To whom of us it has not happened to us that for reasons of destiny we have had to resort to urgent credits. To solve any emergency inside or outside the home. Those types of urgent loans that we request from private financiers. Because we need to take the money into account as quickly as possible. And yes, it’s true, they do not get out of trouble in the moment. However, they erode our economy for months, since interest rates are quite high. The interest that must be paid for urgent loans is around 40% per month. Without counting the payment of fees, closing costs, penalties for amortization, among others. That is why in this article we will talk about how to adjust our home economics. In order to pay those urgent credits without having to fall into Financial Credit Institutions. Or give up other comforts for longer.
The first thing we must learn to collect and pay for these urgent loans is what we spend more on a monthly basis. What are the most expensive items in our budget? For no one is it a secret that electricity and water only cost more services for what we pay. Here the best tricks. Do not bathe with the water tap open all the time, close it while you apply soap and shampoo. In summer try to bathe with the water as cold as possible. It regulates the temperature of the thermostat in winter at 18 degrees, instead of 21 degrees which is the average. In summer try not to use air conditioning where possible, also regulating the thermostat between 25 and 26 degrees. It is worth noting that Air Conditioning and Hot Water. They are those that consume us up to 66% of total service expenses.
How to save on food to pay for the famous Urgent Credits without papers
The urgent credits that are requested without papers are, in general, the ones that originate the most interests. Because it is a high risk investment for financial institutions. These urgent credits can be addressed by economizing in other areas such as food. According to the United Nations Organization for Agriculture and Food, a third of all food produced is wasted worldwide. This amounts to 1,300 million tonnes. Of which 89 tons correspond to what is wasted in the European continent. In Spain, each person throws 179 kg of food into the trash that are edible. Which means that statistically you can save a lot of money just by not wasting anything you buy in food every day.
Here the most effective tips for you to collect and pay for your loans without endorsement in the blink of an eye: Cooking at home avoiding eating on the street. Plan a weekly menu and buy only what is necessary to avoid food waste. Start a healthy plan and do not buy unnecessary sweets or desserts. Start choosing food brands that are not as popular in the market. Usually, more is paid for the “brand” than for the quality of the product. Look in the shelves below or above, which is where they are located. The foods that are consumed more, can be bought in bulk since they leave more economic. Fishing the offers that are offered in the supermarkets every week, as well as in the fairs markets. Do not despair, you will see the difference in a few months. You will be paying the urgent credits without much effort.
Save with these tricks and pay the Urgent Credits without importing Financial Credit Institutions
Other of the types of urgent credits that cost more to pay are those that you ask already when you are in Financial Credit Institutions. And if you have already reached this point, you know that you are in a delicate situation. Well, you should not only pay the urgent credits, but also the one for which you entered Financial Credit Institutions. The Bank of Spain warns that once you are on this list it is very difficult to leave. You will need every penny you can save. There is a practice that has become recurrent among Spaniards. They request the urgent credits to pay the arrears of other loans and leave the Financial Credit Institutions list. It is imperative that you evaluate this practice well since, as has been said, the urgent loans have very high interests. You will end up paying much more.
The main idea is that you can solve your already precarious situation by saving everything you can. What will entail along in paying the urgent credits only adjusting your home budget. Pay attention to the following tricks: Buy led light bulbs, these consume only one third of the energy that would consume a traditional bulb. Start your own garden, so you can stop buying these foods in the market. Make sure to plant those that you know can be given without problems and that are the most expensive to acquire in the market. Reuse containers, aluminum foil, containers of any kind and in general everything you can. Organize a garage sale, take out everything in your home that you no longer use and put it on sale. You could take out even the total of your urgent credits.