Archive for the ‘Personal Finance’ Category
Mastercard credit by offering a permanent credit at the time
The extra card sold can expect from its name that is credit card used to pay those purchases untimely and out of the ordinary, that is, as indicated by Sa Nostra, to deal with contingencies.
Coping with unexpected expenses, on a whim to allow time to time … these are things that can Mastercard credit by offering a permanent credit at the time, without the need for paperwork.
Allows for large purchases and pay them comfortably in small installments, which will interest of 1.50% per month (or a 19.56% annual).
Being Mastercard, makes this credit card is practically accepted worldwide and can be used to buy in stores worldwide and access cash at ATMs.
Buy what you buy, you pay the same monthly fee. When you want you can change the tax payable according to your needs (fixed monthly fee, you choose, between 5% and 50% of the limit granted, with a minimum of 30 €).
It is a card that is free the first year, with an annual maintenance fee of 18 euros. If the annual turnover is less than € 1,200 the fee is 9 €. If the annual turnover is less than € 2,500 the fee is free.
How much have in your emergency fund?
For many it is a savings account, for others the money stashed under the bed or the money in the safe, but we all know that this is money we should have for any emergency that arises. It is very important to have an emergency fund to help you overcome difficult times, say financial or emotional. Job loss, reduction in salary, coup (if you work in government) and other things can cause a financial imbalance in your life that could take months if not years to recover. If you have an emergency fund, you should begin today to do so, and if you have, take these tips to make sure you have enough.
First of all I want to start by putting more emphasis on how vital it is to save your life. I’m not saying it saves everything you earn, but you do it a priority. Set your goals for a certain amount of money you want to save each payroll, and make sure that this is the first thing to do. Visit the post on how to save for your plan.
You have to save 3 to 6 months of your expenses.
You have to budget and save at least 3 months of expenses will occur monthly. If your expenses are $ 1,500 per month, you should have a fund of at least $ 4,500. The more you save, the more time you have to put everything in order.
Take into account family emergencies
If you know that you are planning a family emergency (eg a very sick family member), you would save money to deal with the paperwork of a hospital or a funeral in the worst case, but unfortunately the only thing we are sure in life is that we are all for the same site.