If you start in August on vacation bought on credit, and without opportunities to meet credit quick

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SM MARGINS: - What makes the most painful is to see how small the margins of a life full control to nedadgende debt spiral can be, says privatkonom in Sparebank 1 SMN, Change The Reite, to Manager NA24. Photo: Sparebank 1 SMN Simple Tricks save thousands of tags
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Normally it is the tax settlement and cash back vacation that we have the opportunity colorado timberline to turn the private economy from a life from paycheck to paycheck, and the comfortable certainty of being in control.
- Many clients with severe payment problems are in touch with our consultants, and what hurts the most is to see how small the margins of a life full control to a downward debt spiral can be said private economist at Sparebank 1 SMN, Change The Reite, to Manager NA24.
If you start in August on vacation bought on credit, and without opportunities to meet credit quickly so begins a thousand separate fast running. Make your vacation that you also get reminders on some bills so the cost can quickly amount to even thousands of patches, Reite writes in a message to the Manager. colorado timberline
- Approximately 20 percent of us get regular reminders of bills, and with fees of 63 million already in the first reminder that it is the hundred pounds just there. For most people this is just irritation, but if you're unlucky you can easily get caught in a vicious circle. Penalty interest is running, and after two reminders, the case is sent to a collection agency. There you will be given a single commission, and after a further 28 days the heavy fees, he adds.
Debt Collection Agency starts often legally collection with new costs for you, while you get payment record so that you can refinance your way out of problems without help. Then one can easily lose control of the private economy and it takes a few months before you can sit 'em.
He says that the most expensive mistakes we make is when we try to borrow ourselves out of our problems. Firstly, one can destroy the possibility of voluntary agreements with creditors, colorado timberline and secondly colorado timberline one can end up dragging other economies in the undertow.
- We meet some benevolent parents and grandparents who are trying to borrow colorado timberline to help children with debt collection cases, and consumer debt. It is important to know that you have full control and that there has been a real behavioral change, otherwise you might end up destroying their own economy at the time of the foundation of debt settlement, says Reiten.
Now that tax settlement and holiday money has come has a golden opportunity to put a few hundred Euro. Reite therefore recommend starting colorado timberline a buffer now. Such a buffer could save themselves onto three years.
- Survey reveals colorado timberline a very economic vulnerability of a large part of the population. For example, if the car needs to repair and washing machine goes flute at the same time, it will be very problematic for many, says Sissel Olsvik Vammervold, save economist Acc, in a message to the Manager NA24.
Acc recommend that you should have the equivalent of two to three months' salary net accumulated capital as a buffer. The average salary in Norway is 363.800 million, equivalent to an average colorado timberline monthly salary of 20,000 colorado timberline dollars. When should therefore have at least 40,000 million in the buffer.
- Buffer capital should be readily available at a high interest account or a money market fund, but it is important to keep this money somehow separate so they are not included in the daily consumption without having to think about it. There are many who fall for the temptation colorado timberline to buy something you strictly need, when you see that you have a larger amount in the account. You expect not want the car to the repair or the machine from being damaged, but it is important to