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Take out credit online at 4.9%, 7.9% or 9.9%.

Monthly installments on your desired loan

Monthly installments on your desired loan

Good Finance offers three interest rates: 9.9%, 7.9% and 4.9%. Which of the three interest rates applies to you depends on your personal information. You will find out at the end of the application process before submitting the application.

  • 9.9% USD [monthly_costs] per month
  • 7.9% USD [monthly_costs] per month available from USD 10,000
  • 4.9% USD [monthly_costs] per month available from USD 20,000

Your insurance and interest costs in USD:

Monthly costs installment insurance

Yes, I would like to use the Good Finance installment insurance to secure my credit installments against unemployment that is not your fault, or incapacity for work or work.

Payment protection can only be completed if none of the following criteria apply:
– Independence
– Loan contract term shorter than 12 months
– Age of the borrower at the end of the contract over 65 years.

Details installment protection

35.10 Your total interest cost on the loan is USD 20,000 4,108.0

Requirements for 9.9% personal credit:

  • Minimum age 20 years
  • Resident in Switzerland or Principality of Liechtenstein
  • Swiss citizenship or foreigners with a valid residence permit
  • Regular income from an employment contract
  • Financial sustainability of the loan

Your insurance and interest costs in USD:

Monthly costs installment insurance

Yes, I would like to use the Good Finance installment insurance to secure my credit installments against unemployment that is not your fault, or incapacity for work or work.

Payment protection can only be completed if none of the following criteria apply:
– Independence
– Loan contract term shorter than 12 months
– Age of the borrower at the end of the contract over 65 years.

Details installment protection

35.10 Your total interest cost on the loan is USD 20,000 4,108.0

Requirements for 7.9% personal credit:

  • Loan amounts from USD 10,000.–
  • Swiss citizenship or foreigners with a residence permit C
  • Minimum net income from permanent employment of USD 4,500 / month

Your insurance and interest costs in USD:

Monthly costs installment insurance

Yes, I would like to use the Good Finance installment insurance to secure my credit installments against unemployment that is not your fault, or incapacity for work or work.

Payment protection can only be completed if none of the following criteria apply:
– Independence
– Loan contract term shorter than 12 months
– Age of the borrower at the end of the contract over 65 years.

Details installment protection

35.10 Your total interest cost on the loan is USD 20,000 4,108.0

Requirements for 4.9% personal loan:

  • Fulfill all criteria for 7.9%
  • Loan amounts from USD 20,000.-
  • Home ownership (residence)

Credit Bureau-free credit – can I get it seriously?

Anyone applying for a loan from a Cream Bank must submit numerous documents and provide evidence of monthly income. In addition, Credit Bureau information is obtained. In the Credit Bureau information, credit transactions with banks, but also contracts with telecommunications companies or loans from trading companies are noted.

Registered negative characteristics can cause the requested credit business to fail. If a Credit Bureau-free loan is requested through a credit intermediary, the credit agency’s data will not be obtained.

A Credit Bureau-free loan is also called a Swiss loan

A Schufa-free loan is also called a Swiss loan

A Credit Bureau-free loan is a so-called micro loan with a low payment amount. In this case, lenders are mostly banks from Switzerland. Therefore, the loan without Credit Bureau is often referred to as a Swiss loan. Up to a total of 3500 USD, no data from a credit agency is requested in Switzerland. Since Swiss citizens as private individuals are unable to apply for loans from banks as a result of the legal situation, a credit brokerage company is active.

The credit intermediary applies for the loan from the bank abroad and offsets the payment amount against his commission. In order for a Credit Bureau-free loan to be approved, proof of earnings must be submitted, as with Cream Banks. Credit Bureau-free loans are paid out either in cash by post or by transfer to the specified current account. The German legislator allows credit intermediaries to charge commissions even if no credit business is concluded.

The monthly income is sufficient to secure the loan

The monthly income is sufficient to secure the loan

The Credit Bureau-free loan is suitable for short-term bridging of liabilities. It is usually applied for by loan seekers who have noted negative characteristics in the Credit Bureau information and do not receive a loan from Cream Banks. The Credit Bureau-free loan is secured with the borrower’s income.

The information in the loan application must be true. Borrowers who do not disclose serious negative features or even personal bankruptcy are punishable by law. If the installments cannot be paid and the lending business bursts, confidential information can result in a fraud report.

