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Consider whether it is more convenient to buy or just borrow

First, think about whether you will use your bike, skis or car frequently, or if you ventilate them once in a while. With a bike, maintenance costs are minimal, but a car costs CZK 10,000 a year just for having it. Despite its diminishing value.

 

Enjoy the shine and feeling of uniqueness

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Ladies who are going to a prom or a wedding solve this dilemma almost without exception. A new robe costs thousands and wearing it for the second time is a violation of the label.

But look at it from the other side. Rents do not cost much less and moreover, you have to worry all evening to prevent the dress from being destroyed. More dirt is enough and you will have a fine.

When you buy a dress, you enjoy a wonderful feeling of novelty and really shine . You can also have them sewn – then they fit exactly to your liking and fit perfectly. If you do not want to keep them, offer them to others interested on the Internet. For earned money you can buy new dresses for the next prom.

 

Utility is a decisive factor

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For tools, consider whether you will need it only during a weekly renovation , or whether it will be used repeatedly in the coming years. Consider if you recall people who hire you DIY equipment for a minimum fee or dinner invitation. Even a short term rental from a specialized company can be more advantageous for you.

Lending is not something to be ashamed of or afraid of. This is an excellent way to try or use a thing without risking a disadvantageous investment. If you still succumb to the passion of shopping, do not be afraid to sell unsuitable items. Use sbazar , bazoš or aukro .

Where to get the money

Where to get the money

If you do not have the appropriate amount, but buying is inevitable for you, consider a loan or hire purchase. In this is a nice buy , which acts as a shopping cart for different e-shops at the same time. It will calculate the repayment amount for all products together , so you will save time and will only send one repayment.

 

Have you ever been carried away and bought something you never used again ? What do you borrow most often? Write us in the comments or on Facebook .

 

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Warning Signs of Financial Problems – Credits

Financial problems can affect anyone one day or the other. If you recognize yourself in the following situations, you may be in a problematic debt situation.

I only make the minimum payment on my credit cards.

I only make the minimum payment on my credit cards.

By making only the minimum payment on your credit cards, you will pay considerable amounts in interest (up to two and a half times your balance) and it will take you years to pay off your debts.

  • $ 3,000 = $ 6,360.54 paid / 15 years and 2 months to repay
  • $ 10,000 = $ 22,110.45 paid / 22 years and 8 months to repay
  • $ 25,000 = $ 55,860.57 paid / 28 years and 4 months to repay
  • $ 50,000 = $ 112,115.55 paid / 32 years and 8 months to repay

By assuming, credit cards at the interest rate of 20% and a minimum payment of 3% of the balance.

I am often late in my payments.

I am often late in my payments.

Are you late in your payments (rent, television, internet, electricity, etc.)? If so, this is a sign that you are having financial problems. If you missed several months of payments, it means that your budget is not balanced and each month brings you closer to bankruptcy. Check before it’s too late.

I close the end of the month with credit.

I close the end of the <a href=month with credit.” />

If you need to use your credit cards or line of credit to balance your budget, it means that each month you increase your debt. If you do not correct the situation quickly, your debt will continue to inflate indefinitely.

My financial problems are a source of conflict with my relatives.

My financial problems are a source of conflict with my relatives.

Finances are often a source of problems in couples. If your financial problems put stress on your personal relationships, this is a sign that you should consult a professional (a licensed insolvency trustee).

Collection agencies call me constantly.

If you do not dare to answer the phone for fear that it is your creditors who call you, it is probably because you have financial problems. We can stop their calls. Consult us.

If you recognize yourself in the situations above, we can help you! Ask for a free consultation to analyze your situation and we will take the time to suggest concrete solutions.