Subscribe to a hypercholesterol loan insurance

Hypocholesterol loan insurance

Hypocholesterol loan insurance

You intend to finance the purchase of real estate by taking out a mortgage but you suffer from a health problem? In case of hypercholesterol, the lending bank may refuse to grant you group loan insurance or ask you to pay more. So you have every interest in finding another loan insurance that covers you with this risk of hypercholesterol without you having to pay your credit cover too expensive.

Compare insurance loans risk aggravated health hypercholesterol

Compare insurance loans risk aggravated health hypercholesterol

Use the Insurance Loan Insurance Loan-not-expensive online insurance comparitor to find the best health insurance hypercholesterol risk insurance market and choose the contract that is most advantageous.

  • Comparator insurance loan
  • Credit guarantee rate
  • Borrowing insurance quote

Provide a loan for hypercholesterol

Provide a loan for hypercholesterol

Although it is not a legal requirement to subscribe to loan insurance to secure a home loan, banks usually require borrowers to subscribe to them for long-term credit. But according to the law, you are free to take out your loan insurance outside the lender. So you can go in search of the health insurance loan specific hypercholesterol health risk that is the cheapest on the market.

Your bank’s group insurance policy may include many exclusions, including the risk of hypercholesterol risk. This means that this insurance may be refused to you or your banker will ask you to pay a premium to insure you. And the cost of your loan insurance can then rise sharply. By opting for the “insurance delegation”, which is the fact of taking out your loan insurance contract with an insurance company external to your bank, you can benefit from a customized individual loan insurance that covers you with the risk hypercholesterol while being cheaper than the insurance of the bank.

Delegation insurance hypercholesterol

Make the choice of an insurance delegation risk hypercholesterol to find the hypercholesterol loan insurance that will allow you to get your mortgage and make you better and cheaper than with the group contract of your bank.

  • Custom study insurance hypercholesterol
  • Hypercholesterol risk health questionnaire
  • Free reminder of a dedicated advisor

Delegate your hypercholesterol health risk loan insurance with Loan-Loan Insurance

By using the insurance broker-Loan-not-expensive for your health insurance risk hypercholesterol insurance, you choose among the best insurance delegation contracts of the largest insurers and companies specializing in aggravated health risks hypercholesterol. With Insurance-Loan-Not-Expensive, you are well insured while saving on the cost of your insurance borrower with hypercholesterol.

 

Subscribe to a hypercholesterol loan insurance

Hypocholesterol loan insurance

Hypocholesterol loan insurance

You intend to finance the purchase of real estate by taking out a mortgage but you suffer from a health problem? In case of hypercholesterol, the lending bank may refuse to grant you group loan insurance or ask you to pay more. So you have every interest in finding another loan insurance that covers you with this risk of hypercholesterol without you having to pay your credit cover too expensive.

Compare insurance loans risk aggravated health hypercholesterol

Compare insurance loans risk aggravated health hypercholesterol

Use the Insurance Loan Insurance Loan-not-expensive online insurance comparitor to find the best health insurance hypercholesterol risk insurance market and choose the contract that is most advantageous.

  • Comparator insurance loan
  • Credit guarantee rate
  • Borrowing insurance quote

Provide a loan for hypercholesterol

Provide a loan for hypercholesterol

Although it is not a legal requirement to subscribe to loan insurance to secure a home loan, banks usually require borrowers to subscribe to them for long-term credit. But according to the law, you are free to take out your loan insurance outside the lender. So you can go in search of the health insurance loan specific hypercholesterol health risk that is the cheapest on the market.

Your bank’s group insurance policy may include many exclusions, including the risk of hypercholesterol risk. This means that this insurance may be refused to you or your banker will ask you to pay a premium to insure you. And the cost of your loan insurance can then rise sharply. By opting for the “insurance delegation”, which is the fact of taking out your loan insurance contract with an insurance company external to your bank, you can benefit from a customized individual loan insurance that covers you with the risk hypercholesterol while being cheaper than the insurance of the bank.

Delegation insurance hypercholesterol

Make the choice of an insurance delegation risk hypercholesterol to find the hypercholesterol loan insurance that will allow you to get your mortgage and make you better and cheaper than with the group contract of your bank.

