The vagaries of life often lead us to undertake one or more exceptional expenses such as paying for a new car or undertaking work in the dwelling, etc. So, let’s ask ourselves the right questions! How to organize your monthly budget to anticipate the future? How to fix a difficult financial solution to get off to a good start?
Create a programmed savings
The ideal is to build up savings programmed upstream in order to have liquidity in the event that a hazard of life resulting in an exceptional expense occurs. For this, individuals have access to various savings books that are regulated by the state. Depending on the nature of the savings book, the individual saver finds advantages and disadvantages. It’s up to you to make the right choices to make your money grow and benefit from precautionary savings quickly!
Remember that among regulated savings books, there is can be held by each of us in exchange for a minimum payment of ten euros at the opening. Must savings product to ensure a first pot. But also the LDDS (Sustainability and Solidarity Booklet). The particularity of the LDDS allows the holders to give up a portion of the interest in order to obtain a tax benefit associated with the donation paid to an association.
Thanks to the sums capitalized through the various savings booklets regulated or not, you can thus face the vagaries of the life by drawing the necessary cash when it is necessary without appealing to credit! However, when savings are unavailable and the accumulation of consumer credit is present, then it is strongly recommended to look into a credit buy-back study.
Private Manager: Credit Redemption
As a good account manager, we are not immune to financial difficulties in the face of the vagaries of life. It must not be forgotten that the vagaries of life require obtaining a cash envelope as soon as possible to deal with it. A good account manager knows how to set up an intelligent management of his money. And this in order to be able to build up liquidity over time through one or more programmed savings. But sometimes it is insufficient!
Once exhausted, the mistake is not to get bogged down in an accumulation of cash loans. Credit on credit, so the budget management of the home deteriorates over the months, and the risk of being sucked into an excessive circle of debt is real! It would be unfortunate to see a whole strategy of budget management collapse to make room for a state of degraded accounts. Overcoming the financial problems is not inevitable when one has made the choice to set up a financial restructuring operation of the loan consolidation type.
Indeed, it recommends to rethink in its entirety the management of the budget. It begins with a reorganization of consumer credits in repayment. These last ones do not have to be at the base. The setting up of a credit repurchase Gradgrindment responds perfectly to the situation. By decreasing the amount of monthly payments up to -60%, this frees up more purchasing power for expenses and needs of everyday life.
The purchase of credit offers the individual manager the advantage of anticipating a difficult financial situation by remodeling the management of the household budget. For more information find out how it works the credit redemption?