Payday Loans Bad Credit Online -Fiji-Faqs.Com http://fiji-faqs.com/ Fri, 12 Apr 2019 14:23:57 +0000 en-US hourly 1 https://wordpress.org/?v=5.6 Useful Gifts for Your Finances http://fiji-faqs.com/useful-gifts-for-your-finances/ http://fiji-faqs.com/useful-gifts-for-your-finances/#respond Fri, 12 Apr 2019 14:23:57 +0000 http://www.fiji-faqs.com/useful-gifts-for-your-finances/ Continue reading "Useful Gifts for Your Finances"

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Traditionally, the gifts exchanged on Christmas Eve are a surprise. However, there are gifts that although not surprising, can be very useful for the future. If you are fed up with offering the same gifts and want to offer lasting well-being instead of momentary joy, the gifts that Deirdre lists below may be more than original, an authentic display of affection. And why are these gifts no surprise? Because they need the data and the signature of the person who will receive them, because they will be in the name of the recipient of the offer.

Opt for same original gifts this year

Child savings account

savings account

Anyone who has children or nephews until the age of 15 has the possibility to open a current account on their behalf. The main purpose of such an account is to safeguard the future of the child in financial terms, with values ‚Äč‚Äčthat may be useful for any university studies or other expenses. This account can be used to teach the child to save from an early age and to use the money entrusted to him in order to get the most out of it. This term account pays interest on the amount deposited and can be handled by the parents. There are no maintenance costs for most banks.

Young savings account

Young savings account

This type of account is ideal for a young person between the ages of 12 and 15, age that varies depending on the bank. This current account has as main advantages the low opening value and the possibility of making reinforcements, so that the savings increase. It pays interest on the amount deposited, and can be used to better manage the weekly or allowance, allowing the children to collect money to buy something higher than the allowance. There are no commissions, with account withdrawals and transfers being limited to the minimum account subscription amount.

Young account

account

This checking account can be opened to a young person aged between 12 and 15 depending on the bank. It brings as main advantages the low opening value and the offer of the debit card annuity. Another benefit is the non-charging of account management commission, unlike most traditional checking accounts. The main purpose of such an account is to enable young people to manage the money they have available and make some payments for purchases or mobile phone shipments.

Plans Savings Reform

Plans Savings Reform

The Retirement Savings Plans (PPR) are a gift to be taken into consideration for adults. Although the money invested in the product is only available for retirement, it can be an important source of extra income at that time, especially important due to the changes in Social Security and the forecasts that in the short term the pension received will be much lower to the last salary received. The PPR market is quite broad, being marketed by banks or insurers. The investor should always carefully analyze the product he intends to subscribe and his yields up to the date of acquisition (not forgetting that past returns do not guarantee future yields). PPRs also have associated tax benefits, a benefit that will decrease in 2011.

Certificates of Savings and Treasury

Certificates of Savings and Treasury

Savings certificates and treasury certificates are products issued by the Portuguese State. They are designed to foster savings and are one of the sources of state funding. Unlike the products described above, the certificates have no definite purpose, having as main goal to achieve an extra income of the money saved. The maximum investment period for these products is ten years, and it must be taken into account because it is at the end of this period that the best interest payment is presented. To buy this “gift”, the CTT stations are the place of commercialization, but the Institute of Management of the Treasury and the Public Credit (IGCP), issuer, also sells them.

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Care That Women Should Have With Their Finances http://fiji-faqs.com/care-that-women-should-have-with-their-finances/ http://fiji-faqs.com/care-that-women-should-have-with-their-finances/#respond Wed, 20 Mar 2019 14:13:15 +0000 http://www.fiji-faqs.com/care-that-women-should-have-with-their-finances/ Continue reading "Care That Women Should Have With Their Finances"

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Women earn less, live longer, save less, and when they reach retirement age they have lower pension values.