With a credit comparison, a reputable provider can be found

With a credit comparison, a reputable provider can be found

With the plight of people, money is made again and again, especially in credit transactions. Many lenders promise to help quickly and easily or even money in hopeless situations. In most cases, these loan offers are not serious. These credit intermediaries are interested in selling insurance to secure the loan and also require very high commissions. These commissions are often also requested in advance.

The Credit Bureau-free loan is not paid out to companies that do not work seriously. The insurance policies that have been taken out generally remain in force because the termination of the concluded contract is forgotten. The commissions are also lost. As with a small loan, a loan comparison of the various Credit Bureau-free loan offers can be helpful. Reputable credit intermediaries have a good reputation and have been operating successfully for several years.

The profitability of the loan must be precisely calculated in advance

The profitability of the loan must be precisely calculated in advance

A loan, regardless of whether with or without Credit Bureau information, always causes an additional financial burden. If a loan transaction is concluded, the borrower has only a small loan amount available after deducting all commissions. Since the Lite Bank that provides the loan also wants to earn money from this lending transaction, the interest is often slightly higher than for a small loan from a Cream Bank. As with a loan from a Cream Bank, loan seekers should therefore calculate exactly whether a Credit Bureau-free loan through a credit broker is profitable.

Credit collateral – a definition.

The credit business is one of the most important branches of business for banks and credit institutions. The company generates its sales and profits by granting loans. Losses can also result from loan defaults. If a lender finds a lending transaction too unsafe, he can request collateral from a borrower. A rough distinction is made between factual and personal loan collateral.

Private loans are secured with the wages or salary

Private loans are secured with the wages or salary

If a credit contract is concluded in private customer business, the salary or wages count as collateral for the loan applied for. In addition, residual debt agreements can be made in the form of credit insurance. In the event of unemployment, in the event of illness or death, the creditor receives the remaining debt from the insurance.

Capital-forming life insurance policies to repay the loan amount, life insurance policies to cover the risk of death or comprehensive insurance for vehicle financing are also often required. Movable property is rarely accepted as collateral because it would have to be deposited with the bank. In the case of married people, one spouse is liable for the debts of the other spouse with a so-called spouse guarantee.

The guarantee is a personal loan security

The guarantee is a personal loan security

If the borrower’s creditworthiness is insufficient despite wages and salaries, a surety can be ordered. With the conclusion of a guarantee contract, which is regulated in the Civil Code, the guarantor undertakes to assume the debtor’s liabilities towards the creditor. A guarantee contract must always be concluded in writing. A distinction is made in these forms of collateral between a simple and a direct guarantee.

If a simple guarantee has been agreed, the guarantor will only be consulted if all attempts to collect the outstanding debt have been unsuccessful. In the case of a joint and several guarantee, the creditor can immediately demand that the debt be paid. A guarantee ends when the loan debt is repaid, a time limit has been agreed or the guarantor is called upon. If the guarantor dies, the guarantee does not expire.

Other collateral is movable and immovable property

Other collateral is movable and immovable property

The land charge, the transfer by way of security, the lien and the mortgage are real or real assets. However, the mortgage is rarely used to secure a loan. If a loan is taken out, a land charge is entered on the property or real estate of the borrower. Security assignments are made for motor vehicles. The motor vehicle letter remains in the bank’s possession until the loan has been repaid in full.

Loan for a statement what does it mean?

 

Loan for a statement what does it mean? He is enjoying increasing interest. Just what exactly is he? What do you have to do to be awarded? Check!

Loan for a statement – what is it?

Loan for a statement - what is it?

When the question is asked, a loan for a statement as to what that means is hardly anyone can answer. It is known that we are dealing with a financial obligation, but no one can say with which one. There is nothing wrong with that, no one requires us to know all the details of loan offers.

To bring them closer to us, we have financial institutions. What is behind such a loan for a statement? Certainly a type of long-term commitment that can be made when we need cash.

A loan statement has all of the details of your current loan and gives our team the information we need to pay off that loan. In most cases, you can download your most recent loan statement from your current loan servicer.

The loan for the statement is characterized by a small amount of formalities and low requirements of the lender, thanks to which virtually everyone has a chance to obtain financial support.

Credit for a statement – what to do to get it?

Credit for a statement - what to do to get it?

When we decide on this type of commitment, then a loan for a statement what does it mean for us? What do we have to do to receive it? What documents should I submit to the lender? First of all, a loan based on a statement means a liability that is given on an income statement.

