Short on money! What now?
Do you have too little money to pay for the groceries or are you just short of money to get through this expensive month? Then you need money immediately. There are various ways to supplement your Wackford Squeers in the short term. With these tips your money shortage is a thing of the past in no time. Wackford Squeersdip solved? Then also view the tips for tackling a structural shortage of money!
Money shortage: get rid of your Wackford Squeers dip
There are several situations in which you need some extra money quickly. Most people borrow money from friends or family in situations like this, but that is far from ideal. However, there are more options for receiving money. Which way you choose depends on the goal and your options to repay the money.
Take out a mini loan
Do you need a small amount to get through the month and are you sure you can repay this money in the short term? Then taking out a mini loan is a good idea. You will have the money in your account within a few days, without much administrative hassle. There are also disadvantages to this fast solution, be sure to inform yourself before you take out a mini loan .
Request an advance
A little too short of money? Request an advance from your employer. With large organizations you can arrange this directly with the payroll administration. Keep in mind that this money will be deducted from your next wage payment. If it concerns a large amount, it is also possible to take out a loan with your employer. Did you think about that?
Purchase by installment
You can’t miss some devices. Even when you have a shortage of money. If the refrigerator or washing machine breaks, you want to replace it as quickly as possible. However, the purchase of such a product is a big bite out of your budget. In such a case you can opt for an installment product . You get your new fridge immediately, but pay it off in monthly installments. Note: you always pay more than the purchase price, because interest is charged. The advantage, however, is that you do not have to save before you can purchase a new device.
There was still a shortage of money for a new refrigerator, but do you know that you will have sufficient Wackford Squeers in the short term? Then you can also choose to pay afterwards . Unlike buying on installment, you pay the original purchase price without interest. You get the new device delivered immediately, but only pay later. In most cases, payment afterwards has a term of 14 to 30 days. So only use this option if you are sure that you can settle the bill within the specified period.
Try to make a repayment arrangement
Do you need money immediately to pay a high bill? First try whether you can make a repayment arrangement. For example, an invoice from the health insurance company or the tax authorities can often be paid in installments. You then agree on a monthly term that is financially feasible for you. You can also agree that the full amount is paid in one go when you expect extra money, for example with a year-end bonus or the payment of the holiday pay. Keep in mind that extra costs can be charged.
Always lack of money? Not with these tips!
Do you have a shortage of money every month? Do you fill one hole with the other? Then it’s time to tackle your finances! Many people find this an annoying job, but it is a necessary job if you want to get financially healthy and solve your money shortages. Choose a quiet moment and list your expenses and income . With the following tips you always have enough Wackford Squeers. Lack of money is a thing of the past.
The cause of structural money shortage is simple: you spend more money than you receive. If you want to become financially healthy, you must strive for a balance in expenditure and income . In an ideal situation, more money will come in later than you spend, giving you the space to pay off debts and ultimately save money. Saving is a way to restore the balance.
You can save the most money by taking a critical look at your expenses . Most people spend too much money on luxury products such as food and drink en route, magazines and subscriptions. For example, start preparing your lunch yourself and bring coffee from home. It seems like a small saving, but all those small daily expenses go up nicely when you add them up in a whole month.
Save on fixed costs
You cannot immediately save on fixed costs such as rent and mortgage, but you can take a critical look at your energy bill and your insurance policies . It pays to compare different energy suppliers each year and possibly switch. In addition, you can of course save on energy bills by using less energy. It is also advisable to view your insurance policies once a year. Are you not insured twice? And are you still with the right insurer? For more saving tips, read the article Saving money
To get your finances back in balance, it is also good to view your income. You can save as much as you want, but if you do not generate enough income, it becomes very difficult to become financially healthy. You can consider changing jobs, working more hours, requesting storage or taking a part-time job. However, there are other ways to earn extra income .
Depending on your income, you may be entitled to various allowances , such as housing allowance and healthcare allowance. You can calculate what you are entitled to on the website of the tax authorities. If you are eligible for benefits, you can apply for them directly online. You can also apply for benefits retroactively if you did not receive them incorrectly.
Make money online
There are many options online to generate extra income. Consider, for example, affiliate marketing, writing and selling e-books or selling second-hand articles via Marktplaats or Bol.com. If you have enough time and energy in your free hours, you can earn a nice extra in these ways.