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Why it’s important to pay off debts in the right order

The consequences of not paying off some debts before others can be more serious.

What are priority debts?

Priority debts are those that carry the most serious consequences if you don’t pay them. These don’t have to be the largest or debts with the most expensive interest rates, but if you don’t pay them it could lead to problems.

Priority debts include:

  • Court fines
  • Council Tax
  • TV Licence
  • Child maintenance
  • Gas and electricity bills
  • Income Tax, National Insurance and VAT
  • Mortgage, rent and any loans secured against your home
  • Hire purchase agreements, if what you’re buying with them is essential.

Why you should pay off priority debts first

The consequences of not paying off priority debts could be:

  • A visit by bailiffs
  • Receiving a court summons
  • Having your heating or lighting cut off - due to unpaid bills
  • Being made bankrupt
  • Losing your home – because you’re not keeping up with mortgage or rent payments.

The following link provides further information on dealing with priority debts: National Debtline’s guide to dealing with priority debts

What are non-priority debts?

The consequences of not paying non-priority debts are less serious however if you don’t pay off non-priority debts, your creditor could eventually take you to court or instruct bailiffs to collect money from you on their behalf. Examples of non-priority debts include:

  • Overdrafts
  • Personal loans
  • Banks or building society loans
  • Money borrowed from friends or family
  • Credit card, store card debts or payday loans
  • Catalogue, home credit or in-store credit debts

Water and sewerage bills

Water and sewerage bills are treated as non-priority debts, but you should include them as essential household outgoings. They are an ongoing service that you need to pay for and if you don’t pay any outstanding current water and sewerage bills, the amount you owe will continue to increase.

How to pay off non-priority debts faster

You should try to pay at least the minimum payment amount on all debts to avoid incurring further charges. If you can afford to pay more, it’s often wise to spread the money in the following way to save on interest costs and become debt free quicker.

  • Firstly, target the debt with the highest interest rate shown on your monthly statement or loan agreement first.
  • Check that you won’t be charged any penalty or default charges for making overpayments.
  • Pay as much as you can afford without breaking the terms of any other credit agreements you have.
  • Once you’ve cleared your most expensive debt, focus on overpaying your next most expensive one.
  • If you’re really struggling with your card bills, get free, confidential and impartial advice and support from a debt advice organisation.
  • Paying the minimum repayment amount each month will help to make it feel like the debt is affordable, but this can be a bad idea. Paying only the minimum amount due each month will only make small inroads into your overall debt - and it could take longer, and cost more to repay the balance. This could affect your chance of getting a mortgage.
  • Always try and repay as much as you can afford to. Even if you only increase your repayments by a small amount each month, it can make a huge difference.

Pay the most expensive card first

  • If you have store cards, they will probably be more expensive than credit card debts, so pay them off first.
  • Credit cards charge different rates of interest and these will usually show on your statement.
  • Out of all your cards, pay the most off the balance of the one with the highest interest rate first, depending upon what kind of balances you have on the card - whether purchases, balance transfers or cash withdrawals.
  • Make sure you pay at least the minimum payment on all your cards, otherwise you will incur additional fees and charges.
  • Get a balance transfer card.
  • If you have a good credit rating you might be able to move your current credit card balance to another credit card offering a low or 0% deal.
  • There’s usually a fee to pay for this of between 1.5% and 3% of the balance transferred, but it can be worth it as the following example shows.

Amount owed

£5,000

Monthly repayment

£300

Current credit card interest rate

19%

Time to pay off debt using current credit card

One year, eight months

Cost of interest over that time

£772

New credit card interest rate

0% (for 18 months)

Balance transfer fee on a new credit card (3% of the amount owed)

£150

Time to pay off debt using new credit card

One year, five months

Total interest saving by using 0% credit card
(interest on 19% card minus balance transfer fee)

£622

  • Staying with the current deal means you would pay £622 in extra interest.
  • Be aware that you will need a good credit rating to qualify for the best balance transfer deals.

Where to get free debt advice

If you’re struggling with debt, it can be hard to know where to turn. But with lots of free advice services available across the UK, you can find help in a way that’s best for you.

How will a debt adviser help you?

A debt adviser will:

  • Never judge you or make you feel bad about your situation;
  • Always be happy to talk to you, however big or small your problem might be;
  • Find ways to manage your debts even if you think you have no spare money;
  • Suggest ways to deal with debts that you might not know about.