If you are applying for a loan as an individual, you will need a statement from your workplace about your earnings. For persons conducting business activity a certificate confirming the company’s income is required. In this case, it could be, for example, a bank statement or from the company’s revenue record.

In addition, we will also need a valid ID, which, if granted, will also form the basis for a loan agreement. And that would be enough, we do not need to collect documents or certificates from tax institutions, or submit documents confirming a good credit history. Thanks to this, we can save a lot of time.

Payroll loans from $ 500 to $ 80,000.

Advantages of requesting a personal loan without payroll:

Advantages of requesting a personal loan without payroll:

The last year has been a good year for the sector of personal loans without payroll or personal loans without payroll, since the number of transactions within this sector grew compared to the previous year, especially in regions such as Barcelona and Madrid. But what are online personal loans?

At the beginning of the year 2000, so-called fast loans were born in Spain, which consisted of a private person, or bank, lending a quantity of money, not very large, to another person for a certain time. This first idea was growing and consolidating within the Spanish ‘online’ market. There are more and more private entities that offer this service through the network, and not physically, since the Internet has completely transformed the financial sector in Spain and in the rest of the world.

These are small money personal loans that are used to meet unexpected expenses, a kind of urgent money. They are requested online, and because they are easy to request, and because you do not have to enter too much personal information, more and more people are opting for this type of financing. In addition, once the personal loan is approved, it can take just a few minutes to obtain the money in the bank account indicated when requesting the loan.

But what are the advantages that have led to the growth of personal loans ?

But what are the advantages that have led to the growth of personal loans ?

Despite the fact that the amounts are usually small, they are personal loans without payroll that can be requested very easily and comfortably, one of the reasons why Internet users prefer this option instead of approaching their bank.

Almost everyone can request one of these credits without payroll. This is surely one of the most important factors for the growth of this type of financing. To request this relatively small amount of money, you do not need to present any type of payroll or guarantee. A factor that helps people opt for this option.

Although it is a relatively new trend, the growth of the network and of the users of it, is linked to the increase and consolidation of this sector. The more people connected the more chances that citizens who request personal loans online will increase.

In addition there are different indicators that make us think that the sector will continue to boom. There is recent news that encourages this growth. This is the judgment of the Court of Justice of the European Union that obliges Spanish banks to return what is overcharged for the floor clauses from their application.

After the judgment of the Court of Justice of the European Union, according to some experts, it could lead banks to put new conditions on loans without payroll that allow them to recover the money from the fine. That is, they could ask for more by lending money to citizens.

The measure will cost entities more than 3,000 million USD and therefore will directly affect their economic balances. For this reason, it is not surprising that in order to recover this money, banks change the conditions of their financial products, among which are personal loans.

A measure that could lead Spaniards to stop using traditional financial institutions if money is needed, especially if it is not a very high amount. Instead, it seems that citizens could increasingly opt for the Internet. Given the aforementioned advantages and obstacles that would be encountered with traditional banking, it seems that the online lending sector will continue to grow.

Independent Credit Advisor

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The bank employee checks that all the documents, certificates, and forms required to apply for the loan are included in the loan application package. If something is missing, it indicates to the client or credit intermediary and states in the bank’s management system that it is “under replacement”.

t is important to note that in most cases, the credit assessment process will only begin after you have submitted the complete credit application package – except in a few special cases, such as pre-credit valuation.

Based on the data of all persons involved in the transaction, the agent inquires from the Central Credit Information System whether someone is on the BAR list, and if so, in what condition (active or passive)?

Are the loan application forms properly filled out?

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After that, the submitted papers will be checked one by one to make sure that all the required data is filled in and that the appropriate boxes are ticked. If you find a problem, ask the customer to fix it.

Are the attached certificates and declarations properly filled in? Apply to?
Are the certificates (eg employer’s certificate, ID card, etc.) correctly filled in, do they contain what they contain, are they signed and, where appropriate, sealed? Has any of the certificates expired? For example, your employer or APEH certificate is valid for 30 days from the date of issue, after which you will need to submit a new, fresh one.

Compliance testing of minimum conditions and parameters of loan demand.
It is important to clarify at the outset whether there is any fact that may be an obstacle to applying for a loan yourself. This includes the length of the client’s employment relationship, the age of the claimant (s), and the existence of documentation regarding the persons to be compulsorily involved, such as the beneficial owner of the property.

Credit evaluation process:

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Data recording

The administrator records in the Bank’s IT administration system the main customer and real estate information, contact details and any other data related to the loan application that will serve as the basis for the credit assessment. This system processes the process step-by-step so the machine won’t let go until something is missing.

Ordering a valuation

For most banks, the management software automatically orders the valuation at the time of recording, usually randomly identifying one of the valuation partners.
Of course, there are banks where the valuation can be done before applying for a loan, with one (or any) of the valuation partners designated by the bank. Valuations are usually valid for 90 days, after which they will need to be updated when applying for a loan.

The appraiser will contact the client

At the given phone number, time is negotiated. At least one property owner must be present at the valuation, but this is usually not strictly mandatory and controlled.

Receipt of a valuation report

The appraiser either sends the appraisal to the bank via a computer interface or sends it in writing to the client or clerk.

Investigation of real estate parameters

Investigation of real estate parameters

In some cases, the valuation you receive may be overridden by a bank technician, or you may change the values ​​previously determined. The transaction value and collateral value of the property, the location of the property, the condition of the property, the type of masonry and the ownership of the property are monitored and recorded. The carrying capacity of the property is determined. The amount of credit the property can “hold”.

(Depending on the bank and the clerk, they can inform the client about the accepted value of the property, but this does not happen automatically. If we are not satisfied with the valuation as a client, we have the right to appeal or request another from another bank partner. right of last word.)

Examination of personal “parameters”

The personal details of each person involved in the credit transaction are carefully reviewed by the administrator and the decision maker to check their authenticity and adequacy. At this stage, the personal parameters are criticized, and if something goes wrong, they can either reject the credit request or request a replacement from the client. (This may not be the case if you are alert at the outset to the credit broker or the bank clerk who is applying.)

Examination of income, creditworthiness

Examination of income, creditworthiness

This part of the process determines the amount of credit the customer is entitled to. If the amount is less than the amount requested, the loan application will not be rejected, but an offer will be made to the applicant. It may even be the case that after negotiation, beneficial details are discovered and the loan amount can be raised.
It is checked how much income the bank can take into account based on the certificates and statements submitted. What is the client’s cost of living, is there any extraordinary but regular expense (eg child support fee) to pay off his / her loan other than the one being claimed? Is there a declined item on your current account statements due to lack of funds? If you have an overdraft credit line, how does the customer manage to often exceed their credit line? If so, how much? Are there regular incomes (eg child support fees) that the bank might count on?

Decision

Normally, within 1-2 weeks of the real estate valuation being made, the bank will make a formal decision on how much, for how long, and under what financial terms?

It is important that the bank usually maintains this decision for 2 months, during which time the loan agreement can be signed. It is also important that a bank can withdraw a positive decision at any time before it disburses, refuse to apply for a loan (my career has been with one client for 8 years, hopefully it will not happen again for at least another 8 years because it does not feel good – ed.). It is good to have a plan B if you know which bank to go to.

Concluding a contract

Concluding a contract

Appointment
The clerk will contact the client after the credit decision and offer the client a date to sign the loan agreement at the branch.

Preparation of loan agreements

Personalized wording of credit agreements is ready. There is a basic contract, which the bank administrator and / or lawyer modifies, complements and fills in with the customer information.

Posting of credit agreements

Banks have automatically sent the contract to the client for prior study since the Code of Conduct, and will also be sent by email to the notary’s office, which will include the bank contract in an authentic instrument.

Signing of loan agreement, notarial deed

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The loan agreement (and the mortgage agreement) is first signed at the bank branch and then signed by a notary in a deed. At the notary’s office, it is enough for the client (s) to appear, not the bank clerk. This is the time when a unilateral notarial deed is drawn up and the client makes a unilateral declaration of debts in favor of the bank). This type of contract can thus take up to two consecutive days, but always in the order given above. We do not need to bring the notarial deed with the Land Registry, only the loan and mortgage contracts signed by the bank.

There are cases when a notary’s office employee must be present at the bank branch signing, because notarial deeds can only be prepared in the presence of both parties. This is called a bilateral deed and its fee will be higher than a unilateral deed because it is larger in scope and is also subject to a withdrawal fee because the notary goes to the bank branch.

Tips to save on the market

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How much do you spend each week, every month, every year on the market? If you are the one in charge in your house to supplying the refrigerator and cabinets, you have probably noticed the increase in price in the products. The budget for food and groceries is just increasing, and the blame for this is partly because of inflation. So we prepared this post with some tips to save money with the market.