  • Custom study insurance hypercholesterol
  • Hypercholesterol risk health questionnaire
  • Free reminder of a dedicated advisor

Delegate your hypercholesterol health risk loan insurance with Loan-Loan Insurance

By using the insurance broker-Loan-not-expensive for your health insurance risk hypercholesterol insurance, you choose among the best insurance delegation contracts of the largest insurers and companies specializing in aggravated health risks hypercholesterol. With Insurance-Loan-Not-Expensive, you are well insured while saving on the cost of your insurance borrower with hypercholesterol.

 

Credit Work Pool: how to anticipate its financing!

 

Do you imagine having a pool in your backyard? This project represents a big budget, that it is not always probable to finance cash.

Pool credit could be a way to make your project a real possibility without waiting for the full income.

Give living to your project with a swimming pool credit

Give life to your project with a pool credit

The tasks behind a desire for going swimming are numerous:

  • You live in a sunny area and want to have a water stage in your garden to cool-down in fine weather.
  • You love to go swimming, a pool at home would certainly offer you the comfort associated with indulging your favorite sport with out moving from home.
  • You have children and aspire to share good moments along with family thanks to a pool.
  • You want to include value to your home: a swimming pool is always a plus, which boosts the economic value of real estate.

The pool credit is the solution to recognize your dream:

  • You can buy or have your swimming pool built even if you do not have the required savings immediately.
  • The pool credit is perfect for everyone: owners of principal residence, secondary, but also in order to tenants.
  • The particular pool credit can allow you to definitely finance the ancillary expenses: robot, tarpaulin, shelter home heating, etc .
  • The eye rates are down plus make the pool loans actually interesting.

How much to borrow for that purchase of your pool?

How much to borrow for the purchase of your pool?

To know the amount to lend, everything depends on the type of swimming pool you want to have:

  • How to install the particular pool:
    • Semi-underground and buried pools: this to be provided for these private pools is quite significant because, besides the price of the pool, it is crucial to budget the work which will be essential to the installation of the swimming pool (earthworks, drainage, etc . ). In total, an underground swimming pool can cost between 10 500 and 30 000 € on average.
    • Swimming pools above ground: this type of swimming pool is cheaper because they property directly on the floor of your backyard. Expect between 250 plus 15 000 € based on its size and the high quality of the pool.
  • The layer used:
    • For the wooden pool: expect among € 2, 000 plus € 11, 000 with respect to the type of pool and the high quality of the wood.
    • For concrete: the first costs start at 10, 000 or even 25, 000 €, based on the concrete structure.
    • For a polyester shell swimming pool: if installed by an expert, count between 15, 1000 and 30, 000 €.

The acquisition of the pool will necessarily include additional costs, which should be taken into account:

  • Robot or vacuum swimming pool, for easy maintenance: anticipate on average € 1, 1000.
  • Tarpaulin or even shutter, to keep the heat of the pool at night: expect regarding 30 € per m² for a manual model, with least 70 € for each m² for an automatic design.
  • Security program: an alarm and / or the barrier around the pool is going to be essential. A removable hurdle costs between € one, 000 and € two, 000 for a pool associated with standard dimensions. Submerged sensors cost at least 250 €.

Do you realize?

A swimming pool is a big budget. The option of the professional to who you entrust this task must be considered:

  • Make sure that the swimming pool is well listed.
  • Check that it offers a good after-sales service, as well as a ten-year guarantee, which protects the particular possible malfunctions of your pool over the next 10 years.
  • Be wary of as well tempting offers, they can occasionally hide a lack of quality.

Which swimming pool credit to choose?

Which pool credit to choose?

The particular credit to finance the swimming pool is a work mortgage. There are different ones:

  • The loan allotted: with the amount borrowed through an assigned credit, you need to provide evidence that your costs correspond to the property provided just for in the loan agreement. In case you ultimately do not buy a swimming pool, the loan agreement can lapse.
  • Personal bank loan: the amount borrowed can be used when you wish. You will not need to warrant your expenses.

