suedwestumfahrung-nein.ch http://www.suedwestumfahrung-nein.ch My WordPress Blog Mon, 17 Jun 2019 15:29:28 +0000 en-US hourly 1 https://wordpress.org/?v=5.2.2 Even without a budget, you can simply control your expenses http://www.suedwestumfahrung-nein.ch/even-without-a-budget-you-can-simply-control-your-expenses/ http://www.suedwestumfahrung-nein.ch/even-without-a-budget-you-can-simply-control-your-expenses/#respond Mon, 17 Jun 2019 15:29:28 +0000 http://www.suedwestumfahrung-nein.ch/even-without-a-budget-you-can-simply-control-your-expenses/

You will not have to calculate every penny you pay if you control your expenses using prepaid debit cards, cash or gift cards.

 

The method of the envelope.

cards

In the past, the person responsible for the budget could use the “envelope method”. This required that she obtain a certain number of envelopes and that she enter categories on each of them. They included such things as “food,” “transportation,” “entertainment,” “public services,” and so on. When the pay day arrived, the person took a predetermined amount of his salary and deposited it in each envelope. Then she used it to pay each category for the whole month. This method works well because you physically see the amount of money left over during the month. You can plan your expenses accordingly.

Of course, “relying only on cash” is becoming increasingly difficult with the Internet and online payments. You can certainly use cash for some categories, but you will need to have a debit card or a credit card for others.

You want to use the budget envelope without relying solely on cash, so two options exist. The first is to use store gift cards and the other is based on prepaid debit cards.

 

Use gift cards

gift cards

In-store gift cards work well if you make all your purchases in one category at the same place. You buy a store card that covers the amount you need for the month. With each purchase, you check the balance of the card. Once the balance emptied, you must wait until the next month to start shopping again.

Gift cards do not charge, that’s a big advantage. You can carry the money to your account at no extra charge. However, you can only use them in one trade, in a single chain of stores or for one brand, this is the main disadvantage.

 

Prepaid debit cards

Prepaid debit cards

Although they often charge a fee, prepaid debit cards remain a much more flexible option. The best will allow you to check your balance online. You will not have to put each purchase in a big book.

Try to find prepaid debit cards that will save you money. To make this possible, you will set up a direct deposit, an automatic transfer or you will use your card a few times a month.

 

Prepare for the unexpected

cards

Prepaid cards, cash and gift cards will not help you with unexpected expenses. If you need to make a large purchase outside your budget, consider getting a personal loan online. These loans will exempt you from having to make an additional deposit in one of your prepaid accounts. This will also prevent you from using the credit card.

]]>
http://www.suedwestumfahrung-nein.ch/even-without-a-budget-you-can-simply-control-your-expenses/feed/ 0
Request urgent mini loan http://www.suedwestumfahrung-nein.ch/request-urgent-mini-loan/ http://www.suedwestumfahrung-nein.ch/request-urgent-mini-loan/#respond Thu, 13 Jun 2019 13:24:57 +0000 http://www.suedwestumfahrung-nein.ch/request-urgent-mini-loan/

Requesting a mini-loan with urgency is especially useful when you cannot wait for your next salary so that you can use this to resolve your urgency. When do you need the money? If it is the same day then this can be tricky, because if you apply for a mini-loan and deliver all documents quickly, the provider will probably take a while to actually transfer the amount to your account. But even then, everyone is still dependent on the bank that must make the payment.

How does that apply?

How does that apply?

The process for applying for a mini loan is not the problem, it will complete you in a few minutes. You enter the requested data online, then you click send and that is actually it. If you make sure that you scan all your papers in advance or take a good clear photo with your mobile phone, then this will certainly benefit the entire process. The sooner the lender can assess your application, the sooner it will be on your own account. 

Apply for a mini-loan urgently

Apply for a mini-loan urgently

Suppose you want to borrow an amount of 400 euros and you would like to see it appear on your account the same day. Often you know the night before that you need that amount tomorrow. Make sure you also request it in the evening or at night, if the company opens, then you are probably one of the first applications to be viewed.

