freeassociationradio.com

How To Save Money With School Books | Debt

cash

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

cash

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

cash

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

cash

  • 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.

How to Decide How to Save? | Mortgage Loans

cash

The financial product with the greatest relevance in the life of most Portuguese families is the credit for housing purchase. The importance of this type of financing is assumed to be too significant, not only because it represents one of the financial commitments with greater expression but also because of the reduced margin of maneuver to be renegotiated.

Unfortunately, the weak dynamism of the rental market in the past has pushed many households into the banks’ drafts, and it is now very difficult to meet the monthly installments. Therefore, it is necessary to know the general characteristics of the Housing Credit, which will be described here.

Purpose of Mortgage

Purpose of Mortgage

The Granting of Mortgage Loans is regulated by Decree-Law no. 349/98, of November 11, which specifies the concession scheme, With regard to the granting of Housing Credit under the Bonus Scheme and Bonus Scheme, these have been ceased to be possible since September 30, 2002.

The Housing Credit concession can take on several purposes, being the most known;

  • Acquisition or construction of own dwelling;
  • Works and improvements
  • Acquisition and construction of own housing – acquisition of land and construction of permanent housing.
  • Transfer of mortgage loan from another credit institution (ICO).
  • Supplementary financing – expenditure on own housing and not covered by the specific housing credit scheme.
  • Home Exchange – Acquisition of own housing for clients with Housing Credit in a Banking Institution and who wish to acquire a new home without having sold the current one.
  • Intercalary for sign – Financing to signal the purchase of your home, for which you already have an authorized loan.

Types of Benefits

Types of Benefits

All the Housing Loan concessionaire assumes an obligation for the Client, and the benefit is the object of that obligation, or the amount to be paid at certain intervals to fulfill the financial obligations assumed in a financing agreement. The benefits may be:

  • Constants: For loans with variable interest rate, the amount of the benefit does not change during the term of the rate. For a Housing Credit with a 6-month 6-month (6-month Euribor) interest rate, the rate is constant in the 6-month period, and the installment is updated when the indexer is revised.
  • Progressive: The installment increases over the term of the Housing Credit, according to the previously stipulated payment plan.
  • Mixed: There is a period of growth of the benefit until it becomes constant.

Types of Housing Refund

Types of Housing Refund

The Housing Credit has different modalities of reimbursement of benefit, namely:

  • Traditional repayment: Repayment of the loan in constant installments of principal and interest in capital and interest, and repayment of capital begins as soon as the first installment. One particularity of this type of repayment is that the repayment of capital is increasing with the passage of time consecutively the interest will be lower;
  • Repayment with capital shortage: Repayment of the loan capital occurs on a future date for consecutive periods according to the contractor between the client and the Financial Institution. During the initial period, only repayment of interest will occur, and the installment in this period is less than the following period where repayment of principal and interest of the loan will occur;
  • Residual amount or capital allowance: In this mode from the capital is transferred to the end of the loan term, therefore, the loan installments will be smaller except the last installment which will be higher according to the deferred percentage (10 to 20% ).

Always Offer Guarantees

Always Offer Guarantees

In order for the Mortgage to be granted to the Client, it is necessary to have guarantees capable of responding to the risk of default. In this sense, as a way of guaranteeing the payment of the loan granted, banks require the mortgage in their favor of the property subject to the financing, although, the client may substitute or guarantee another property or a financial product.

To determine the value of the guarantee, the Financial Institution requests the evaluation of the property and matches the risk of the financing, if the result is favorable the guarantee of the property is sufficient otherwise the Institution may propose to the Client a reinforcement of guarantees, requesting a guarantor or pledge.