Generalizations aside, it is inevitable to say it: men and women do not have the same relation to money. The female audience tends to be more averse in dealing with financial matters and delegate these issues to another person, usually the husband. This trend can be explained by several reasons. One of them could be the wage gap between men and women that still stands today. According to data from the European Commission, revealed on Wage Equality Day, men earn 15.7% more than women.

women and their finances

The numbers are worrying, especially given that more and more women are a fundamental pillar of the family budget, meaning that the couple hardly “survives” without the income of both members. But there are other numbers that play for and against women, such as the average life expectancy: women live longer than men. Currently, the average life expectancy of men is 76.43 years and 82.30 years for women. This means that women should save more for retirement years.

The risk of poverty is also higher among women than in men. According to the report of the Commission for Citizenship and Gender Equality (IGC) report for 2011, the risk of poverty covers 18.4% of the female population, slightly more than the 17.3% poverty risk in the population. The difference is more pronounced in the age group above 65, where 21.8% of older women have an annual income below the poverty line. But it is among single-parent families, led by women, that this risk has become more pronounced.

In short, overall, women earn less than men, they live longer, they save less, and when they reach retirement age, they not only have lower pension values, but still have less money saved. These numbers are not intended to demoralize but rather encourage women to cope with this aversion to money and take control of their finances. In this way, and because tomorrow is celebrated International Women’s Day, here are some tips to move in that direction.

1. Care: Take Control of Money

Control of Money

The goal is to get to know the course of your money: how much you earn, how much you spend, where you spend, how much you save and in what products you invest. That is, you should make a family budget. Read the ” Budgeting Guide “.

2. Learn more about investments

Investments

Get over this aversion to money. Read newspapers, magazines or websites: Know the product before investing, evaluate if it fits your profile. Once you decide where to invest, regularly check your portfolio. Reinvigorate capital gains on investments rather than let them “sleep” on the current account. If necessary, get help from a financial manager.

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Consolidation of Credits for Companies http://fiji-faqs.com/consolidation-of-credits-for-companies/ http://fiji-faqs.com/consolidation-of-credits-for-companies/#respond Wed, 13 Mar 2019 13:49:21 +0000 http://www.fiji-faqs.com/consolidation-of-credits-for-companies/ Continue reading "Consolidation of Credits for Companies"

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We have already published a number of articles on strategies and tips for companies in corporate credit, however, we have never applied a strategy used by households to reduce the burden of their credit responsibilities, the consolidation of credits.

Consolidating loans has many advantages for families and companies, and in the latter case, the advantages can be significant and extremely important, especially in times of scarce liquidity.

 

Liquidity Problems Bring Financial Disruption

Liquidity Problems Bring Financial Disruption

From the experience I have, there are innumerable cases of companies that start their processes of financial control on the liquidity side. The excess of short-term credits and the latter’s pressure on the company’s treasury makes the latter see its responsibilities to banks and suppliers compromised.

This scenario gives rise to the first delays with suppliers, constant requests for payment postponement, and, in extreme cases, defaults on banks and the State.

Pay Attention to Signs of Financial Disruption

Pay Attention to Signs of Financial Disruption

Detecting these small financial dislocations is a task not only for the company manager but also for the manager of your bank.

However, most of the time this does not happen. The bank manager sees the company’s cash requirements as a business opportunity, promoting more cash products, such as checking account credits or promissory notes.

This harsh reality leads companies to significantly increase their credit responsibilities by stifling their liquidity in the medium term.

You are the manager of your company.

You are the manager of your company.

As much as it costs such an affirmation the manager of your company is you, the entrepreneur. No matter how much you believe in your company, you should see it as a real business, where all elements are negotiated and your company’s reputation with all partners depends on the quality of your business indicators.

Believing that moments of bonanza will come and that all the work and sacrifice you do today for your company will be rewarded in the future is correct, however, allowing today your company is hiring excessive responsibilities for the future can absorb all your effort .

Your account manager will advise you on solutions for your business but will not manage your business. You should evaluate each solution, the pros and cons and your ability to cope with such solutions, especially if these are business credits.

Can Save A Lot Of Money To Consolidate Credit

Can Save A Lot Of Money To Consolidate Credit

A credit solution widely used by households, especially when they are already in default with banks.

The Consolidated Loan is also available to companies so that they can ease the burden of the monthly financial charges in their treasuries. However, neither businesses nor families need to wait for the first failure to access this credit solution. They should do so whenever they detect possibilities of future default.

