If you are tired of this vicious circle that you are in, read our tips and make the move to exit the minus this year.
The value of the kuna is best understood when you do not have it. When you miss one kuna or when you compare a meal at a restaurant to a meal you can make at home.
It takes you a month to get paid. That’s about 20 business days. Calculate how much you earn daily or hourly, you might be surprised.
Monthly cold drive
If you are thinking of saving, you need to know where each of your earned kuna goes. This is the first step. Without this step you will not go far.
Grab a piece of paper and a pen and start listing. Write down everything: the amounts of the monthly bills you pay, the bills that come with standing orders, rent, electricity, gas, water … Do you have a pet record and how much you spend on it each month. If you have children, list how much you spend per month. Try to be as detailed as possible, write down all the chocolates you have bought this month. All. How much money a month goes to food, coffee in town, stuff at work, bakery rolls, public transportation tickets, Uber… If you are a smoker, remember to list the amount of cigarettes you smoke per month, filters, lighters you bought. That’s all.
In this step, it is essential to try to remember everything. Write down everything in detail. This step may take several hours. Take time and remember everything. Only when you get the summary number can you move on. That number is your constant outlay that sits on your payroll monthly.
luxury or need
Divide this list into two columns: luxury and need. Again, list everything in detail and sort it into columns and add it again.
If your “luxury” column is in the lead, you’re well on the way out of the minus. However, if the sum of the “need” column is much higher, you have more work to do.
container for the rest
Take this step right away: Put all the coins you have in your wallet and put one in your pocket. Ideally, the pan is opaque. And that’s how you do it every day. Do not open the container, do not lift it. Empty your pockets and wallet every day and put all the coins in the jar.
At the end of the month, open it and see how much you have collected in this way.
loans and borrowings
No need to be afraid of credit. Unless your loan repayment rate exceeds one third of your salary, then you are in a long-term problem. At least as long as you repay the loan. Loans and loans are the means that allow you to reach a specific goal: to equip an apartment, buy a car, pay off debt, or something else.
If you have a problem, you need the money urgently or until your next paycheck – it’s okay to seek help in the form of a loan or loan. In such cases, we at Good Finance Bank offer you the opportunity to apply for Microcredit with a repayment period of up to 30 days.
Applications for a loan from us at Good Finance Bank take only a few minutes, you will need to wait for up to 15 minutes, and you do not need a guarantor already to have your ID and internet. Don’t be afraid – click on the link and check out the options.
Get informed, call, speak to our customer service and only when you have all the information, choose the product that best suits your needs.