You can find out more about debt advice services here: https://www.moneyadviceservice.org.uk/en

The content of this article does not constitute individual financial advice.

Why it’s important to pay off debts in the right order

The consequences of not paying off some debts before others can be more serious.

What are priority debts?

Priority debts are those that carry the most serious consequences if you don’t pay them. These don’t have to be the largest or debts with the most expensive interest rates, but if you don’t pay them it could lead to problems.

Priority debts include:

  • Court fines
  • Local Property Tax
  • TV Licence
  • Gas and electricity bills
  • Income Tax, PRSI, USC and VAT
  • Mortgage, rent and any loans secured against your home
  • Hire purchase agreements, if what you’re buying with them is essential.

Why you should pay off priority debts first

The consequences of not paying off priority debts could be:

  • A visit by bailiffs
  • Receiving a court summons
  • Having your heating or lighting cut off - due to unpaid bills
  • Being made bankrupt
  • Losing your home – because you’re not keeping up with mortgage or rent payments.

What are non-priority debts?

The consequences of not paying non-priority debts are less serious however if you don’t pay off non-priority debts, your creditor could eventually take you to court or instruct bailiffs to collect money from you on their behalf. Examples of non-priority debts include:

  • Overdrafts
  • Personal loans
  • Banks or building society loans
  • Money borrowed from friends or family
  • Credit card, store card debts or payday loans

How to pay off non-priority debts faster

You should try to pay at least the minimum payment amount on all debts to avoid incurring further charges. If you can afford to pay more, it’s often wise to spread the money in the following way to save on interest costs and become debt free quicker.

  • Firstly, target the debt with the highest interest rate shown on your monthly statement or loan agreement first.
  • Check that you won’t be charged any penalty or default charges for making overpayments.
  • Pay as much as you can afford without breaking the terms of any other credit agreements you have.
  • Once you’ve cleared your most expensive debt, focus on overpaying your next most expensive one.
  • If you’re really struggling with your card bills, get free, confidential and impartial advice and support from a debt advice organisation.
  • Paying the minimum repayment amount each month will help to make it feel like the debt is affordable, but this can be a bad idea. Paying only the minimum amount due each month will only make small inroads into your overall debt - and it could take longer, and cost more to repay the balance. This could affect your chance of getting a mortgage.
  • Always try and repay as much as you can afford to. Even if you only increase your repayments by a small amount each month, it can make a huge difference.

Pay the most expensive card first

  • If you have store cards, they will probably be more expensive than credit card debts, so pay them off first.
  • Credit cards charge different rates of interest and these will usually show on your statement.
  • Out of all your cards, pay the most off the balance of the one with the highest interest rate first, depending upon what kind of balances you have on the card - whether purchases, balance transfers or cash withdrawals.
  • Make sure you pay at least the minimum payment on all your cards, otherwise you will incur additional fees and charges.
  • Get a balance transfer card.
  • If you have a good credit rating you might be able to move your current credit card balance to another credit card offering a low or 0% deal for a certain period e.g. 6 months
  • In some instances, there may be a fee to pay for this e.g. 3% of the balance transferred, but it can be worth it.
  • Be aware that you will need a good credit rating to qualify for the best balance transfer deals.
  • You need a good credit rating to qualify for the best balance transfer deals.

Where to get free debt advice

If you’re struggling with debt, it can be hard to know where to turn. But with lots of free advice services available across Ireland, you can find help in a way that’s best for you.

How will a debt adviser help you?

A debt adviser will:

  • Never judge you or make you feel bad about your situation;
  • Always be happy to talk to you, however big or small your problem might be;
  • Find ways to manage your debts even if you think you have no spare money;
  • Suggest ways to deal with debts that you might not know about.

You can find out more about debt advice services here: https://www.citizensinformation.ie/en/money_and_tax/personal_finance/debt/mabs_service.html

The information does not take into account the specific investment objectives, financial situation or particular needs of any particular person who may be in receipt of the materials. Accordingly, it should not be relied on or treated as a substitute for specific advice concerning individual situations. Please seek advice from a financial adviser regarding the suitability of any investment product taking into account your specific investment objectives, financial situation or particular needs before you make a commitment to purchase an investment product. You are also recommended to obtain such other professional advice where appropriate. The information is provided in good faith and believed to be accurate as of the time of compilation. We do not undertake an obligation to update the materials or to correct any inaccuracy that may become apparent at a later time. You should always consult primary or more accurate or more up-to-date sources of information.

Sometimes being a control freak is a good thing! Especially when it comes to being in control of your debts.