In the case of companies, this tool gains more prominence and importance when the credit portfolio of the latter is made up of short-term financing, such as current account credits with interest rates averaging 6%, discount of effects where rates interest rates are around 10%, overdraft facilities where average rates are around 16%, credit cards with rates higher than 20% and loans with interest rates of around 6%.

Consolidation of Credits to Save Your Company

Consolidation of Credits to Save Your Company

Consolidation thus emerges as an effective tool for renegotiating corporate credit. It is defined as the possibility of having a single loan, of a value less than the sum of the monthly payments of the various loans, by the payment of a lower interest rate and by an extension of the term of the financing.

The possibility of concentrating all of its liabilities in a single installment will allow the financial weight of the latter to be reduced in the corporate treasury, especially if the consolidation is in the medium and long term and consists mainly of short-term loans.

Is Entrepreneur in Individual Name?

Is Entrepreneur in Individual Name?

If you are an individual entrepreneur, you can also look at personal credit consolidation as an additional way to save some more money. Why not use the consolidated credit simulator?

 

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New car? Car Loan Care http://fiji-faqs.com/new-car-car-loan-care/ http://fiji-faqs.com/new-car-car-loan-care/#respond Sun, 10 Mar 2019 14:23:13 +0000 http://www.fiji-faqs.com/new-car-car-loan-care/ Continue reading "New car? Car Loan Care"

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There is news that comes up and it seems that we no longer hear them, because they are so recurrent that we do not bind them. But it is worrying not to stop to think about what is happening with the granting of credit in Portugal.

 

Credit Is Not Something Bad to Start!

Credit to Start

With the premise that credit does not have to be something wrong at the outset, I can not fail to reflect on the significance of the data released by the Bank of Portugal regarding the granting of credit (May period). What is striking is not only the increase in credit in general, but the fact that it is the car loan that continues with successive growths.

At the moment the car loan has an increase of 32% of the amount financed compared to the same period of the previous year. We know that the automobile is a necessary asset for the overwhelming majority of the Portuguese, but is it synonymous with having to resort to credit?

Is The Economy Even Better?

Is The Economy Even Better?

Do not the existing payment facilities lead us to opt for something better than we need? I do not speak of any particular case, nor do I want to be accused of speaking out loud to say that the Portuguese live beyond their means, I just want to launch preventive reflection. That is, for those who feel that the economy is better and that is why it equates to change of car, I ask that you do not forget what we have lived in the last years. A credit is always a prison.

We are buying money to anticipate a present need. And the focus must be on the word “need.” It is not because there are better conditions than credit. I must do it if I have a need that justifies going to “buying money”. The durability of the car or the pleasure we take away from it, is independent of financial responsibility.

Credits Are Prisons That Last A Lot Of Time

Credits

I may not even have the car, but the credit will always have to pay for it. We have witnessed the phenomenon of growing consumer confidence, but this confidence is not based on increased debt. Consumption is good for the economy but when it is based on excessive recourse to credit, we may just be pushing with the belly problems forward.

 

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Housing Loans for the Disabled with New Rules http://fiji-faqs.com/housing-loans-for-the-disabled-with-new-rules/ http://fiji-faqs.com/housing-loans-for-the-disabled-with-new-rules/#respond Fri, 08 Mar 2019 15:15:45 +0000 http://www.fiji-faqs.com/housing-loans-for-the-disabled-with-new-rules/ Continue reading "Housing Loans for the Disabled with New Rules"

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For people with disabilities, there is good news on the horizon: the new subsidized housing credit scheme for people with disabilities will come into effect. Law nº64 / 2014, which regulates this new regime, has already been published in the Diário da República and brings new measures aimed at protecting consumers who have these specificities and facilitating access to subsidized credit. Among the main novelties is the fact that the contracting of life insurance by the lender is no longer compulsory. In addition, the legislation also provides that consumers can access this scheme at a later time than when credit has been acquired if they have in the meantime acquired a disability with a degree of total disability equal to or greater than 60%. Learn in detail what will change. See pegasus-one.org for a summary

 