To note:

The loan works may borrow between 200 plus 75 000 € optimum. The maximum repayment term can vary depending on which lending company you are dealing with, but may generally be up to 10 years.

The revolving credit score, or formerly known as “revolving”, is another option. Its concept is to put at your disposal the reserve of money, to use as you want, in whole or only simply.
As you pay back the loan, the money provide is rebuilt.

Did you know?

It really is mandatory to secure the swimming pool by equipping it along with at least one of these elements:

  • a defensive barrier;
  • a good audible alarm
  • a tarpaulin or safety blanket;
  • the pool enclosure that totally covers the pool.

If you do not regard this obligation, you danger a fine of up to € forty five, 000.

Ways to get the personal loan for your swimming pool?

How to get the personal loan for your pool?

Our comparator will help you to have access to the best rates associated with work loans negotiated with the partners. You indicate the total amount you wish to borrow, the pay back term, and you will have access to the particular credit rates that match your needs.

When the lender has chosen, it will eventually ask you for the required documents to develop your document (non-exhaustive list):

  • a proof of deal with of less than 3 months;
  • a valid proof of identification;
  • your final 3 statements of accounts, as well as those of your spouse in the event that he / she is co-owner from the loan;
  • your own last 3 pay slides and those of your spouse.

The items to become provided may vary slightly with respect to the establishment you are using. Right after analyzing your file, we are going to send you a personalized mortgage offer. After signing the particular offer, you have 14 days in order to exercise your right associated with withdrawal.

Loan Insurance for Hemophiliac Borrower

 

Loan Insurance and Aggravated Health

Loan Insurance and Aggravated Health

Getting a loan insurance with a health problem like hemophilia is finally possible! Get a loan insurance quote to secure your loan despite an aggravated health risk hemophilia. Hemophilia should not prevent the borrowing of money from your bank or another organization. Cheap loan insurance will do everything possible to allow a sick borrower to subscribe to death insurance, for a real estate project or other.

Take out loan insurance for hemophilia

Take out loan insurance for hemophilia

You want to buy a mortgage and have hemophilia?
The fact that you have this condition can be a barrier to obtaining your home loan because of a loan insurance refusal, an excessively expensive insurance premium or a guarantee exclusion related to your property. disease.

Group insurance of the bank and hemophilia

Hemophilia is a serious disease of the blood. Of genetic origin, it generally affects only men in whom it causes hemorrhages. In France, we have around 6000 people with hemophilia.

For banks and insurers, hemophilia is an “aggravated health risk”. Thus, when you apply for a mortgage loan from your bank, it is likely to refuse to grant you its group insurance and therefore refuse your loan. In fact, group insurance is not adapted to cover specific risks because it is designed to protect its subscribers at an average level by spreading the risks between them.

You are therefore advised to anticipate your loan insurance research process before submitting your mortgage application to your bank.

Quote insurance health risk loan hemophilia

Quote insurance health risk loan hemophilia

Compare insurance offers and get the best hemophilia loan risk insurance quotes from the market using the insurance comparator loan insurance-loan-cheap.

Loan Insurance for Hemophiliac Borrower

 

Loan Insurance and Aggravated Health

Loan Insurance and Aggravated Health

Getting a loan insurance with a health problem like hemophilia is finally possible! Get a loan insurance quote to secure your loan despite an aggravated health risk hemophilia. Hemophilia should not prevent the borrowing of money from your bank or another organization. Cheap loan insurance will do everything possible to allow a sick borrower to subscribe to death insurance, for a real estate project or other.

Take out loan insurance for hemophilia

Take out loan insurance for hemophilia

You want to buy a mortgage and have hemophilia?
The fact that you have this condition can be a barrier to obtaining your home loan because of a loan insurance refusal, an excessively expensive insurance premium or a guarantee exclusion related to your property. disease.

Group insurance of the bank and hemophilia

Hemophilia is a serious disease of the blood. Of genetic origin, it generally affects only men in whom it causes hemorrhages. In France, we have around 6000 people with hemophilia.

