End the year debt free
If you are thinking of getting rid of those annoying debts that frustrate your desires for progress, savings and financial stability, you are in the right place. And, there is nothing more irritating than not being able to make professional or personal challenges come true because of that money that you must return and that you do not have, at least for now.
Here are some tips to help you start the year on the right foot and with your pocket free of burdens. If, in addition to applying them in the rest of the year, you do it during the next 12 months, we are sure that you will reach the next Christmas without regrets, ties and with the certainty that you have done things well as far as your finances are concerned. It will be then when ... there will be no challenge that will resist you!
The Christmas bonus, to cover holes
If this year it has been difficult for you to make ends meet and you have some outstanding debts, propose to invest the extra from your company in paying off those financial commitments that bring you upside down. Perhaps the payroll does not reach you for Christmas expenses and also take a trip to a dream destination, but think that starting the new year free of charges will allow you to save and go on vacation without headaches and to an even more interesting destination in the middle term.
When it comes to Christmas shopping, the internet offers a vast digital market where you can buy real bargains, you just have to sit down and search. And when it comes to holiday meals… there is life beyond rice with lobster or oysters! Once again, the internet is the solution to your problems, thanks to the proliferation of blogs and web pages dedicated to gastronomic tricks and recipes, you can find a Christmas menu according to your possibilities and the most demanding palates. You will look like a true chef without spending a fortune.
On the other hand, if you have any debt in a microcredit company, there are different ways to pay it off. Make a payment plan or contact the creditor company, be honest and explain your situation, the people on the other side will try to offer you a solution and will try to help you.
Design an annual savings plan
If you don't want to repeat the bad experience of getting into debt without remedy, design a savings plan that allows you to do without the superfluous and live according to your income. Actually, it is easier than it seems, you would be surprised at the degree of savings that a family can acquire with the simple fact of planning well and adopting responsible lifestyle habits. If you do it this way, in a matter of a year you will have an inexpensive mattress that will allow you to live with peace of mind.
And we are not talking about stopping going out and eating only bread and water ..., we are referring to actions as simple as signing up for a running group or amateur soccer team in front of a gym, having dinner at home with friends instead of at a trendy restaurant, to move by public transport or bicycle whenever possible, to sell online everything that you no longer use or to find a family home on the outskirts for your holidays instead of a luxury hotel in the center. It is not about giving up your hobbies, it is about turning them into sustainable practices over time and economically.
Check your accounts weekly
Thanks to online banking and financial applications, it is extremely easy to control expenses and income almost immediately, plan them and obtain greater profitability based on different products at our disposal.
You can find out if you have been unfairly charged a commission and request a refund instantly, check the performance of your savings or plan your finances with the aim of obtaining some financial freedom or independence within a year.
Lean on microcredits only when necessary
Using the credit card to advance your purchases or request a credit is so simple, since this type of practice can report future problems. If you need financial support for a specific moment, request a mini-credit from a solvent online financial institution that allows you to have small amounts for free and return them within a maximum period of 30 days, in such a way that you avoid contracting a long-term debt, since you can return it with the income of the next payroll or extraordinary pay.
CréditoSí offers up to 300 euros practically immediately and without interest, for new clients. A perfect amount to deal with unforeseen events.
So now you know, pay off your debts as soon as you can, save, plan your expenses and income within a year, control your finances weekly and ask for a quick credit online only when you really need it.