1. What changes?

1. What changes?

Up to now, people with a disability (with a degree of total incapacity or above 60%) when they needed to make a mortgage loan could access the same conditions that benefit workers of credit institutions, which gave them access to the possibility to buy or build a house with more favorable financing conditions. However, the regime that is still in force (see Decree-Law 43/76 and Decree-Law 230/80) has several limitations. On the one hand, and according to a criticism pointed out by Deco, requires that consumers with disabilities comply with the same requirements applied to workers in the financial sector, without regard to their specificities. In addition, and according to the same association, when the deficiency is acquired when there is already a loan contracted, it is not always easy to switch to the subsidized scheme. Under the new regime, this situation is changing. The law provides for greater ease in the migration of credit from the general scheme to the system of granting subsidized housing loans to persons with disabilities. “When the borrower has acquired a degree of incapacity under the terms of Article 3 (a) after the date of signature of a mortgage credit agreement … the mortgage loan is necessarily migrated to the present regime, “says article 6 of the new diploma.

Also the contracting of a life insurance is no longer compulsory. It should be recalled that financial institutions require clients to take out two home loan insurance: life insurance and multi-risk insurance. However, people with disabilities, because of their specificities, face many difficulties in finding insurers that are available to conclude life insurance. To circumvent these limitations, the new law even says: “The contracting of life insurance to access the conditions provided in housing loans to persons with disabilities is not mandatory.” As far as the financing conditions are concerned, the decree states that credits granted under this scheme will benefit from a bonus corresponding to the difference between the reference rate for the calculation of rebates (TRCB) – or the contractual interest when it is lower than the TRCB – and 65% of the minimum rate applicable to the main refinancing operations of the ECB. It is recalled that the payment of this bonus is assumed by the State.

 

2. What are the necessary conditions for accessing the new regime?

What are the necessary conditions for accessing the new regime?

To be able to access the new housing credit scheme, people will have to meet a number of requirements. To know:

– have a degree of incapacity total or superior to 60%;

– Be over 18 years old;

– The maximum amount of the loan to be granted can not exceed 190 thousand euros, and the financial guarantee ratio is 90%;

– The maximum term of the loan is 50 years. However, this time frame is dependent on the maximum age of the customer at the end of the contract. Remember that this is a variable that is defined by the bank itself.

– The loan can not be used for the “acquisition of fire of the property of ancestors or descendants of the person concerned”;

– The borrower can not sell the property acquired under this scheme within five years after the date of conclusion of its loan agreement. If this happens, “the borrower is obliged to pay the amounts of the bonuses he has received, plus 10%”. However, there are some situations that escape these penalties. It is, for example, the case of borrowers who sell the house before the five-year period on grounds of unemployment, death of the holder, change in the size of the household or occupational mobility.

 

3. What documents do I need?

documents

In order to be able to access this new regime, citizens with disabilities must, in addition to the documents required by the credit institutions, present a medical certificate “of multipurpose incapacity, proving the degree of incapacity of persons with disabilities”. In addition, it is compulsory for citizens to submit the last statement of tax “available for personal income tax or, in the case of exemption from presentation, other official documents issued by their respective finance department”, explains the statement. which governs the new regime. In addition, they will also have to make a declaration, under an honorary agreement, that they are not holding another loan under any subsidized credit scheme.

 

Armed Forces excluded from this new regime

Not all people with disabilities will benefit from the conditions laid down in this new regime. This is because according to the Bank of Portugal, the disabled of the armed forces will continue to be subject to the subsidized credit conditions that are currently in force.

 

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How to buy a house for finance? http://fiji-faqs.com/how-to-buy-a-house-for-finance/ http://fiji-faqs.com/how-to-buy-a-house-for-finance/#respond Thu, 21 Feb 2019 15:17:49 +0000 http://www.fiji-faqs.com/how-to-buy-a-house-for-finance/ Continue reading "How to buy a house for finance?"

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In the first three months, properties were sold by the Finance Ministry, according to statistics published in the Finance Portal, updated in March. If you want to invest in real estate or are in the market looking for a home to live in, Finance auctions may be an option, since it is possible to buy real estate with 40% discounts on market prices, according to Proteste Investe . Learn how to buy property pledged by the Tax Authority. Read the article Eight steps to buy house

 

Three types of sale of real estate auctioned

Three types of sale of real estate auctioned

There are three modalities to make the purchase: through electronic auction, proposal in closed letter and private negotiation. The sale is preferably made through an electronic auction or, in its impossibility, through closed proposals, in accordance with article 248 of the Code of Procedure and Tax Procedure.

