Has your mother never taught you to tear off a patch quickly?? Then it only hurts a moment instead of pulling the pain out. She could have taught you the same about installment and consumer loans.
It has become more and more common to borrow money, and where loans used to belong to home and car purchases, it is now used for everything! Mobile phones, computers, clothing, shoes, vacations, training equipment; everything! It is seen as a service that you can split the payment over 12, 24, 36 months. Few people notice the 500-2.000kr. as the “service” costs.
The longer you pay off, the more expensive it becomes! That way, installment and consumer loans are your economy’s snooze button; You just postpone having to get out of the hot bed and start the day!
Preserved if it is the only option you have, and you lack a computer without 4000, – on your pocket, then it is a solution to get the computer right away. But whatever you turn around and turn around, it will always be cheapest for you to save money together.
If you can find 470, – a month to pay off a loan, can you not find 400, – for the savings either? However, the 70, – will not go to what you buy, but interest and fees.
Hard to save
Especially young people find it hard to put money aside, and that is as the mentality of borrowing money has changed.
It is no fun to have less money every month because a fixed amount goes to a savings account where they are just waiting to be used. So it’s more fun to have a computer now and then, and then pay it in the future. But here you have to think about the future: how hard it is, in a year and a half that every month there is 486, – to a computer you got so long ago!
But as I said; If you want to get cheaper, you have to steer clear of the installment! And fortunately there are tools that can make savings a little more fun. A user on Meer.dk will give you a visual overview of your finances every month, without having to touch a finger. Here you can first see what you spend money on now. You get an overview of your consumption and will be able to quickly see how many caffé latte you have to do without, to afford to afford a MacBook. Most people who try Meer get many of these kind of aha experiences, and quickly find out how important small changes can be.
Root in the economy damages you
Saving is not fun and you may not want to know your consumption. But rooted in the economy degrades your quality of life and there is a great mental reward in saving up for what you want and going down and buying it!