For banks and insurers, hemophilia is an “aggravated health risk”. Thus, when you apply for a mortgage loan from your bank, it is likely to refuse to grant you its group insurance and therefore refuse your loan. In fact, group insurance is not adapted to cover specific risks because it is designed to protect its subscribers at an average level by spreading the risks between them.

You are therefore advised to anticipate your loan insurance research process before submitting your mortgage application to your bank.

Quote insurance health risk loan hemophilia

Quote insurance health risk loan hemophilia

Compare insurance offers and get the best hemophilia loan risk insurance quotes from the market using the insurance comparator loan insurance-loan-cheap.

Take out a loan insurance when you wear a pacemaker

Be aware that the loan insurance of the bank may not be granted because it only covers the average risk of the standard population and wearing a pacemaker is classified in the “aggravated health risks”, which are “exclusions” from this type of contract. And without the provision of loan insurance to secure a mortgage, no bank lends money.

Guarantee your loan when you wear a pacemaker

Guarantee your loan when you wear a pacemaker

Play the competition between insurers to find a loan insurance policy adapted to the management of your aggravated health risk pacemaker! The “group contract” of the banks is a group insurance whose principle is to spread the risks between the insured and not generally covering the aggravated health risks, the business risks and the sports or leisure risks. The fact that you wear a pacemaker is an aggravated health risk, you must find the insurers who will agree to secure your mortgage and choose the best insurance contract health risk pacemaker market.

Start looking for the best loan insurance pacemaker

Thanks to the Congilaw company of 1 September 2010, borrowers can subscribe, if they wish, other loan insurance than that of the bank. It is then a “delegation of insurance”. So you have the opportunity to compete between insurance companies and specialized insurers to choose the pacemaker loan insurance contract that will present the lowest price and guarantees best suited to your situation.

Compare the specific health risk loan insurance pacemaker

Compare the specific health risk loan insurance pacemaker

Using Loan Insurance’s cheap online loan insurance comparator, you’ll quickly and directly compare the best pacemaker risk-specific loan insurance offerings from leading insurers and risk companies. aggravated health.

  • Comparator insurance pacemaker loan
  • Pacemaker credit insurance rate
  • Guaranteed customized study
  • Follow-up of a dedicated advisor

Delegate your risk insurance loan pacemaker with insurance-of-loan-not-expensive!

Making the choice to delegate your insurance with the Insurance-Loan-Not-Expensive broker is to get the best pacemaker loan insurance contract out there and be certain that your bank will accept it. With insurance-of-loan-not-expensive, you insure your mortgage in the best conditions!

AERAS convention device

AERAS (Insurance and Borrowing with an Enhanced Health Risk) the device helps people with an increased health risk in order to find a solution for them to ensure and thus access the loan.

  • insurance delegation
  • the AERAS convention
  • the Congilaw company and Mahon Law

 

Take out a loan insurance when you wear a pacemaker

Be aware that the loan insurance of the bank may not be granted because it only covers the average risk of the standard population and wearing a pacemaker is classified in the “aggravated health risks”, which are “exclusions” from this type of contract. And without the provision of loan insurance to secure a mortgage, no bank lends money.

Guarantee your loan when you wear a pacemaker

Guarantee your loan when you wear a pacemaker

Play the competition between insurers to find a loan insurance policy adapted to the management of your aggravated health risk pacemaker! The “group contract” of the banks is a group insurance whose principle is to spread the risks between the insured and not generally covering the aggravated health risks, the business risks and the sports or leisure risks. The fact that you wear a pacemaker is an aggravated health risk, you must find the insurers who will agree to secure your mortgage and choose the best insurance contract health risk pacemaker market.

Start looking for the best loan insurance pacemaker

Thanks to the Congilaw company of 1 September 2010, borrowers can subscribe, if they wish, other loan insurance than that of the bank. It is then a “delegation of insurance”. So you have the opportunity to compete between insurance companies and specialized insurers to choose the pacemaker loan insurance contract that will present the lowest price and guarantees best suited to your situation.

Compare the specific health risk loan insurance pacemaker

Compare the specific health risk loan insurance pacemaker

Using Loan Insurance’s cheap online loan insurance comparator, you’ll quickly and directly compare the best pacemaker risk-specific loan insurance offerings from leading insurers and risk companies. aggravated health.

  • Comparator insurance pacemaker loan
  • Pacemaker credit insurance rate
  • Guaranteed customized study
  • Follow-up of a dedicated advisor

Delegate your risk insurance loan pacemaker with insurance-of-loan-not-expensive!

Making the choice to delegate your insurance with the Insurance-Loan-Not-Expensive broker is to get the best pacemaker loan insurance contract out there and be certain that your bank will accept it. With insurance-of-loan-not-expensive, you insure your mortgage in the best conditions!

AERAS convention device

AERAS (Insurance and Borrowing with an Enhanced Health Risk) the device helps people with an increased health risk in order to find a solution for them to ensure and thus access the loan.

  • insurance delegation
  • the AERAS convention
  • the Congilaw company and Mahon Law

 

Subscribe to a loan insurance for high blood pressure

 Get health insurance

 Get health insurance

Hard to get a loan insurance ready when you have health problems, no excessive premium! You have high blood pressure and want to finance your project by taking out a loan? Your can be a barrier to getting your loan due to a loan insurance refusal. Play the competition to find the Loan Insurance you need to borrow!

Anticipate your steps by going in search of the best insurance risk market that will allow you to borrow!

Anticipate your steps by going in search of the best insurance risk market that will allow you to borrow!

To receive the best loan insurance quotes with, compare the various health risk aggravated insurance offerings available on the market, using the free insurance comparator loan and no commitment available to you on the site. Once your comparative loan insurance done, you can ask to receive the quotes of the cheapest offers offering the best protection for your risk of hypertension.

Health insurance premium risk quote

Health insurance premium risk quote

Loan Insurance and

is too high a pressure of the blood circulating in the arteries. Many people today have high blood pressure and do not necessarily know it. The problem is that an can be greatly aggravated by weakening the walls of the arteries and forming an aneurysm that can rupture and lead to internal bleeding. An can also lead to pulmonary edema, heart failure or touching the kidneys, eyes…

Should we lie about his state of health?

The medical form you need to answer allows the insurer to assess the “risk” of insuring you.
If you forget to specify ailments and that these problems cause an “unfit to work”, you expose yourself to a breach of insurance insurance contract. So no one should not lie when reporting on the medical insurance loan record.

Compare insurance for loan

Compare insurance for loan

The borrower is no longer obliged to subscribe to the insurance offered by the bank; look for external loan insurance. Play the competition and if you find better, subscribe! For your convenience, some companies and brokers specialize in managing health risks. They will know how to get the best deal for you. A tip: Contact the sick / disabled people’s associations to compare the best loan insurance deals.

Aeras Convention

The adopted AERAS convention makes it easier to access loans from borrowers who present a health risk (). The insurance broker of cheap loan depends on the insurance brokerage firm . Our knowledge of credit insurance and our expertise in risk allow us to search for the best solution adapted for the persons concerned by the AERAS agreement with the 15 insurance companies with which we are in contact.

Aware of the risk posed by an, insurers have put it on their list of “aggravated health risks”. This means first of all that the group insurance of your bank, which is a classic and collective insurance, is not adapted to cover this type of high risks and one can thus refuse you its granting. Then, by demarcating other insurers, your aggravated health risk may require the payment of a premium that can cost you if you do not play the competition.

Delegate your insurance with Loan Insurance-not-expensive!

The Congilaw company gives you the freedom to choose your loan insurance. In order for the bank to accept a “delegation of insurance”, you just need to make sure that the loan insurance contract you choose has guarantees of a level at least equivalent to those of the group insurance contract it has given you. present.

By playing the competition between insurers, you can find custom risk risk insurance that will present the lowest price on the market!

  • Compare Loan Insurance
  • loan insurance rate
  • loan insurance quote
  • Personalized Loan Insurance Study
  • health risk medical questionnaire
  • Free reminder of a dedicated advisor

By going through the specialists of the brokerage Insurance-of-loan-not-expensive, you benefit from a help and a personalized follow-up, you get your insurance contract loan at the best price / guarantee ratio and you are certain ( e) that your bank will accept its implementation to guarantee your loan.

  • Learn more about insurance delegation
  • Learn more about the AERAS convention
  • Learn more about the Congilaw company
  • Learn more about loan insurance with aggravated health risk
  • Contact an adviser specialized in aggravated risk
  • Get a Quote Insurance Quote
  • Make a comparative insurance loan

 

Subscribe to a loan insurance for high blood pressure

 Get health insurance

 Get health insurance

Hard to get a loan insurance ready when you have health problems, no excessive premium! You have high blood pressure and want to finance your project by taking out a loan? Your can be a barrier to getting your loan due to a loan insurance refusal. Play the competition to find the Loan Insurance you need to borrow!

Anticipate your steps by going in search of the best insurance risk market that will allow you to borrow!

Anticipate your steps by going in search of the best insurance risk market that will allow you to borrow!

To receive the best loan insurance quotes with, compare the various health risk aggravated insurance offerings available on the market, using the free insurance comparator loan and no commitment available to you on the site. Once your comparative loan insurance done, you can ask to receive the quotes of the cheapest offers offering the best protection for your risk of hypertension.

Health insurance premium risk quote

Health insurance premium risk quote

Loan Insurance and

is too high a pressure of the blood circulating in the arteries. Many people today have high blood pressure and do not necessarily know it. The problem is that an can be greatly aggravated by weakening the walls of the arteries and forming an aneurysm that can rupture and lead to internal bleeding. An can also lead to pulmonary edema, heart failure or touching the kidneys, eyes…

Should we lie about his state of health?

The medical form you need to answer allows the insurer to assess the “risk” of insuring you.
If you forget to specify ailments and that these problems cause an “unfit to work”, you expose yourself to a breach of insurance insurance contract. So no one should not lie when reporting on the medical insurance loan record.

Compare insurance for loan

Compare insurance for loan

The borrower is no longer obliged to subscribe to the insurance offered by the bank; look for external loan insurance. Play the competition and if you find better, subscribe! For your convenience, some companies and brokers specialize in managing health risks. They will know how to get the best deal for you. A tip: Contact the sick / disabled people’s associations to compare the best loan insurance deals.

Aeras Convention

The adopted AERAS convention makes it easier to access loans from borrowers who present a health risk (). The insurance broker of cheap loan depends on the insurance brokerage firm . Our knowledge of credit insurance and our expertise in risk allow us to search for the best solution adapted for the persons concerned by the AERAS agreement with the 15 insurance companies with which we are in contact.

Aware of the risk posed by an, insurers have put it on their list of “aggravated health risks”. This means first of all that the group insurance of your bank, which is a classic and collective insurance, is not adapted to cover this type of high risks and one can thus refuse you its granting. Then, by demarcating other insurers, your aggravated health risk may require the payment of a premium that can cost you if you do not play the competition.

Delegate your insurance with Loan Insurance-not-expensive!

The Congilaw company gives you the freedom to choose your loan insurance. In order for the bank to accept a “delegation of insurance”, you just need to make sure that the loan insurance contract you choose has guarantees of a level at least equivalent to those of the group insurance contract it has given you. present.

By playing the competition between insurers, you can find custom risk risk insurance that will present the lowest price on the market!

  • Compare Loan Insurance
  • loan insurance rate
  • loan insurance quote
  • Personalized Loan Insurance Study
  • health risk medical questionnaire
  • Free reminder of a dedicated advisor

By going through the specialists of the brokerage Insurance-of-loan-not-expensive, you benefit from a help and a personalized follow-up, you get your insurance contract loan at the best price / guarantee ratio and you are certain ( e) that your bank will accept its implementation to guarantee your loan.

  • Learn more about insurance delegation
  • Learn more about the AERAS convention
  • Learn more about the Congilaw company
  • Learn more about loan insurance with aggravated health risk
  • Contact an adviser specialized in aggravated risk
  • Get a Quote Insurance Quote
  • Make a comparative insurance loan

 

Payday Loans: How to carry out your budget for 2018?

 

A new year arrives and very surely with him some debts that were pending from the previous one. Therefore, we recommend you to be much more cautious when spending in these first three months (January, February and March) so as not to make things worse and to be able to have a healthier financial life in 2018 that is already very close.

Payday loans, debts to services, friends to whom you owe money,

Payday loans, debts to services, friends to whom you owe money,

Among many other factors, may be those who at this time take away your sleep, taking into account the time of the year in which we are, as December is one of the months where more money flows in and out of bank accounts or out of pocket, since as well as the payroll along with the famous cousin, so goes, in the blink of an eye.

Before starting to give you a solution, it is important that you remember when was the last time you took stock of your finances. The reason why this question is necessary is related to the simple fact that almost 80% of people do not keep track of what they owe or what they have or what they have achieved, but it is not that they do not have the interest To do so, they have not taken the habit of doing the judicious task because they think they may become too interested in money or even stingy.

However, this is only a myth, because if you organize and manage to plan your money management concretely, all you will achieve are excellent results: meet all your goals during the year, save a considerable amount of money and even be able to invest in a business that can generate profitability. But best of all, you won’t have to be worried about borrowing even more, with losses that mean your assets or that prevent you from applying for financial services such as Payday loans.

Surely you will be wondering what will be the most effective way to get a budget that allows you to have control of each of your personal finances, so below you will find a series of tips that can help you with this work and not die trying . It will work perfectly as long as you don’t forget to respect it and comply to the letter.

What is budget all about?

What is budget all about?

Let us define, then, what a budget is about, since it is only a safe and effective way to classify the money you receive monthly or biweekly, dividing it into income and expenses so that you can decide on its administration and on what It should be reversed. Now, to start, you only need a pencil and paper, if you want to do it in the old way, a cell phone or a computer where you can generate an Excel with the most important information. Then you can do it almost automatically.

  1. Decide: Without a doubt, the first step for anything is to make the decision to do it and have the will to comply with the agreement that you will undertake, because in the end no one but you can fulfill it. In the same way it is necessary to extend a congratulation, because if you are now reading this article it is because you are interestedly looking for a way to start correctly enjoying your financial life.

  2. How much you have: Start by making a list of all the financial products or services you have to date (credit cards, Payday loans, educational loans, free investment or mortgages, etc.) and what is the income you receive each month. Do not forget to have the interest rates charged and write down the expenses per product and the additional ones you have during the month.

  3. How much you earn: If you receive your salary monthly it will be easier to budget, but if you have a fee payment or independently, it is more complicated because it would constantly change the flow of money. If this is your case, it is most recommended that you consider the average of your recurring income for the last six months, take the minimum amount you can receive during the month so you have the option of having a “drawer” in case an emergency arises or additional expense.

  4. How much you owe: Should you always borrow or reach the maximum advance of your card because the money does not pay? If so, make a list of all your lenders and how much you owe each. If you are paying any credit it is important that you include it and if you are delinquent, you can also count on this value, so you can have a clear total of what you owe so that you can dissolve all your debts.

  5. Where do your income go: Now that you know how much the total value of what you owe is it is time to calculate from your income what is the amount you are spending in the month and very often. For this, save your invoices and make categories depending on the type of expense, they can be from the most general to the most specific, as you consider best. Some categories can be: services, leasing, food, children, transportation, among many more.

  6. What is your net worth : This is a really simple step, you just have to go back to the steps you did before, take the total value of your income and reduce the total expenses. You can get positive or negative results. In case they are favorable, you can direct the result towards saving completely or one part for entertainment and another for savings. In case your result is unfavorable, do not be discouraged and take it as an opportunity to get out of debt.

  7. Constant follow-up: The results can be seen in the long term if you do it in a disciplined way, since controlling your finances and recording them takes only a few minutes. This task must be done monthly, not only is to include your expenses or income but you must make intelligent decisions based on what is reflected in your budget for an effective administration of your money.

  8. Control will give you peace of mind: There is nothing better than living without a drop of stress, because it is more than enough with what can cause daily work or personal problems. Having financial peace of mind will certainly take a weight off of you.

Now that you have 8 key points to start making your budget, do not forget that the most important thing is to know how much is your family income, total expenses (credit cards, Payday loans, educational credits, etc.) to find your remaining money, which you can invest in whatever you want.