The sale by electronic auction takes place for 15 days and is valued at 70% of the value of the property tax (VPT) of the property. If there are no tenders, the tender procedure is closed and the base value is reduced to 50% of the VPT. Again, if no proposals are submitted, a new electronic auction will open, which will run for 15 days. It may also happen that the Treasury determines the sale through another modality, such as the private sale, this time without base value. Check here the finance properties that are available for auction.

 

1. Electronic auction

1. Electronic auction

The electronic auction is carried out in the Finance Portal, in the option “electronic sale of goods”, in the “electronic auction” functionality. To bid, you will need to authenticate with taxpayer number and password. The day and the opening and closing times of the electronic auction are set by the Finances and proposals must be submitted by the designated day and time. Only proposals of value equal to or greater than the base value of the sale are accepted, and then the higher value proposition is chosen.

In each sale the information of the base value and the value of the highest bid is shown. Once submitted, tenders may not be withdrawn. On the day and time designated for the auction, the tax enforcement agency decides on the adjudication of the assets. The result of the electronic auction is made available on the Finance Portal to all bidders after authentication.

 

2. Proposal in closed letter

Proposal in closed letter

The proposal may be sent by enclosed letter by electronic transmission of data or by hand in Finance. If you wish to opt for the online path, you must register with the Finance Portal and access the “Electronic Sale Paid Goods”. Select, in the advertisement, the detail of the property and select “deliver proposal”. You must enter the tax identification number and password to access the TA portal, indicate the value of the proposal and click on “submit proposal”. If the proposal is lower than the basic value of the goods for sale (article 250 of the CPPT), it will not be submitted. If confirmed, the tender is considered to have been delivered and the system issues a supporting receipt.

The proposal in a sealed letter is encrypted and its existence or content can not be known until the opening of proposals. All proposals submitted will be opened together and simultaneously with those delivered on paper. Once they have been opened, the procedure (including the award) can be consulted on the TA website for a period of 30 days by the proposers who have submitted proposals via the internet.

If you decide to present the proposal in the Finance department, you must present it in a closed letter. In the envelope must be the sales number. The Finance Department registers the proposals in the computer system and hands the receipt to the submitter. At the time of opening of tenders, the finance department responsible for the sale inserts the content into the system, validating or rejecting them, according to whether or not they comply with the legal requirements. Then, the computer system provides the Finance department with the content of the proposals delivered through the Internet.

 

3. Private negotiation

Private negotiation

In the case of real estate, the sale through other means, other than the electronic auction or the closed letter, only takes place if: on the day designated for the opening of tenders, closed sale, has no bidders or only proposals for value below the base value; Or if it is determined by the top manager of the service.

If there is urgency in the sale of goods or these are of value no more than 40 units of account (4,080 euros), the enforcement body can determine the sale by private negotiation. In the case of a private negotiated sale, the name or signature of the executor, the body responsible for the proceedings, the summary identification of the property, the place, the period and the time at which it can be examined, are publicized on the Internet. base value of the sale and the name or business name of the dealer.

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Want to Have a Free Life Start Managing Debt http://fiji-faqs.com/want-to-have-a-free-life-start-managing-debt/ http://fiji-faqs.com/want-to-have-a-free-life-start-managing-debt/#respond Tue, 05 Feb 2019 13:21:02 +0000 http://www.fiji-faqs.com/want-to-have-a-free-life-start-managing-debt/ Continue reading "Want to Have a Free Life Start Managing Debt"

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  • Having debt free of life Salary has come Must pay the debt first And there is not enough money left to be used in other areas Like traveling abroad Go to invest And reserve money in case of illness
  • If there is a debt, must change their behavior again. Starting from consciousness Accounting for income and expenses And debt analysis Pay out all the high interest debt. Or refinancing to lower the cost of debt And if still having a habit of swiping credit cards To switch to a debit card instead
  • Do not create additional debt, reduce expenses, increase income. And have discipline in debt repayment Will have the freedom to choose to live in other areas

