Credit As The Danger Of Your Financial Life

Store shelves are filled with accessibility and abundance. I’d like to live in my own cozy, comfortably furnished apartment, drive my own car and have high-quality rest.

In our time, the average citizen is hard to imagine without debt on loans. Make a loan has become a matter of several minutes, and take the credit can be almost any item whose value exceeds the amount of cash in your wallet.

Society was divided into 2 parts. Some argue that living in a loan is easy, while others scare the debt pit. It is easy to understand and supporters and opponents of credit.

Wages are not always able to meet the needs. There is a financial institution that is ready to help, why not take advantage of his offer? Quite often, credit is made by the man spontaneously. In this case, our heads did not come close to reread all the items the loan agreement. But even after reading, you can easily get lost in the financial terminology and do not recognize all the pitfalls. We sincerely believe in the integrity of the legal document signed and sealed.

If you have already been forced to issue the credit, you know, credit – is a formal agreement between the lender and borrower, which are the subject of money or other valuables. Hence, it does have rights and responsibilities. One party agrees to provide the money, the other – in time to return the equivalent amount with interest. This is where the hidden element of surprise. The lender did not immediately tell you that:
money in most cases, downloaded to your credit card;
there is interest for conducting nearly all transactions;
for cash withdrawal you have to pay a separate commission;
monthly payments will include some sort of “service” and insurance payments.

That’s not all.

If you suddenly want to accelerate the repayment of the loan to you may require a penalty for early repayment, because your emotions were not provided the contract and for breach of the scheme you have to pay separately.

Do not forget about the repayment terms. Better to do it for a few days. Because it is not so simple. The Bank shall deduct the payment date is the day in which your means “sit down” into bank accounts.

If you do decide to take the credit, at the conclusion of the contract, pay attention to the text written in small print, and be sure to ask a bank employee or a shop you count the total amount including all fees, a figure price markup can startle you and stop. But if you refuse to provide this information on a credit, it’s reasonable to refuse.

And remember, no credit will make you richer. You get yourself the headache and hassle for your own money. Learn to live within your means. Do not stand in front of goals to achieve that for you is unreal. Plan both the revenue and expenditure side of your budget. A small “contingency fund” you can make in your own closet, saving the money and especially not limiting yourself with the daily purchases.

There is still one sure way of saving money – to think twice before you buy something.

World crisis has made many people caring of their retirement and future, look for ways to save funds and retirement financial planners. Those who are concerned about their retirement well-being, are recommended to visit this professional financial planner site – the very place online to get professional pieces of advice and find out how organizing personal finances is made.

Luckily we live in the world of high technologies. It wouldn’t be good not to use this truly unique chance. Current online technologies help us break the borders and search anything we need all over the planet. Check out different social networks, look through related topics, join discussions in niche forums. All this will help you be well informed about the events concerning your interests. Also, subscribe to the RSS feed on this blog not to miss new publications on the topic.

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