Choose an appropriate place that sells only foods

Choose an appropriate place that sells only foods

When it comes to shopping, it is best to drive freighter, to open markets or to smaller markets. People who go to the supermarket to make their purchases end up choosing the types of stores where they find everything, after all, they find this type of establishment practical when faced with a great diversity of products and to be able to buy a great mix in the same place.

The problems are that the prices are higher than in the medium and small markets, because the expenses are higher in the larger supermarkets. However, when the buyer is already there, he ends up not resisting and takes the product, even though he knows that he is paying more expensive, because he thinks about the work of having to move to another place, the expense with gasoline, with parking and thinks it does not pay.

Make a shopping list

Make a shopping list

Always have a shopping list with everything you really need to buy and focus on it. This will prevent you from making impulse purchases, those in which you add in your cart unnecessary products or just to satisfy your whims of the moment.

To help you schedule yourself weekly, you can also pre-determine a meal schedule for the week and the necessary ingredients. Put a piece of paper in the refrigerator and write down the products that are ending up.

Direct your eyes down

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Marketing is a complex and very efficient science. So you do not realize most of the mechanisms that are created in the stores and in the markets to get you to buy and spend more on the more expensive products. One of these mechanisms is to put at eye level the most expensive products, the most prestigious, the most likely to be pushed into the cart. Thus, these products are more colorful, flashy and their packaging is the most elaborate. But they also cost more!

Learn to look down when standing in front of the shelves. The products may be less beautiful, the packages less colorful and simpler, however they are often as good as those exposed above, and of course, much cheaper.

Keep an eye on the offers

Do not hesitate to take advantage of the offers brochures. These small economies may be worth it. But do not confuse the reduction of real offers with misleading terms. A product “special family package” does not mean that the price per kilo is cheaper. Remember to always compare.

Do not shop hungry

Before you go to the market, eat! Or at least your shopping in a half-time between meals to your shopping. With a full stomach and in the drowsiness, you will be less tempted to buy things you do not need, simply as a reaction to a feeling of hunger.

Here are some tips to save on the market. If you’d like to discover more ideas like these, read our article with 4 price survey sites to help you spend less on shopping .

To find out if you’re spending a lot on the market, download the Gustav von Aschenbach app available on IOS and Android systems. And you, what are your tips? Tell us in the comments!

 

Save on Transports: Carpooling vs Carsharing – Save on Transports

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Briefly, carpooling is based on sharing a car between passengers with matching destinations and times. Thus, drivers with their own car can choose to share it with passengers who also share the same route.

This is a particularly advantageous solution for long haul travel as it is based on the principle of dividing travel costs – tolls and fuel – among all passengers.

How it works

How it works

 

Combining hitchhiking with a driver is very simple and there are already several sites that almost automate this task. We have already mentioned a few in this article, but we will remember them here and add others to the list:

    • Devil
    • Travels
    • Boleia.net
    • One night
    • Blablacar
    • Carpoolworld

The usual procedure on these sites is to register and choose your profile (driver or passenger). If you are the driver, you register a travel offer defining the origin, destination, date, time and contribution (price) per driver. If you are a passenger, just look for offers on the dates you want and choose the one that best fits your budget, hourly availability, etc.

The price of travel varies from lot to driver to driver, but Lisbon-Porto trip usually costs between € 12 and € 15 (€ 19.50 at Rede Expressos), while a trip between Lisbon-Faro can cost between 10 € 15 (€ 18.50 for the Network Express).

Advantages and disadvantages

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The carpooling is a good alternative to typical land transport covering long distances (eg Lisbon-Faro-Lisbon), since the prices are flexible – there are several price offers, some lower – and promotes human interaction, making travel more dynamic and less boring, especially when they are long. (Ie

As a disadvantage, there is the question of safety, or rather the uncertainty about safety, since the basic concept of carpooling is based on accepting or offering carpooling to strangers. There are, however, some precautions to reduce this fear:

  1. Exchange contacts with the driver / passengers and share them with someone you trust before the trip. Do not forget also to give information about the route;
  2. Most sites have a rating system for both drivers and passengers, to make the experience safer;
  3. Make sure you have friends in common with the driver / passengers. On the Umcoche website, it is easy to check this information through Facebook, since the registration on the site is made from this social network.

Car sharing: rent a car without bureaucracy

Car sharing: rent a car without bureaucracy

The carsharing is briefly an alternative system of car rental. This system allows you to rent a car easily, without bureaucracies, monthly fees, registration fees or loyalties.