For those of us with a mortgage, this often represents your single biggest debt. Or perhaps you have amassed credit card debt through months and even years of unhealthy spending habits? The first step is to improve your cashflow is to reduce your debts and the associated expenses by using any surplus you have or can create and redirect this towards reducing your debts. Over the long term you will ultimately save more.

Review your loans on a regular basis. Call your bank to attract the best terms and interest rate. There are comparator sites available and by drawing a comparison with other bank rates can also help you better understand if you can realistically reduce your interest rate. You could look at making some small changes, like increasing the frequency of your repayments (for example from fortnightly to monthly) or repaying an extra amount every month. These small steps can help you speed up the rate of repayment of your debt, reduce your interest payments and mean more money in your pocket!

A few key points to consider when getting in control of your debts:

  • Given the high amount of interest charged, credit cards should be repaid as your first priority. Compounding interest can be very positive when it comes to accelerating your earnings on when it comes to your assets and conversely it can result in a terrible outcome on unpaid credit cards, accelerating the interest payable!
  • Call your bank and draw a comparison with other banks and their respective interest rates. This will help you better understand if there are options to reduce your interest rate.
  • Consider increasing your loan repayment frequency. For example, from monthly to fortnightly. This will speed up your repayment and save you interest.
  • Where your budget permits, consider making additional repayments, even if it seems small, it will help you repay your loan quicker and it all adds up!
  • Consider the option of fixed rates and whether it makes sense for you. This will help you manage to your budget and plan ahead.

Consolidate your debt. If you have several credit cards, seek to understand if you can combine it all under the one provider. Taking some time to consider whether this strategy might result in a lower interest rate for you.

Disclaimer: The information is brought to you by Aon Singapore Pte Ltd, registration number 198301525W. Aon Singapore Pte Ltd is a registered insurance broker and exempt financial adviser regulated by the Monetary Authority of Singapore. The information does not take into account the specific investment objectives, financial situation or particular needs of any particular person who may be in receipt of the materials. Accordingly, it should not be relied on or treated as a substitute for specific advice concerning individual situations. Please seek advice from a financial adviser regarding the suitability of any investment product taking into account your specific investment objectives, financial situation or particular needs before you make a commitment to purchase an investment product. You are also recommended to obtain such other professional advice where appropriate. The information is provided in good faith and believed to be accurate as of the time of compilation. We do not undertake an obligation to update the materials or to correct any inaccuracy that may become apparent at a later time. You should always consult primary or more accurate or more up-to-date sources of information.

Sometimes being a control freak is a good thing! Especially when it comes to being in control of your debts. 

For those of us with a mortgage, this often represents your single biggest debt. Or perhaps you have amassed credit card debt through months and even years of unhealthy spending habits? The first step is to improve your cashflow is to reduce your debts and the associated expenses by using any surplus you have or can create and redirect this towards reducing your debts. Over the long term you will ultimately save more.

Review your loans on a regular basis. Call your bank to attract the best terms and interest rate. There are comparator sites available and by drawing a comparison with other bank rates can also help you better understand if you can realistically reduce your interest rate. You could look at making some small changes, like increasing the frequency of your repayments (for example from fortnightly to monthly) or repaying an extra amount every month. These small steps can help you speed up the rate of repayment of your debt, reduce your interest payments and mean more money in your pocket!

A few key points to consider when getting in control of your debts:

  • Given the high amount of interest charged, credit cards should be repaid as your first priority. Compounding interest can be very positive when it comes to accelerating earnings on your assets, but it can result in a terrible outcome on unpaid credit cards, accelerating the interest payable!
  • Call your bank and draw a comparison with other banks and their respective interest rates. This will help you better understand if there are options to reduce your interest rate.
  • Consider increasing your loan repayment frequency. For example, from monthly to fortnightly. This will speed up your repayment and save you interest.
  • Where your budget permits, consider making additional repayments, even if it seems small, it will help you repay your loan quicker and it all adds up!
  • Consider the option of fixed interest rates and whether it makes sense for you. This will help you manage to your budget and plan ahead.
  • Consolidate your debt. If you have several credit cards, seek to understand if you can combine it all under the one provider. Taking some time to consider whether this strategy might result in a lower interest rate for you.

You should think twice before borrowing money and work out whether you really need it.

