredit. And so I searched and searched as I can borrow money online.

And yes, at that point I had already had enough of my nose that I could steal an overpriced bank loan. The settlement at the bank would be much too complicated anyway and too lengthy. And so my goal was clear, to lend me the money of private individuals. Or if possible from a reputable private credit card provider.

So that you can also lend money successfully online I have my experiences in this post held.

Lend money privately

Lend money privately

At the end of this post you will find every reputable private credit card provider where you can borrow money online today.

Please remember: lending money is always a business. And this business is subject to certain conditions and requirements for a loan. In most cases, the repayment installments or installment payments are recorded as well as the sum of your credit.

I can tell you that it works and that you can borrow money without a bank. Even if you want to borrow money as a student online. Yes, it is also possible to get a simple trainee loan.

I have a search request that only takes you 2 minutes. We try to find the best providers for you who can lend you money quickly and easily online today. It is not always easy to get credit from a private source. And that’s why we help you with the search.

10000 euros credit – now starting at 86 euros a month

Would you like to borrow 10000 Euro ?

Would you like to borrow 10000 Euro ?

Interest-favorable, without much paperwork of course? Already prepared? Only compare and apply? Then just go. The credit comparison calculator is available.

Or, do you think about credit, 10000 euros is a lot of money, only after? Are you looking for customized information for credit on this scale? Then just read on. Compact information and a small credit comparison are prepared for you.

10000 Euro credit use

10000 Euro credit use

A loan, 10000 Euro is a round sum, nobody picks up for fun. A goal is always pursued. For the comparison of credit offers, it is not recommended automatically to select “freely usable”.

Because, possibly planned purpose and a special offer interest fit well to each other. It only costs a mouse click, but can save several hundred euros.

Interest rate comparison – what should be considered?

Interest rate comparison - what should be considered?

Money, within a currency area, is always worth the same. This brings the price comparison on the interest in the foreground. The interest rates are always listed in such a way that the cheapest interest is ranked first.

But that does not mean that every borrower pays exactly that interest rate. Above all, since a credit-based interest usually leads the comparison of 10000 euro credit, nothing is certain.

Nevertheless, credit can be compared very well today. To compare interest rates, the PAngV example is the benchmark. It shows how much interest 66 percent of bank customers pay for the product selected. Thus, PAngV provides the solid benchmark for the majority of applicants.

Credit, 10000 Euro – which term fits?

Credit, 10000 Euro - which term fits?

Basically, any loan should be repaid as fast as possible. Nevertheless, Rome was not built in a day. 10000 euro credit can comfortably repay the household cash only over a longer period. Which runtime is optimally suited for this purpose in an individual case can only be measured by the individual.

But, a definite upper limit for the monthly rate that exists. It may not be higher than the budget surplus. In addition, a safety reserve should be included. Because only then can the household budget “Unpredictable” compensate flexibly. For most, a period of 7 years (84 months) is optimal. But, only if at the same time free special repayment is allowed.

Credit example – best credit

Credit example - best credit

Civil servants and public employees are particularly likely to have excellent credit ratings. This is interesting for this professional group of the “interest poker on credit-based interest rate”. 10000 Euro installment credit, 84 months term, also makes no unattainable claims on the personal credit rating. Thus, the chances are good for the best credit.

The credit comparison of the loan, 10000 Euro – 84 months maturity – is currently headed by the bank. From 1.95 percent APR financing would be possible. After that, borrowers, with 10,000 Euro credit at the asking interest, pay 127.38 Euro per month. Unfortunately, this does not apply to the majority of customers. 

Thus a monthly rate of 135.69 euros. To compensate for originally 10000 Euro net loan thus, after 84 repayments, a total of 11.398,35 Euro. The bottom line is this 1398.35 euros borrowing costs.

Lowest-interest loan for “ordinary citizen”

Lowest-interest loan for "ordinary citizen"

The comparison of credit, 10000 € 7 years term. The bank grants its clients 10000 euro loan, 7 years of running time, on the average to 2,69 per cent effective annual interest. This translates into a monthly rate of 130.59 euros.

The loan repayment after 84 months, the total repayment is 10,969.94 euros. The bottom line thus for 10000 euro credit, only 969.94 euro borrowing costs.

Increase credit bureau-free loan

You want to increase this credit bureau-free loan?

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With a negative credit rating, it is almost impossible to get a loan in Germany. Many affected people have already had positive experiences with foreign loans. These are guaranteed credit bureaufrei and are gladly given to the citizens living in Germany. But what if you want to increase this credit bureau-free loan? Is this possible without problems?

How to raise a credit bureau-free loan?

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Anyone who does not get credit in Germany due to their bad credit rating has more success abroad. The Soulcredit Bank in Liechtenstein awards debt-free loans. However, there is a limit in the loan amount. As a rule, the borrower receives an amount of 3,500 euros. With a net income of 1,600 euros and 5,000 euros can be applied for.

