5 Customs That Will Make You Need Personal Loan
April 20, 2019
” You’re going to need personal loan ” sooner or later if you keep those five customs that are unusual enough to be impractical for consistent savings. Simple examples like choosing cheaper hotels on vacation or buying a semi-new car instead of a zero. There is a saying: ” If advice was good, it would not do, it would sell.”
Great saying but it really does help to keep your monthly expenses under control if you do not want to or are compulsive enough. In reality, you may be wasting money on extremely common things that often go unnoticed. Below we list 5 things you probably did not know that you were “throwing money away”. Below we list 5 habits that are harmful to people with unstable financial situations.
1. You have the habit of buying new releases just because it is new.
For example, you are the person who is queuing at Apple at 2 am on the day of the new iPhone launch. But guess what? There will always be a new iPhone release. Whether you want it or not, it’s the trade that makes the world go. If there were no new things on the market, companies would go out of business. However, it does not necessarily mean that you have to buy the product before it even reaches the shelves.
This is not just for electronic products. Your car still exhales the smell of a new car, but you’re already at the dealership again looking at next year’s model… Cars devalue up to 15% from the moment you pull the dealership and lose up to 25% or more its value in the first year. You can not take advantage of the value of your money spent on a car and to exchange the car you need loan or financing.
2. You buy things you do not need in stores and magazines online.
It’s Black Friday or any other week or day discount, and you’re there among the first consumers. Running with thousands of other people – personally or online – to get the best products you did not make notion you wanted. That is, you do not like to miss any of the promotions that the stores in your neighborhood or virtual do constantly. You hunt down any discount coupons, if possible spend up to two on things you will never use or need accurate. Have you ever wondered how much you could save by keeping your wallet hidden.
3. You pay fee to use credit card and special limit.
Are you paying money for a credit card company to let you use a card that pays interest on the money you are using? What a bad deal! Of course there are some exceptions regarding the rewards of some cards more than paying fees, but generally paying an annual fee for credit card is disinclination. There are many credit card options without annuity and even no credit card consultation for anyone who has problems with the name. Get one.
The same goes for accounts at a bank that charges current account fees monthly or you pay a fee by checking the 24 hour cash instead of a bank’s own cashier. Do a search and look for a bank that will accommodate you with no fees for a simple deposit or a balance inquiry.
4. You do not use loyalty cards in stores that you buy regularly.
As you can, I did not know that some of the most innovative supermarkets and magazines stores track your purchases, and in return give you discounts, that is, if you buy regularly at a store, it will offer special prices to these customers in their loyalty programs. Unless you are in a witness protection program or hiding from the police, it is absolutely worth giving your local supermarket your address and phone number and letting them track the brands you buy.
5. You eat more in restaurants than you eat at home.
If your breakfast comes in a styrofoam container, your lunch is delivered in an aluminum box you are choosing to dinner from a mail box brochure, you are more sick of the pocket than you need to be.
Of course this does not fit if you are traveling or on the road, however, on the other hand, if you are at home, you can eat much better and for much less money if you start cooking, do the math. Keep up with these habits and soon you will need borrowing or borrowing money.