Disclaimer: The information is brought to you by Aon Hong Kong Limited. The information does not take into account the specific investment objectives, financial situation or particular needs of any particular person who may be in receipt of the materials. Accordingly, it should not be relied on or treated as a substitute for specific advice concerning individual situations. Please seek advice from a financial adviser regarding the suitability of any investment product taking into account your specific investment objectives, financial situation or particular needs before you make a commitment to purchase an investment product. You are also recommended to obtain such other professional advice where appropriate. The information is provided in good faith and believed to be accurate as of the time of compilation. We do not undertake an obligation to update the materials or to correct any inaccuracy that may become apparent later. You should always consult primary or more accurate or more up-to-date sources of information.

Sometimes being a control freak is a good thing! Especially when it comes to being in control of your debts.

For those of us with a mortgage, this often represents your single biggest debt. Or perhaps you have amassed credit card debt through months and even years of unhealthy spending habits? The first step is to improve your cashflow is to reduce your debts and the associated expenses by using any surplus you have or can create and redirect this towards reducing your debts. Over the long term you will ultimately save more.

Review your loans on a regular basis. Call your bank to attract the best terms and interest rate. There are comparator sites available and by drawing a comparison with other bank rates can also help you better understand if you can realistically reduce your interest rate. You could look at making some small changes, like increasing the frequency of your repayments (for example from fortnightly to monthly) or repaying an extra amount every month. These small steps can help you speed up the rate of repayment of your debt, reduce your interest payments and mean more money in your pocket!

A few key points to consider when getting in control of your debts:

  • Given the high amount of interest charged, credit cards should be repaid as your first priority. Compounding interest can be very positive when it comes to accelerating your earnings on when it comes to your assets and conversely it can result in a terrible outcome on unpaid credit cards, accelerating the interest payable!
  • Call your bank and draw a comparison with other banks and their respective interest rates. This will help you better understand if there are options to reduce your interest rate.
  • Consider increasing your loan repayment frequency. For example, from monthly to fortnightly. This will speed up your repayment and save you interest.
  • Where your budget permits, consider making additional repayments, even if it seems small, it will help you repay your loan quicker and it all adds up!
  • Consider the option of fixed rates and whether it makes sense for you. This will help you manage to your budget and plan ahead.

Consolidate your debt. If you have several credit cards, seek to understand if you can combine it all under the one provider. Taking some time to consider whether this strategy might result in a lower interest rate for you.

Disclaimer: The information is brought to you by Aon Insurance & Reinsurance Brokers Philippines Inc., registration number 96590. The information does not take into account the specific investment objectives, financial situation or particular needs of any particular person who may be in receipt of the materials. Accordingly, it should not be relied on or treated as a substitute for specific advice concerning individual situations. Please seek advice from a financial adviser regarding the suitability of any investment product taking into account your specific investment objectives, financial situation or particular needs before you make a commitment to purchase an investment product. You are also recommended to obtain such other professional advice where appropriate. The information is provided in good faith and believed to be accurate as of the time of compilation. We do not undertake an obligation to update the materials or to correct any inaccuracy that may become apparent at a later time. You should always consult primary or more accurate or more up-to-date sources of information.

Sometimes being a control freak is a good thing! Especially when it comes to being in control of your debts.

For those of us with a mortgage, this often represents your single biggest debt. Or perhaps you have amassed credit card debt through months and even years of unhealthy spending habits? The first step is to improve your cashflow is to reduce your debts and the associated expenses by using any surplus you have or can create and redirect this towards reducing your debts. Over the long term you will ultimately save more.

Review your loans on a regular basis. Call your bank to attract the best terms and interest rate. There are comparator sites available and by drawing a comparison with other bank rates can also help you better understand if you can realistically reduce your interest rate. You could look at making some small changes, like increasing the frequency of your repayments (for example from fortnightly to monthly) or repaying an extra amount every month. These small steps can help you speed up the rate of repayment of your debt, reduce your interest payments and mean more money in your pocket!

A few key points to consider when getting in control of your debts:

  • Given the high amount of interest charged, credit cards should be repaid as your first priority. Compounding interest can be very positive when it comes to accelerating your earnings on when it comes to your assets and conversely it can result in a terrible outcome on unpaid credit cards, accelerating the interest payable!
  • Call your bank and draw a comparison with other banks and their respective interest rates. This will help you better understand if there are options to reduce your interest rate.
  • Consider increasing your loan repayment frequency. For example, from monthly to fortnightly. This will speed up your repayment and save you interest.
  • Where your budget permits, consider making additional repayments, even if it seems small, it will help you repay your loan quicker and it all adds up!
  • Consider the option of fixed rates and whether it makes sense for you. This will help you manage to your budget and plan ahead.
  • Consolidate your debt. If you have several credit cards, seek to understand if you can combine it all under the one provider. Taking some time to consider whether this strategy might result in a lower interest rate for you.