The lack of debt … is a noble fortune !! Easy way Try to explore that in our own accounts, there are more assets or liabilities. If we still have to pay various interest Both from home loans, car loans, interest on credit cards and other debts that show that we still have liabilities But will it be a lot? We should compare to the assets we have, such as cash or portfolios. And see if the debt ratio is greater than our assets or not If the debt ratio is more than that We have obligations to bear risks. Therefore may cause the freedom of our lives to disappear Because of the burden that we have to bear Until unable to do anything

The freedom in this article does not mean financial freedom. But means freedom in life With financial freedom, Thui had written an article to read. Can go back and read back together

Why is there a lot of debt burden? So there is no freedom in life ?

Why is there a lot of debt burden? So there is no freedom in life ?

Pui Tui wants to think easily. Imagine that if we work each month with exhaustion Get a certain amount of salary, such as 50,000 baht, but we have to take the money to pay most of the debt, such as a car loan 15,000 baht and another part to install a house or condo, another 20,000 baht, so we will have the remaining money to spend personally 15,000 baht per month only In order to live enough life with various daily expenses Thui thought it was simple. One month, the average amount can be spent about 500 baht per day. Or fitness, fitness Expenses Another unexpected

If we want to go to live like traveling abroad Or provincial Therefore almost impossible Or who is eating Or if the family is sick And cannot use the right to withdraw anything So then you can’t do what you want. Due to limited budget per day!

Seeing the lack of freedom of life ?

Debt burden each month Is a brace that makes us free in life Therefore, if wanting to have a free life Let us manage these liabilities well first. The first priority is to adjust the spending behavior. Start from where you first And then go to the family. The main steps include

Consciousness before spending and accounting for income and expenses

Consciousness before spending and accounting for income and expenses

Debt management Will have no effect If we don’t know how much each month’s income is, the simple but important way is to record income. Categorize well Which one is a regular expense Which is the variable expenditure And concluded each month that Our expenses are gone with nothing that is not necessary. And we will know that Oh, the unnecessary expenses may be more than necessary.

Debt analysis Debt restructuring  

Divide the debt group. See how The liabilities we have Is a short-term debt or long-term debt The simple dividing principle used is that if the debt burden is less than 1 year, it is considered a short-term debt such as a credit card, but if the long-term debt burden is more than 1 year, such as home or car debt

Let’s compare that. How much is the interest to be paid, such as a 20% credit card interest rate per year, a 5% car interest rate per year? How much do you need to pay per month? Compared to monthly income Tui hyung told us to try to close the high interest debt first. If there are many debts with equal interest rates To manage all small debts first In order to release each type of debt

If it is a long-term debt with high interest But can relax to reduce the flower We should hurry to find the money to cover to reduce as early as possible. In order to pay interest as little as possible Or another popular method called refinance

Debt from high cost to lower cost Which is often used in property loans that interest is often cheaper in the early years of installments And interest can be floating in the long term Did you know If borrowing to buy a condo worth 2 million baht at an interest rate of about 7% for a period of 30 years. Therefore, the total burden of interest must be paid 2,790,000 baht. Oh, the interest is more expensive than the condo value! So hurry to manage the debt to a minimum, the most sensitive will have the money left to do anything that wants to do something else

Additional techniques Change from credit card to debit

Additional techniques Change from credit card to debit

If we know that Like to use the future money in advance and be the person who likes to pay the minimum Must compare the character by urgently Because the interest from credit cards is very high If the habit cannot be changed, the card must be replaced. Change from credit card to debit card. Because it is the amount that really needs to be spent when buying something, must think first Consciousness Satang will increase by itself.

By summarizing debt management to make life free Not trapped in debt Ask yourself first. We need or just want if needed. Came to think about the ability to pay off debt, usually in the concept of financial planning Debt management or the ability to pay should not exceed 30-40 % of income each month. In order not to be too burdensome to the freedom of living, other aspects are summarized as important principles. Do not create additional debt, reduce expenses, increase income. And have discipline in debt repayment So before being indebted, think a little before planning every time. Will have the freedom to choose to live in other areas, some more or less.

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