Carsharing is a kind of mixture of individual transport and public transport, encompassing the “best of both worlds”: the flexibility and independence that counts when you have a car and the cheapest prices of public transport, with fuel and insurance included, making -a good option when going, for example, to a vacation destination that has carsharing parks where you can leave the rental car.

How To Save Money With School Books | Debt

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This solution may give a little more work because it implies an initial research, but the cost is minimal and we do not need to use the credit card to get discount, nor do we need to return to the commercial surface in order to use the discount . It saves your wallet and still saves the environment.

Large Surfaces Have Largest Market Share

Large Surfaces Have Largest Market Share

Unfortunately, “competition laws” do not work in the schoolbook market. There is simply no competition in the distribution, with the maximum discounts being 10% on the sale price. There are some promotional campaigns that end up bringing with you some hidden dangers.

The biggest discount for the purchase of schoolbooks is currently achieved in Jumbo. If you place your order in the next few days you will be able to have access to a 10% discount plus 5%. But only if you make the payment with the Jumbo card (a credit card).

Being a purchase with a credit card and if you do not make 100% debt repayment, you will pay interest on the purchase. And in this case, the additional saving of 5% may be significantly lower, or even negative, if you choose to pay interest on the card.Ultimately, this “discount” of 5% ends up acting as a decoy to attract the least attentive. They charge interest to the customer without his realizing it.

Remaining Distributors With 10% Discount

Remaining Distributors With 10% Discount

In the case of the continent, the discount offered is only 10% in card. You do not have a direct discount on the value of schoolbooks, you will always have to return to the continent to use the discount amount. This situation does not happen with the other institutions that also offer a discount of 10%, as in the case of Fnac, the discount is direct.

Swap Banks Can Be the Solution Manual

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An alternative solution to the acquisition of school textbooks are exchange banks. There are more and more options for parents to get school textbooks at zero price or at a nominal cost, provided that at the end of the school year they return the schoolbooks in good condition. Simply search on Google for “Book Exchange” and find various communities and organizations sharing and exchanging books. Some are even municipalities.

This solution may give a little more work because it implies an initial research, but the cost is minimal and we do not need to use the credit card to get discount, nor do we need to return to the commercial surface in order to use the discount . It saves your wallet and still saves the environment.

How to Save on Vacation | Credits

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Choose lesser known destinations. Lower demand may translate into friendlier prices, and you can find high-quality holiday locations at lower costs. Take advantage of airline promotions. Subscribe to the newsletters of the companies that interest you the most and you will see that last minute deals and opportunities will arrive at your email.

Where to stay? – Save money on accommodation

Where to stay? - Save money on accommodation

  • Buying packages that include flight and hotel can help save money. All the above mentioned search engines offer also the possibility to search for accommodation at good prices;
  • Forbes magazine highlights the Airbnb website as one of the best in the vastness of travel web sites. Airbnb is an easy and secure solution that allows even less frequent but equally fun alternatives such as attic boats or even tree houses in 192 countries.

Where to eat? – Save money on food

Where to eat? - Save money on food

  • When planning accommodation, stay in a place with easy access to a supermarket. You’ll save on coffee shop or even meals if you can get some food items you can carry or eat at home.
  • Fill yourself with water at home. A bottle of 33cl of water purchased next to the beach will cost about € 1, while if you fill it at home it will cost about € 0.06 …
  • If traveling with children, it is essential to plan the meals you want to make at home and make use of the farnel to avoid considerable expenses in the usual snacks outside the house.

What to do?

What to do?

This is a question whose answer varies greatly from person to person. Here, we advise you to visit the SpottedByLocals site that brings together a number of places of tourist interest recommended by the natives.

The surprises are immense, including lesser known but equally beautiful places.

Other aspects to consider

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  • We have already said it, but we have reinforced it again: define the budget for each of the above categories, in order to guarantee the financial stability of the household. In this budget, include travel expenses (plan or private transport) and accommodation, set a maximum ceiling for usual purchases and souvenirs, assign a maximum amount of daily expenses to each family member, and account for all expenses that may be associated with your vacation , such as the purchase of necessary clothing and equipment, insurance, vaccines and documents;
  • Contemplate the possibility of unforeseen events (losing a flight, lost luggage or even robbery) and ensuring the existence of a working capital for this situation. Do not forget also our tip of use of the insurance of the credit card;
  • Use your credit card in moderation. The advance planning of your vacations can be decisive to enjoy a rest of quality, leaving some money to amortize credits.