Disclaimer: The information is brought to you by Aon Hewitt Consulting (Shanghai) Co. Ltd. registration number 310000400102466. The information does not take into account the specific investment objectives, financial situation or particular needs of any particular person who may be in receipt of the materials. Accordingly, it should not be relied on or treated as a substitute for specific advice concerning individual situations. Please seek advice from a financial adviser regarding the suitability of any investment product taking into account your specific investment objectives, financial situation or particular needs before you make a commitment to purchase an investment product. You are also recommended to obtain such other professional advice where appropriate. The information is provided in good faith and believed to be accurate as of the time of compilation. We do not undertake an obligation to update the materials or to correct any inaccuracy that may become apparent at a later time. You should always consult primary or more accurate or more up-to-date sources of information.

有时候成为一个控制狂是件好事!尤其是在自己的债务方面。

对于我们这些有抵押贷款的人来说,贷款通常是最大的一笔债务。也有可能由于长年累月不健康的消费习惯,您的信用卡累积了一些债务。掌控债务的第一步是改善您的现金流,通过利用您拥有的或可以创造的任何现金盈余来减少您的债务和相关利息费用,扭转债务累积的趋势。从长远来看,您最终会省下更多钱。

定期审查您的贷款。打电话给您的银行,以争取最佳条款和利率。现在有专门的网站可以帮您比较其他银行的利率,让您更清楚自己究竟能否获得更低的利率。您可以考虑做一些小的改变,比如增加还款频率(例如从每两周一次次到每月一次)或者每月多还一些。这些小改变可以帮助您加快还贷的速度,减少利息支出,并且让您口袋里有更多的钱!

控制债务时要注意以下几个关键点:

  • 考虑到信用卡逾期的高额利息,您应该把还清信用卡视为第一要务。复利计息有时候很有利,比如涉及到您的资产时,它可以加速您的收益,但相反,对于未还清的信用卡,它会导致一个可怕的后果:让您的应付利息如滚雪球一般越来越高!
  • 咨询您的银行,将您的利率与其他银行进行比较。这将帮助您更好地了解是否有更低利率可供选择。
  • 考虑提高您的还贷频率。例如,从每月一次到每两周一次。这将加快您的还款速度并节省利息。
  • 在预算允许的情况下,考虑额外还款,即使只是一点点,但它会帮助您更快地还清贷款,而且这一切都是值得的!
  • 考虑固定利率贷款,以及它对您是否有意义。这将帮助您管理您的预算和提前规划还款。

免责声明:以上信息由怡安翰威特咨询(上海)有限公司(注册号310000400102466)提供。由于未考虑可能接收该信息的任何特定人士的具体投资目标、财务状况或特殊需求,因此,上述信息不能代替针对个别情况的具体建议。在您决定购买某投资产品之前,请考虑您的具体投资目标、财务状况或特殊需求,并向理财顾问咨询相关投资产品的适用性。此外,建议您在必要时获取其他专业建议。以上信息出于善意提供,在汇编时确认准确。我司无义务在今后更新相关信息或更正发现的不准确信息。用户应不时查阅各种信息来源,以获取准确的最新一手信息。

Sometimes being a control freak is a good thing! Especially when it comes to being in control of your debts.

For those of us with a mortgage, this often represents your single biggest debt. Or perhaps you have amassed credit card debt through months and even years of unhealthy spending habits? The first step is to improve your cashflow is to reduce your debts and the associated expenses by using any surplus you have or can create and redirect this towards reducing your debts. Over the long term you will ultimately save more.

Review your loans on a regular basis. Call your bank to attract the best terms and interest rate. There are comparator sites available and by drawing a comparison with other bank rates can also help you better understand if you can realistically reduce your interest rate. You could look at making some small changes, like increasing the frequency of your repayments (for example from fortnightly to monthly) or repaying an extra amount every month. These small steps can help you speed up the rate of repayment of your debt, reduce your interest payments and mean more money in your pocket!

