Table of contents:
- Personal experience: how to pay off all debts and repay loans in six months
- 10 expensive things to save money
- 9 home furnishings that are definitely worth saving on
- 5 business ideas for which 100,000 rubles will be enough for you
- The ruble collapsed. What you need to know if you don't want to lose your money
- Where is it profitable to invest money, even if there are very few of them?
- How I pay a mortgage on maternity leave: personal experience
- 5 more ways to steal money from your account
- 6 tips for coping with temporary financial difficulties
- 7 financial sins you definitely need to get rid of in 2020
- 8 things that are not profitable to save on
- 10 mistakes that will ruin your credit history
2023 Author: Malcolm Clapton | [email protected]. Last modified: 2023-05-22 06:26
How to deal with debts, where to invest and how to save correctly so as not to make problems in the future.
Personal experience: how to pay off all debts and repay loans in six months
Copywriter Olesya Smirnova did not monitor personal finances, borrowed from friends or used an overdraft card. Once she had no money at all, and she had to take out a bank loan and get into even bigger debts. But she did not give up and began to improve financial literacy. As a result, Olesya managed to rectify the situation and gain a profit. And in this column, she decided to share her experience.
10 expensive things to save money
An attempt to save money does not always lead to the desired result. It would seem, why buy an induction cooker if you can take a regular gas one. But when using an induction cooker, 84% of the heat is spent on heating the bottom of the dishes, while for a gas cooker this figure is only 40%. This means that energy is spent more productively. The same goes for light bulbs, clothing, shoes, and more. Therefore, quickly open the article to find out what else is not worth saving on.
9 home furnishings that are definitely worth saving on
If in the examples above it is worth overpaying, then in the case of these things, on the contrary, it is not worth doing so. It makes no sense to buy expensive waffle makers, bread makers, pancake makers, electric BBQ makers and fondue makers if you use them once a year. And you can also save on dishes, cutting boards, children's goods and sports equipment. Click on the link to understand everything properly.
5 business ideas for which 100,000 rubles will be enough for you
If you want to try your hand at entrepreneurship and do not know where to start, then this article is for you. For example, you can start growing seedlings, buy a franchise or start an online store - choose what you like and try. And we talked about all the nuances that need to be taken into account in this material.
The ruble collapsed. What you need to know if you don't want to lose your money
We hope that the article will someday cease to be relevant. But not now. Therefore, we tell you what to do if you do not want to constantly suffer from the upsetting ruble exchange rate, and we figure out how to deal with your savings and stocks in the current conditions. Follow the link and be sure to bookmark the material.
Where is it profitable to invest money, even if there are very few of them?
If you have an extra 30 or even 10 thousand rubles and you do not want to waste them, then this material is for you. Yes, the range of investments here is limited: investing in real estate and renting it out will not work. But good options still remain. And even if you do not get rich by investing 10 thousand, it will become a guarantee of the future.
How I pay a mortgage on maternity leave: personal experience
Having a baby and deciding on maternity leave is not an easy time, especially if you have to pay your mortgage at the same time. But not for our heroine: Ekaterina is still a year away from going to work, but she has learned to understand finance well, formed herself a financial cushion and declares that she is not afraid of the economic crisis. And to find out how she did it, we asked her to share her experience with the readers of Lifehacker.
5 more ways to steal money from your account
Everyone knows that you don't need to tell anyone passwords from SMS and say three numbers from the back of the card. But theft from accounts is not getting smaller, and fraudsters come up with more and more sophisticated deception schemes. In this material, Lifehacker has collected the most common of them.
6 tips for coping with temporary financial difficulties
Anyone can lose a source of income or go into debt due to unfortunate circumstances. And in such cases, it is important not to panic, but to correctly assess the situation and begin to act. To help its readers, Lifehacker has prepared a special step-by-step plan for different occasions.
7 financial sins you definitely need to get rid of in 2020
Don't keep track of expenses and income? This means that you will not be able to save and spend rationally. Choosing momentary pleasures over important goals? Obviously don't take care of yourself in the long run. Understand your financial sin and start working on yourself. It may not save your soul, but it will definitely have a beneficial effect on your wallet.
8 things that are not profitable to save on
We often condemn those who spend too much. But there is another extreme - excessive economy. In itself, this is a good quality, but not when you start to save on everything in a row. Late dental treatment, poor sleep, and inadequate safety concerns can be even more costly. Let's figure it out together, in which cases it is better to spend money, so as not to regret it later.
10 mistakes that will ruin your credit history
Everyone may need a loan, but the bank will not issue it if you have a bad credit history. For example, if you often change personal data, do not make payments, and sometimes - if you repay loans too quickly. We analyze these and other mistakes that can make you look bad in front of the bank.