Who wants to increase the credit bureaufreien credit, usually has no problems with it. However, this requires a punctual payment of installments. It is also important that a large part of the loan amount has already been paid. The top-up works easily under these conditions. A new credit bureau-free loan will be added. With the sum of the old credit will be replaced free of charge. The difference is for the borrower.

Who gets the credit from abroad?

Who gets the credit from abroad?

Not everyone can apply for this loan. Unemployed, self-employed and students are not accepted as borrowers. In addition, the employees have been working for at least one year in the company and that the employment relationship must not be limited.

People with temporary contracts therefore have bad cards to get such a loan. There is a reason for that, because the bank does not want the credit bureau, but it still wants to see the loan secured. With a steady income and a secure job, the loan is well secured. In an emergency, the bank submits the declaration of assignment to the employer and thus receives the attachable part of the income.

There may be reasons for wanting to increase a credit bureau-free loan. But it makes more sense to finally get rid of the debt burden. A loan from abroad can also be used for rescheduling. Nevertheless, one should keep in mind that even after paying the bills, the negative entries in the credit bureau despite completion notice for another three years to see. Only then is it possible to borrow money from a German bank. This should actually be the first goal in order to actively participate in the financial life in Germany again.


Payday loans don’t necessarily have to be dangerous!

Have you come in the unfortunate situation that you suddenly lose a little money on your pocket and is the savings account empty when you check online banking? Then you may have to consider one of the popular payday loans. This type of loan differs from the classic consumer loans, credit cards and cash credits that you may be used to today. These loans are typically smaller – from 1000-5000 kroner. It is supposed to be used as a kind of “buffer” if you do not have enough money to pay their expenses late in the month. Therefore, they often also have a short maturity, for example, a few weeks. What is important to examine is what it costs to repay the loan – overall. Here it can be a bit misleading, for example, several thousand percents. YEAR means Annual Cost in Percentage. And since these loans typically have a relatively high interest rate, the annual cost will, of course, be very high. But what is worth mentioning is that you do not pay interest for a whole year. Typically 14 days, or maybe a month.

However, it is of course always a good idea to examine what kind of consumer loan best suits your particular situation, as it can vary a lot from person to person. And there are a lot of different kinds of consumer loans that you can investigate. There are both the larger loans with a lower interest rate, and then there are the very small loans, which on the other hand often have a low-interest rate – and in some cases no interest at all. Here most often it is an intro offer that you typically only get the first time. But in other cases, there may be other types of rewards that you can benefit from. For example, there are many loan providers that offer one payment-free month a year. The most important thing, however, is to make sure that the place you borrow money has a good reputation.

And if you’ve been just a little awake in the hours, it’s no secret that these kinds of loans are often criticized in the media. What is important to keep in mind is that the media’s task is to obtain audience ratings. And, unfortunately, there are now far more audiences in showing people who have problems with the economy than ordinary Danes. It is not fun that it is called the “lucus trap” and not “healthy private economy”. First, it is already in the name. The name suggests that you have come into financial trouble because of consumer loans, to buy things you don’t need. Clean and bright abundance. Here at the editors, it is important for us to establish that loans are and become a natural part of ordinary people’s everyday life. And we do not quite think it is fair to hit so hard on consumer loans. Especially not in Denmark, where the Danish consumers are so well protected by the world’s laws that it is almost impossible to cheat for the companies that issue the loans.

It is of course perfectly fine that you make TV programs, and we must also admit that we have seen a few individual sections every now and then, but the problem arises when there is no nuance. It is almost as if it is always the consumer loans’ fault that the contributors have ended up in an economically hopeless and unmanageable situation – despite the fact that thousands of Danes live in harmony with consumer loans. Of course, it is clear that it can be silly to record a mini loan to buy a new bag, electronics or other things that are not strictly necessary, as there will be costs in the form of foundation fees, payment fees and interest costs. Therefore, it is important to be aware that borrowing money costs money. If one has this point of departure, one is always sure that one will not be surprised to pay interest and fees, and secondly, you may also be more inclined to reconsider whether it is really necessary to take out the loan. to start with, or whether it might be a better solution to wait a few months while saving up to what you have now chosen instead.

As long as you are aware that it costs money to borrow money, Mini loans need not necessarily destroy your finances. As long as you have reason with you and use your head, consumer loans do not have to ruin you. On the contrary, it can actually help you. There are many who are stressed over their finances. And here it can sometimes be an opportunity to borrow a consumer loan. For example, if you lack new furniture, the car is going to a workshop, and your niece will soon have to be confirmed, all these things together can give you a very stressful life. Instead of stressing over these things, it can make sense to take up a consumer loan, in order to get control of all the “hanging parts” that one might not want to do easily by saving up. In this way, one can say that a consumer loan can mean that one gets the opportunity to get a lot of things in order. It can also sometimes give more air in the economy to take up a consumer loan, as it thereby gets the opportunity to get more loans together in one. This often results in a larger disposable amount and can also give you some better interest rates so it doesn’t have to be as expensive for you as a consumer to borrow. However, always remember to check if it is worth taking out the loans in this way, as the formation costs of taking out the loan can quickly offset the benefits. In addition, there are also some who can lose motivation, as one can no longer “knock” one loan off, at a time. Therefore, for some it may be more confusing, suddenly having to deal with a large loan that has more years of maturity than more small ones – despite the fact that the total amount may be the same.

