How to consolidate payday loans?
Do you have more loans or loans? Try to convert them into one commitment and save on fees and interest. By consolidate with Payday Loan Helpers your payday loans, you can save money completely painlessly and comfortably.
I will eat healthily, I will train more, I will start saving. These are the most common New Year’s resolutions that the Czechs give. Only a few will eventually adhere to them. How do you make sure you really get a bit of saving this year, if you did it?
Do not wait for the New Year
Have you ever wondered why you postponed the change until the turn of the year? Why did not you just start saving in November or December? Psychologists say that if we are not really changing our inner conviction, we tend to postpone it. That’s why we usually wait for the New Year instead of starting right away. So if you really want to start saving, start right now. Beginning of the year is just about more reason;)
Put yourself a realistic goal
Do not exaggerate expectations. It is better to save fifty crowns a day and to last for a full year than to spend a week of unscathed life in the style of medieval monks, and after seven days of trying to give up the disgusting effort.
Watch out for emotions, try shopping more
Do you really need a new jacket? A good way to find out the answer is to postpone the purchase. Ideally for a few days, but sometimes even a few hours. With time, you will usually find that you do not need the selected goods at all, even if you do not want it at all.
Beware of discounts
Czech discounts love. Traders know this very well and therefore adapt their love to their business strategy. Some people are willing to buy discounts thanks to the banner, and they do not really need it at all. How to defend yourself? As in the previous point;)
Buy what you dream of. The food you buy
According to last year’s European statistics, one Czech household consumes out-of-date or unnecessary food for an average of 20 thousand crowns. If you make a better purchase of food and its after-sales, you can save almost 1,700 crowns per month.
Get some money back from some purchases
Shop while saving. No, it’s not an oxymoron. With Gandalf, you will get money back from every card payment made by merchants registered with MasterCard Priceless Specials. In addition, you can get back up to 2% of the credit cards Gandalf e-Shop and Gandalf Plus.
Find out what you spend and where you can save
With financial managers, you have a complete overview of your financial situation. And that’s good. You can see exactly which items you spend too much. Is that a dress? Food? Entertainment? Make yourself clear and begin to save where you are leaping.
Anyway, do not you want too much in the survey? Tip at the end
Think about the specific thing you get for the money you save. Whether it is a new car, a new kitchen or a nice holiday, try to imagine them in the most detail. And if you want to save money just for sure, imagine the feeling of peace and well-being that you will have, knowing that you have a financial reserve.