18 years urgently borrow money online

18 years urgently borrow money online

According to Dutch law you are an adult from the age of 18 and you are free to decide what you do. This therefore also applies for applying for a loan. However, some providers apply different rules. You must be a parent to be eligible, sometimes this is 20 years and you also see at least 21 years. It varies a lot per provider which minimum age is used.

Need an urgent loan?

Need an urgent loan?

With a mini loan without BKR review you can speak of an emergency loan. your application will be reviewed quickly and the payment will never be delayed. Especially when you want to borrow money urgently, the mini loan is very suitable for that. Whether it is an ideal form of borrowing and why you want a mini loan is another story.

]]>
http://www.suedwestumfahrung-nein.ch/request-urgent-mini-loan/feed/ 0
Buyback of Consumer loans: For What Interest? http://www.suedwestumfahrung-nein.ch/buyback-of-consumer-loans-for-what-interest/ http://www.suedwestumfahrung-nein.ch/buyback-of-consumer-loans-for-what-interest/#respond Tue, 28 May 2019 12:16:54 +0000 http://www.suedwestumfahrung-nein.ch/buyback-of-consumer-loans-for-what-interest/

The benefits of buying back consumer loans. Consumer loans remain to the rescue of French households to bail out them in case of urgent need of cash. In 2019, nearly 8 million French people are preparing to take out this offer to give life to their projects, according to the study conducted by Cofidis / CSA Research.

The flexibility and ease of access to this type of credit are the main reasons for its success. But, it must be recognized that the accumulation of these credits leads to over-indebtedness. The solution: the credit buyback that consolidates loans into one.

 

Purchase of credits for easy and successful budget management

Purchase of credits for easy and successful budget management

Have you taken out a number of loans, receivables, debts and bank overdraft? To facilitate the management of your monthly budget, subscribe to a credit buyback agreement in order to take advantage of a unique and better rate and a monthly payment adapted to your repayment capacity.

This solution will allow you to restore new financial stability within your family. It is effective to avoid over-indebtedness. Some credit repurchase organizations even offer a new loan to its clients in parallel with their loan buyback agreement, depending on their debt ratio and repayment capacity.

 

Credit redemption: a unique and advantageous rate at the rendezvous

Credit redemption: a unique and advantageous rate at the rendezvous

Instead of paying multiple credits at different rates, get a single, more attractive rate by choosing to buy credits. A significant reduction in the cost of your credits will be required thanks to this alternative.

The documents to be provided to benefit from them vary from one credit institution to another. They also depend on the type of loan buyback contract to be subscribed. Be aware that you can consolidate your mortgage into your consumer credit or consolidate all your consumer credit such as consumer loans, debts, revolving loans, cash and overdrafts.

 

Examples in figures

buyback

The purchase of credit offers the persons concerned the opportunity to achieve a monthly saving of more than 50% compared to their former situation. Take the example of a household that has subscribed credits of a total sum of 15 000 euros that it reimburses to the order of 250 euros per month for 5 years.

Due to a financial difficulty, it is obliged to resort to the repurchase of credit after 20 paid monthly installments. Instead of paying 250 euros a month, or 10,000 euros for the remaining 40 months, he only pays back a monthly payment of 120 euros per month, thanks to the credit redemption because the maturities were extended according to the repayment capacity of the family.

]]>
http://www.suedwestumfahrung-nein.ch/buyback-of-consumer-loans-for-what-interest/feed/ 0
Personal Loan Online for the Unexpected Expenses http://www.suedwestumfahrung-nein.ch/personal-loan-online-for-the-unexpected-expenses/ http://www.suedwestumfahrung-nein.ch/personal-loan-online-for-the-unexpected-expenses/#respond Sun, 19 May 2019 15:52:14 +0000 http://www.suedwestumfahrung-nein.ch/personal-loan-online-for-the-unexpected-expenses/ Easier said than done ! This little phrase is a reality for many things in life, but especially for personal finances. Unforeseen circumstances, unexpected purchases and the urge to “splurge” from time to time can contribute to the failure of the best budget plans.

If you want organized finances and if you also want to make managing your budget easier, you need to put your finances in “autopilot” mode. This will not stop you from buying this extra candy bar at the store, but it will solve most of the problems that occur when you try to manage your budget month after month. In addition, this plan will reduce your stress level because you will not worry about paying the bills manually month after month.

How can you put your finances on the “autopilot”?

 

Automatic payments.

money

You can pay almost all your monthly bills by automatic payments. To do this, you will use the credit or debit card or give you your bank account details. But will that completely solve your budget problems? No, since you must ensure that you have sufficient money in your bank account at all times to cover automatic payments. However, you will not have to pay each bill individually, so the process will be much simpler. This will prevent late payments that could affect your credit score and interest rates.

 

Automatic transfer to the savings account.

Automatic transfer to the savings account.

The other positive aspect of the financial “autopilot” is to allow you to save money more consistently. Each month, you automatically transfer your chequing account (where you deposit your salary or other income) to a savings account. So you save without thinking. You will be able to open a savings account and earn interest.

 

You will know exactly how much you have to spend

You will know exactly how much you have to spend

As pointed out earlier, putting your budget on “autopilot” will not stop you from doing this “impulse buying” at the store. It will, however, allow you to know exactly how much you can spend after paying bills and savings. If you pay your bills and transfer the amount to save a few days after receiving your various income, what’s left in your account will be used for the month’s expenses. You will make sure that you can pay for that amount with food and other necessities. Once this is done, you’ll spend what’s left as you see fit.

 

How to deal with unexpected expenses?

How to deal with unexpected expenses?

Some different options are available to you in case of unforeseen events. First, once you start having more money in your savings account, you can open a second account that you will use as an emergency fund. The money transferred will thus serve the unforeseen.

Another option is to deposit in an emergency fund the money that remains after you have paid all the expenses of the month.

Finally, you can consider a personal loan online for the unexpected. The fast application process allows you to get approval within hours. The lender then deposits the money into your bank account within one business day or less. You will then add the loan payments to your “autopilot” budget until full refund.

]]>
http://www.suedwestumfahrung-nein.ch/personal-loan-online-for-the-unexpected-expenses/feed/ 0
Borrowing without testing with a mini-credit – Request mini-credit http://www.suedwestumfahrung-nein.ch/borrowing-without-testing-with-a-mini-credit-request-mini-credit/ http://www.suedwestumfahrung-nein.ch/borrowing-without-testing-with-a-mini-credit-request-mini-credit/#respond Tue, 30 Apr 2019 13:39:46 +0000 http://www.suedwestumfahrung-nein.ch/borrowing-without-testing-with-a-mini-credit-request-mini-credit/

However, it can also happen that when applying for a loan without verification, it is rejected by the lender. The most common reason for this is that people withhold information from the application or provide incorrect information. Borrowing without review means that there is no check at the Credit Registration Office, but it certainly does not mean that a provider of such loans does not check at all who they are dealing with.

Deal with credit provider

Deal with credit provider

 

At the first application, information is requested and proof of identity. Various checkpoints have been built into this process to check this data for authenticity. If inaccuracies arise during these checks (provided intentionally or unknowingly), the application will be automatically rejected. Therefore, always ensure that you provide the correct information and truthfully complete these forms on the Internet. The chance of acceptance is then many times greater. You are already dealing with a credit provider that provides risk loans without review at the BKR, but you must have made it very bold if this provider is to scare you of what you send in the form. It is more important to fill it in truthfully, so that at least there is no doubt about your honesty.

Borrowing without testing is certainly possible, but expensive. On the other hand, the advantage is that application and acceptance go very quickly, so that you have the amount to borrow very quickly. The disadvantages are the very short duration, for repayment and the interest which is many times higher than that for regular loans. The amount of the maximum loan amount is also very low, so financing of renovations, purchasing a new car, etc. is not possible with this.

Fast money for financial emergencies.

Fast money for financial emergencies.

 

Loans without verification are useful in cases when you need money quickly for a very short period. Using a loan without checking in other cases usually results in problems with the repayment, which causes the borrower to get into trouble again, with all the associated consequences. It is therefore also important to ask yourself whether borrowing without verification is the best alternative for you, or whether other forms of borrowing may be a better alternative.

]]>
http://www.suedwestumfahrung-nein.ch/borrowing-without-testing-with-a-mini-credit-request-mini-credit/feed/ 0
What is a mini loan? | Borrow money without BKR review http://www.suedwestumfahrung-nein.ch/what-is-a-mini-loan-borrow-money-without-bkr-review/ http://www.suedwestumfahrung-nein.ch/what-is-a-mini-loan-borrow-money-without-bkr-review/#respond Sun, 21 Apr 2019 13:49:57 +0000 http://www.suedwestumfahrung-nein.ch/what-is-a-mini-loan-borrow-money-without-bkr-review/

You would think that just about the entire Dutch municipality knows what a mini loan is. Still, the contact form on this website sometimes reaches me the question of what a mini loan is. Because I received this question several times, I will try to explain this. It is actually very simple and you can find a lot of information about it on the internet. The only problem with this is that a lot of this information is nonsense or irrelevant.

Tip: You can view and request mini loans at the very bottom?

But what is it then?

But what is it then?

A mini loan has come over, just like the jeans, Mc. Donalds and other American troops from the United States. There, the mini-loan is known as the ‘payday loan’ and this form of credit has always been controversial. In America, however, the government does not get bored with anything, so this type of credit, just like in the rest of Europe (except the Netherlands), is permitted there. In the Netherlands, the government has to get involved in everything, so also with regard to the mini-loan, the Dutch government has once again exhibited a nuisance that the dogs don’t want to eat.

Hypocritical behavior of the government

Hypocritical behavior of the government

Hypocritical is certainly forbidding the mini-loan. In particular if the extreme (roflol word) argument is used that the consumer must be protected against himself. Hypocritical in the sense that the Dutch government is the only government in the world that operates a chain of casinos. Besides, I don’t have to be protected against myself at all, I do decide what I do. Flicker nicely with an end to your rule and patronize. Go save the climate or something?

But anyway

But anyway

I had to get rid of the above. A mini loan is therefore a relatively small amount that must be repaid in a short time. With a mini loan you will always be faced with extra costs. This makes this form of credit expensive and actually quite unattractive. On the other hand, it’s a handy way to get hold of some cash quickly. You will be well informed on the website of the providers of this credit what your total costs have been lost. So don’t start crying and complaining afterwards that you feel fooled. After all, you don’t have to close it. If you find it too expensive, then you don’t want to do it.

How much can I borrow

How much can I borrow

How much you can borrow is very simple.

First time application: From € 100 up to € 600. If they don’t like you, it can also be less, depends on your income and such.

Follow-up question: From € 100 to € 1,500. If you have repaid the first loan properly, if you do not do this, you can start nagging for money somewhere else. Not with me by the way :).

All amounts up to € 1000 must be repaid in one go within 45 days. Amounts above that, with a maximum of € 1500, may be repaid in 2 installments, but always within 62 days.

]]>
http://www.suedwestumfahrung-nein.ch/what-is-a-mini-loan-borrow-money-without-bkr-review/feed/ 0
Types of debt that you can consolidate with a debt management program http://www.suedwestumfahrung-nein.ch/types-of-debt-that-you-can-consolidate-with-a-debt-management-program/ http://www.suedwestumfahrung-nein.ch/types-of-debt-that-you-can-consolidate-with-a-debt-management-program/#respond Sun, 21 Apr 2019 01:48:52 +0000 http://www.suedwestumfahrung-nein.ch/types-of-debt-that-you-can-consolidate-with-a-debt-management-program/

 

When your debts become too big, it is in your interest to ask for help. Deciding what kind of help you need can be complicated, especially if you take a look at all the options that exist. Depending on the types of debt you have and your current financial situation, a debt management program might be exactly what you need to deal with your debts and start in the right direction. Let’s see in more detail what such a program is.

What to expect

Unlike more drastic forms of debt relief, such as a consumer proposal or bankruptcy, a debt management program is not a legal action. Instead of working with a licensed insolvency lawyer or trustee, you will be dealing with a certified credit counselor who will assist you throughout the process. Your main goal when meeting your advisor is to provide as much information as possible about your finances. The more information he has, the more he can help you. Your credit advisor:

  • Determine exactly how much money you owe and who
  • You will create a personalized budget to help you in your process
  • Negotiate with your creditors in the hope of finding common ground in repaying your debts

The bus of a debt management program is to consolidate your eligible debts into a single, more manageable monthly payment. The credit counselor with whom you will be dealing will negotiate, on your behalf, with your creditors and lenders in order to reduce your interest rates and eliminate the penalties you may have accumulated. In this way, you can continue to pay for your necessities while paying off your debts. In most cases, people can get out of debt quickly enough and save on interest charges while making easy-to-manage monthly payments.

What types of debt can be consolidated with a debt management program?

What types of debt can be consolidated with a debt management program?

A debt management program is a great option for many consumers who have trouble keeping their debts in order. That being said, not all types of debt can be included in such a program.

Seeking the help of a professional and making the decision to join a debt management program is not a decision that should be taken lightly. That’s why we think it’s important for you to know before making your final decisions. For informational purposes and to help you make the right choices, here is a complete list of debts that can be consolidated with a debt management program.

Credit card debt

Credit card debt

A credit card debt is not a secured debt, which means it can be included in a debt management program. In fact, credit card debt is one of the most common reasons why consumers choose this form of debt relief.

Retail Store Credit Card Debt

Retail Store Credit Card Debt

As with other credit cards, retail credit cards are also eligible for a debt management program.

Unsecured personal loan debt

Unsecured personal loan debt

Personal loans that are unsecured, ie when you originally applied for the loan, you did not have to put any form of collateral, such as a vehicle, can also be included in a management program debts.

Unsecured Credit Union Loans and Credit Card Debts

If you have received an unsecured loan from a Caisse Populaire or you have accumulated too much credit card debt on a credit card, it is possible that these two debts may be included in your debt management program.

Automobile restitution debt

If your vehicle was repossessed because you could no longer make your payments, you could include this debt in a debt management program.

Gas Cards

Gas Cards

A debt that has been created by a gas card is also eligible to be included in a debt management program.

Non-government student loan debt

Non-government student loan debt

If you have private or non-government insured student loan debts that are causing you financial stress, a debt management program might be a good option for you.

Previous cellular bills

If you have unpaid cellular bills and no longer use the same service, you may be able to include this debt in a debt management program.

Previous service accounts

Like a past cell phone bill, a utility bill that you no longer use can also be included in a debt management program.

Medical bills

Medical bills

All medical bills are not eligible in a debt consolidation program but some are. If this is the main reason you are considering a debt management program, we recommend that you first seek the advice of a credit counselor.

Make the right choice for you

 

You should know that creditors and lenders are not required by law to cooperate with your credit counselor. Therefore, the above list should be used only as a reference tool. It is possible that all your unsecured debt may be included in your debt management program. That being said, such a program is the best option for many Canadians who are facing a lot of debt that they can not repay. If you are currently looking for a solution to relieve yourself of the burden of your debts, we can help you by putting you in touch with a credit counselor in your area.

]]>
http://www.suedwestumfahrung-nein.ch/types-of-debt-that-you-can-consolidate-with-a-debt-management-program/feed/ 0
Mini credit without documents – Apply for Mini Credit http://www.suedwestumfahrung-nein.ch/mini-credit-without-documents-apply-for-mini-credit/ http://www.suedwestumfahrung-nein.ch/mini-credit-without-documents-apply-for-mini-credit/#respond Thu, 18 Apr 2019 13:51:05 +0000 http://www.suedwestumfahrung-nein.ch/mini-credit-without-documents-apply-for-mini-credit/

It may just be that you want to borrow an amount between fifty and one thousand euros. But where do you get it so quickly? If you would like an answer, it is best to read the article below.