Why is life insurance better than payment protection insurance?

Image result for life insuranceAlthough the new Mortgage Law will prohibit the obligation to hire insurance to grant a mortgage, this will not mean that financial products do not continue to sell insurance such as payment protection.

On the one hand, what the new legislation determines is that the client always be shown a mortgage offer without any product linked to one or several offers that, if they can contain different conditions, but with product linkage. Banks can thus offer proposals with discounts, usually discounts on the interest rate, if they hire these products.

The other way in which payment protection insurance grows is in its growth in the personal loans segment, especially in the highest amounts.

In all cases, its commercialization is based on selling the benefits of its coverage: the capital that remains pending from the loan in the event of death, temporary incapacity for work or unemployment. But all are limited and have several points not so positive that you have to analyze.

Beware of single premium insurance

The first point is related to how loans are amortized. The most common in Spain is that they are made by the so-called French method which implies that equal installments are paid throughout the life of the loan unless there are changes in the interest rate. This form of amortization implies that at the beginning of the loan is when more interest is paid and, therefore, less capital is amortized and at the end of the loan is when the capital is reduced more quickly.

In practice this assumes that these loans are more interesting when the loan operation starts and loses this interest when few years remain. To avoid this drop in hiring, it is a practice of some financial entities to market it as a single premium insurance; that is, the entire insurance is paid when you sign the contract for your mortgage. This form can involve certain limitations and problems. The first, the high amount, especially in mortgage operations which leads to even financing through the loan raising its amount. The second, if you anticipate the cancellation of the loan, you have the right to claim the proportional part of the premium.


Very limited protection  

With all this it is clear that the insurance protection is limited in quantity despite its cost that is usually high. It is for the main coverage, the death coverage, but also for the rest. For illness, you have to read the conditions very well since not all the illnesses that can take you to the medical leave can be contemplated in your coverage. Likewise, unemployment coverage is limited in time.

Faced with this, life insurance covers all contingencies in a broad way, you can comfortably pay it periodically and update it to offer complete security for those you love most.

Tricks to stop wasting money

While it is true that we are increasingly aware of the issue of savings, we continue to have spending habits that we can improve to avoid wasting money .

We do not like to deprive ourselves of anything, even though with that we get to have a mattress of money that makes us be able to face any unforeseen event in the future.

When we talk about wasting money, we refer to those compulsive purchases that we make and that in most cases could be avoided. Sometimes, when we do one of these purchases, we regret it, but there is not always a way back!

How to avoid wasting money and saving

How not to waste money How easily the money goes! We must assume it, in many cases we fall into the hands of consumerism. The publicity and the impulses can with us and we end up buying things that we do not need and that in some cases we do not even really like. Why do we waste money this way with what it costs to earn it?

We are going to give you a few tips so that wasting money is not part of your day to day and you can save a good amount of money at the end of the month.

  • Knowing how to differentiate between the necessary and the superfluous. Separating the luxuries of what is really necessary is a great first step to be able to stop spending money in an uncontrolled way. A quirk from time to time does not have to hurt anyone , but when it becomes a habit, you have to put a brake on it.
  • That the emotional ups and downs can not with you. When we are sad we usually give ourselves a whim that makes us feel a little better at the moment. You have to think that this small impulse, if it is repeated with assiduity, can become a big hole in our monthly economy.
  • Make good use of energy in our home. We have to use energy with a head. That means, for example, that the lights have to be turned off when you are not in a room, hire a time-zone rate, do not overuse the air conditioning or heating … There are many ways to save at home, all help to avoid spend too much.
  • The restaurants, for special occasions. We tend to go for the easy, to go to a restaurant rather than to prepare something at home and grab it in a tupper at work. Making an approximate calculation of what you spend on eating out each month is simple. Imagine that you go to the typical restaurant menu at about 11 euros 3 times a week. What looks like a cheap menu ends up becoming more than 130 euros per month of spending.
  • Invite, but not in excess. We all want to be splendid with our friends and family, but you have to know where the limit is. Inviting too much will make you stop controlling expenses and find yourself with a small big hole in your pocket.
  • Why buy premium brands? Sign up for white brands! Most of the time these have a very good quality and a price much lower than premium brands. Little by little you will be making a piggy bank.
  • Do not pay for services that are not used. A reality that we seem to be accustomed to is paying for services such as television and music, etc. That we do not take full advantage or that, directly, we do not use. This entails a constant loss of money.

Use common sense to avoid wasting money

Tricks to save money The most important thing when it comes to being able to save money and stop spending it on superfluous things is to use your head. Knowing how much money comes in and how much goes out is ideal when it comes to being able to keep a specific amount at the end of the month.

A good idea to know if you are spending more than the account, write how much money you enter and how much money you spend on necessary things. If at the end of the month the numbers do not add up, it’s something you’re doing wrong and you should start investigating what happens.

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September 25, 2018 Share this article: