Monthly Archives: July 2019

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How to pay the Good Finance Credit faster?

Through the social fund for housing of Good Finance, many workers whose income and living conditions are not sufficient to become creditors of a private bank mortgage loan, can acquire a house . But they do so at a much higher interest than in banks (above 12%).

And some of these credits are still tied to a benchmark that increases with the minimum wage contribution (VSM). So, in your cases paying the Good Finance credit faster is an urgent need.

How to pay the Good Finance credit faster, effortlessly?

How to pay the Good Finance credit faster, effortlessly?

Avoid blackberry

This may seem obvious, but it is not. The Good Finance does not stand out for being punctual in its notifications to its debtors, and that lack of pressure usually causes many holders to let months go by without paying. And that only adds interest, penalties and can make you lose your home.

Pay on time

If for two years you do not incur defaults, you automatically get to pay the Good Finance credit faster , as you enter a program that rewards that punctuality: “Good Finance Rewards” deducts you the last monthly payment.

Amortized

One of the most effective ways to pay the fastest Good Finance credit is to pay monthly payments in advance. Although each monthly payment is deducted from your payroll, you can contribute capital payments, without penalties, and this significantly reduces the amount of your debt and interest. Experts recommend paying a month and a half in advance each year .

Pay in advance about benefits

Pay in advance about benefits

You can use part of your bonus or profits to amortize capital without penalty.

Settle the total balance

Whether you have extra money or have access to personal credit, you can pay the entire outstanding balance. However, you should know that there are no discounts for using this method to pay the Good Finance credit faster .

The best option: Transfer your Mortgage Credit

The best option: Transfer your Mortgage Credit

If you have a good credit bureau, you can pass your mortgage credit to another bank with better conditions. This operation is known as “mortgage transfer” or “mortgage improvement.” Basically consisting of a bank for your debt with Good Finance, and you have a new mortgage loan with that bank.

The amount of the debt you owe to date is passed to the new bank, with a lower interest rate.

There are many clients that we have advised and have managed to pay less mortgage interest.

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The Most Common Ways To Waste Money

Trying to fill a carafe with the perforated bottom is not the smart thing. Everyone would agree with this, as well as with the statement that, logically, if the holes are first plugged, it is possible to fill the carafe. But when we apply this metaphor to money, the fact does not always seem so obvious. Wasting money is not always associated only with excessive and unreasonable spending. Sometimes, the problem is in the small holes through which money runs out imperceptibly and sometimes they are not visible to the naked eye. Sometimes these are intelligent commercial tricks, in whose claws we fall without noticing. In others, they are purely psychological dependencies, which we do not realize either. Therefore, we point out the most common:

 

Buy “branded” items

Buy “branded” items

Sometimes, the brand is a symbol of quality, but in others, it only gives a sense of prestige without adding value to the product. In these cases you pay dearly for the good name. Whether food, cosmetics, clothing or technology we are easily caught in the brand, waiting for quality. Make your purchases consciously and choose the cheapest equivalent.

 

 

Go shopping with an empty belly

Go shopping with an empty belly

It is a well known fact: when you enter a supermarket, you are much more likely to buy more if you are hungry. Second trick: set a time limit for the purchase, especially if you are in a hypermarket. If you have all the time in the world to look and tempt yourself, you will end up buying more than you need.

 

Go shopping every day

Go shopping every day

The idea that you save more if you make a large purchase once a week is not entirely true. Any entry into the store carries the risk of increased spending. This is also true when you buy once a week, because you still go to the grocery store or the supermarket because something is over. You can probably spend a day or two without milk.

 

Discard food

Discard food

Try to record the amount of food you throw in the trash, and it won’t be surprising that with the amount of the month you can feed an entire town. The main reasons for getting rid of food are two: buy more than necessary or buy the wrong thing. The first is clear and the second is related to expiration. In many cases, the food is perfectly edible even if the expiration date has passed. Trust your senses before sending something to the caneca.

 

Gas station synonymous with something to eat

The main idea of ​​service stations is to charge your car. The rest is a trick. It is not necessary that every time you stop to refuel, for the bathroom service or to take a break, buy something to eat, drink or just in case … Not to mention that the products at the service stations are more expensive than in a normal store.

 

 

Pay only or mainly with card

pay with credit card

It’s comfortable, you save the cost of withdrawal by cashier, but … you let yourself be tempted more. If you buy in cash and have previously defined the amount you are going to spend, it is unlikely that you will spend. Also, the fact that you don’t have cash will limit you a little in shopping. Additionally, there is a psychological effect: when you pay with a card you don’t see how you physically separate from the money, while when you pay with cash, you do feel it. And that makes things easier to decide and not so important.

 

 

Games payment

Games payment

That is a skillful way for a few pesos (or more) to constantly escape your account. These are games that you or your children play on the cell phone. Some allow you to buy bonds, coins or resources with real money. When you can pay by phone or card, the person is easily tempted.

 

Purchase clothes at a regular price

Purchase clothes

Whatever you liked in the clothing store, the time will always come, when it will be sold at a discount. Mandatory Sometimes up to a quarter of its regular price. Buy your clothes and shoes with discount at all times, unless it is something indispensable. If you have no reservations regarding used items, you can buy second-hand.