Bienvenidos a una nueva entrada. Esta semana el tema va sobre la deuda. Aunque todos sabemos que si tenemos demasiada deuda no llegamos a fin de mes, no demasiados hacen algo para solucionarlo. Tarjetas de credito, hipotecas, reunificacion de deudas, compras a credito.... apartate de mi Satanas!!!
En serio, vamos a tratar las mas importantes. Las que el 99% de la gente de a pie sufre.
La primeras son las tarjetas de credito. Sabes que el interes del credito que gastas con el rectangulito de plastico ronda entre el 15 y el 21 por ciento de interes?... o sea que por cada 100 euros que gastas se te van 17 mas de media. No crees que es demasiado? Usando el presupuesto que vimos en una entrada anterior podemos evitar el uso indiscriminado de la tarjeta. En realidad, solo son buenas a la hora de alquilar un coche o pagar un viaje, ya que tienen un seguro propio...ah, no lo sabias? pues si, aprovechate del sistema y deja de pagar esa burrada de intereses...
La otra es la hipoteca. Es como un dolor de muelas o un parto, solo que durante 30 años. Sabias que todas las hipotecas son negociables? Un cambio de hipoteca o una nueva es la situacion ideal para negociar el diferencial con el banco, comparar ofertas, o incluso llevar la oferta de una sucursal a otra en busca de alguna ventaja. Piensa en ella como en cambiar de compañia de movil para que te den uno nuevo y mejor. Tambien, si ya la tienes y no te planteas cambiarla, deberias pensar en aportes extraordinarios que a la larga evitaran que pages miles de euros solo en intereses. Quizas haga una entrada a modo de ejemplo para que veamos como un aporte extraordinario es ventajoso o no dependiendo del interes en vigor.
En fin, si conseguimos tener bajo control estos dos factores, ademas de hacer caso a nuestro presupuesto y no olvidarnos de nuestro ahorro todo se nos va a ir poniendo de cara, veras como crece tu capital y llegaremos a la parte mas jugosa del asunto...de como nuestro dinero genera mas dinero o INTERES. De esto tratara nuestra proxima entrada, asi que te agradezco de antemano nuestra proxima cita, la semana que viene. No faltes amig@ lector@!
Welcome to a new post. This week the topic is about debt. Although we all know that if we do have too much debt we will not make it till the end of the month, not many of us do something about it. Credit cards, mortgages, debt consolidation, credit purchases .... Keep away from me Satan!Seriously, let's try the most important point. Which 99% of the ordinary people suffer.The first are those credit cards. Did you know the interest of credit to spend with plastic is between 15 and 21 percent interest? ... it means that for every $100 you spend you spend 17 more on average. Don´t you think it is too much? Using the budget we saw in a previous post we can avoid the indiscriminate use of the card. In fact, is only good for when we rent a car or pay for a trip, as they have its own insurance ... ah, didnt you know about it? yes, take advantage of the system and stop paying abusing interest ...
The other one is the mortgage. It's like a toothache or childbirth, except that it lasts for 30 years. Did you know that all mortgages are negotiable? A change or a new mortgage is the ideal situation to negotiate with the bank the difference, compare offers, or even take the offer from one branch to another searching of for advantage. Think about it as changing the mobile company to give you a new and better one. If you already have and not change you approach, you should think of extracontributions in the long run to avoid thousands just in interest also. Maybe I will make an entry as an example to see how an extraordinary contribution is advantageous or not depending on the current market interest.Finally, if we keep under control these two factors, in addition to paying attention to our budget and do not forget all our savings plan, we will see how our capital grows and reach the more juicy part of the bussines... generating more money or INTEREST. Try this our next entry, so I thank you in advance for our next appointment next week. Do not miss it dear friends!
The other one is the mortgage. It's like a toothache or childbirth, except that it lasts for 30 years. Did you know that all mortgages are negotiable? A change or a new mortgage is the ideal situation to negotiate with the bank the difference, compare offers, or even take the offer from one branch to another searching of for advantage. Think about it as changing the mobile company to give you a new and better one. If you already have and not change you approach, you should think of extracontributions in the long run to avoid thousands just in interest also. Maybe I will make an entry as an example to see how an extraordinary contribution is advantageous or not depending on the current market interest.Finally, if we keep under control these two factors, in addition to paying attention to our budget and do not forget all our savings plan, we will see how our capital grows and reach the more juicy part of the bussines... generating more money or INTEREST. Try this our next entry, so I thank you in advance for our next appointment next week. Do not miss it dear friends!
