2023-12-04 13:14:20
To savedespite seeming a great challenge impossible to fulfill, is possible! You just need to know a few tips to do it in an effective, safe and lasting way. The price increase for the inflation and the various wars that there have been in recent times, are making the standard of living very expensive of Spain
The tricks to save
1. Avoid paying bank fees
In all or almost all banks we are always charged a fee for maintaining the card or opening an account. The fact is that most banks they have options to open checking accounts and bank cards without charging you fees. Helpmycash it shows us in its comparator of financial products.
Seconds Helpmycash if we have a loan with an institution or a mortgage credit it will be more difficult to change banks. Even though, if we signed the credit or loan before April 29, 2012, our bank does not have to charge us any account maintenance fees. This will only happen if that account, we only use it to pay the loan installments.
Despite this, if your contract is later, the bank can only charge you what you signed on the document. In no case can the commissions be modified during the period of validity thereof.
2. Hire a deposit
If you have money saved and want to invest it well and safely, this advice is the most suitable for you. If you hire a deposit and leave your money in the account for a certain period of time, you will get the amount deposited and, in addition, some interest that you will have been generating. Currently, you can find deposits with an interest of more than 4%.
A clear example of effective deposits is offered by BFF Bank. If you have 5,000 euros and Internet, open a Facto deposit and you will get a remuneration of 4.32% TAE.
3.”Automate” your payroll
The moment you get paid, the most normal thing is to get happy and buy what we wanted or needed so much. But this step is wrong. When they enter your payrollthe first thing you have to do is program automatically and on a monthly basis an amount of money a to save. This amount will go directly to the savings account.
The OCU warns: these banks already charge 100 euros to retirees
4. Liquidate debts
If you have the money to do it, liquidate yours debts immediately. In this way you will avoid paying very high interest and you can start saving again, with a net capital.
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