Internet:

Internet:

Many people wonder what the advantage is of applying for your mini-credit via the internet. Via the internet you can see in 1 store where you pay the least interest and where you can close the best mini-credit deals, because nowadays almost everything goes online so that you can take out a loan quickly. The advantage is that you usually have the money in your bank account within 24 hours so that you can make your purchase faster.

There can be various reasons why you want to borrow an amount between fifty and one thousand euros. Maybe your freezer broke, or you have seen the pair of shoes of your dreams, but your salary will only be in almost three weeks. Whatever it is, you need the money immediately. You can borrow a relatively small amount quickly via the internet. It is easy to apply for a loan online. You can compare several loans via the internet by requesting quotes. Borrowing via the internet is very wise, because there are often good deals to be found.

There is nobody who wants to borrow expensive. This is understandable of course, because expensive borrowing is roughly equivalent to cutting your money in half straight and burning it. Never let yourself be tempted by a cheap loan. See in black and white whether this loan is really as beneficial as claimed. Lenders are trying to earn more from a loan by letting people take out additional credit insurance policies. In extreme cases, the commission on these insurance policies sometimes amounts to around eighty percent of the premium. Never let yourself be told that such insurance is mandatory. Perhaps this insurance is indeed compulsory with provider A, but not with provider B.

When you take out additional insurance policies, you increase the effective interest rate on your loan. This type of interest relates to all additional costs. If you convert these costs into a total picture, you will discover that the costs turn out to be many times higher. The nominal interest is not really objective for comparisons because this interest does not take into account the additional costs. It’s fantastic: interest rate offers and interest discount weeks. But with these temporary interest rate offers, the lender has only one goal: to attract new customers. After the discount period, the interest rate will be screwed up again, so that you will pay more again. So make sure that you take this interest rate increase into account before you take out the offer interest loan.

A mini credit:

A mini credit:

If you want to borrow an amount of up to a thousand euros, you can borrow it from lenders of mini loans and mini loans. This type of loan is originally from the United States. It does not matter whether you have a BKR registration, or if you already have several credit, you can still take out a mini-loan via the internet in most cases. The target group of this form of credit is mainly anyone who can repay without any problems, because they are short of money just at the end of the month.

Duration:

Duration:

The duration of a mini loan is not that long. With most providers, the duration is between ten and thirty days. It is therefore important that you are sure that you can repay the loan amount within 30 days. If you do not pay back within this period, you will receive high fines. So always make sure that you can pay off on time so that you don’t have any problems.

Mini Credit Tips!

Mini Credit Tips!

It is very important to borrow safely. Nobody will be happy if you cannot pay your loan. Therefore, before taking out a loan, review the points below. Think carefully before taking out a loan. You enter into an obligation whereby you must repay each month. You also have to pay off when you have less money (think of the month of December). Never borrow more than you can repay.

  • Never borrow such a high amount that it is harder for you to make ends meet due to the loan.
  • Consider the dangers of a revolving credit. If you withdraw repaid money, you will never be repaid the loan.
  • If you have several loans outstanding, combine them. That gives you more overview and saves you money.
  • Request multiple quotes to see which loan suits you best. On the basis of these quotations you can already cancel loans with very high interest rates. If necessary, have yourself informed by an expert.
  • Never buy on installment. The interest on purchase on installment is extremely high.
  • If you have a low income, you may be entitled to one or more supplements. You may not need to borrow.

The advantage of an internet credit is also that you often have no hassle to go to the bank. You can request a mini-credit quickly and easily via the internet.

]]>
http://www.suedwestumfahrung-nein.ch/mini-credit-without-documents-apply-for-mini-credit/feed/ 0