A few key points to consider when getting in control of your debts:

  • Given the high amount of interest charged, credit cards should be repaid as your first priority. Compounding interest can be very positive when it comes to accelerating your earnings on when it comes to your assets and conversely it can result in a terrible outcome on unpaid credit cards, accelerating the interest payable!
  • Call your bank and draw a comparison with other banks and their respective interest rates. This will help you better understand if there are options to reduce your interest rate.
  • Consider increasing your loan repayment frequency. For example, from monthly to fortnightly. This will speed up your repayment and save you interest.
  • Where your budget permits, consider making additional repayments, even if it seems small, it will help you repay your loan quicker and it all adds up!
  • Consider the option of fixed rates and whether it makes sense for you. This will help you manage to your budget and plan ahead.
  • Consolidate your debt. If you have several credit cards, seek to understand if you can combine it all under the one provider. Taking some time to consider whether this strategy might result in a lower interest rate for you.

Sometimes being a control freak is a good thing! Especially when it comes to being in control of your debts.

For those of us with a mortgage/home-loan, this often represents your single biggest debt. Or perhaps you have amassed credit card debt through months and even years of unhealthy spending habits? The first step is to improve your cashflow is to reduce your debts and the associated expenses by using any surplus you have or can create and redirect this towards reducing your debts. Over the long term you will ultimately save more.

Review your loans on a regular basis. Call your bank to attract the best terms and interest rate. There are comparator sites available and by drawing a comparison with other bank rates can also help you better understand if you can realistically reduce your interest rate. You could look at making some small changes, like increasing the frequency of your repayments (for example from monthly to fortnightly) or repaying an extra amount every month. These small steps can help you speed up the rate of repayment of your debt, reduce your interest payments and mean more money in your pocket!

A few key points to consider when getting in control of your debts:

  • Given the high amount of interest charged, credit cards should be repaid as your first priority. Compounding interest can be very positive when it comes to accelerating your earnings on when it comes to your assets and conversely it can result in a terrible outcome on unpaid credit cards, accelerating the interest payable!
  • Call your bank and draw a comparison with other banks and their respective interest rates. This will help you better understand if there are options to reduce your interest rate.
  • Consider increasing your loan repayment frequency. For example, from monthly to fortnightly. This will speed up your repayment and save you interest.
  • Where your budget permits, consider making additional repayments, even if it seems small, it will help you repay your loan quicker and it all adds up!
  • Consider the option of fixed rates and whether it makes sense for you. This will help you manage to your budget and plan ahead.
  • Consolidate your debt. If you have several credit cards, seek to understand if you can combine it all under the one provider. Taking some time to consider whether this strategy might result in a lower interest rate for you.

Author is not a financial advisor, tax professional or legal advisor. The article and its content is for informational purposes only, reader should not construe any such information or other material as legal, tax, investment, financial, or other advice. All information, data, strategies, reports, articles and all other features of this article are provided for informational and educational purposes only and should not be considered or inferred as personalized investment advice. Article may contain errors, and the reader should not make any financial or investment decision based solely on what the reader reads in this article and writing. It shall be reader’s responsibility to perform its own due diligence, and reader must make its own decisions. Be advised and aware that financial and investment decisions involve risk. Author accept no liability whatsoever for any direct or consequential loss arising from any use of author’s writings, products, services, website, or other content, including contents of this article. Reader is responsible for its own investment research and decisions. Reader should seek the advice of a qualified investment advisor and fully understand any and all risks before investing or making any financial decision. Author make no representation that any reader will or is likely to experience results as cited in this article. All results of author’s recommendations are not based on actual investments by author and are based upon a hypothesis, available statistics and surveys which have limitations and do not reflect all components of actual investments. Reader’s actual results may vary based upon many factors. All content and references to third-party sources is provided solely for convenience. This information may be inaccurate, use at your own risk.

By reading this article or any of its contents you agree that neither author nor its employees, shareholders, directors, contractors, affiliates, agents, third party content providers or licensors will be liable for any direct, indirect, incidental or any other type of claim, liability, cost, damage or loss resulting from reader’s use of any of this content. This includes, but is not limited to, loss or injury caused in whole or in part by contingencies beyond our control.

Sometimes being a control freak is a good thing! Especially when it comes to being in control of your debts.

For those of us with a mortgage/home-loan, this often represents your single biggest debt. Or perhaps you have amassed credit card debt through months and even years of unhealthy spending habits? The first step is to improve your cashflow is to reduce your debts and the associated expenses by using any surplus you have or can create and redirect this towards reducing your debts. Over the long term you will ultimately save more.

Review your loans on a regular basis. Call your bank to attract the best terms and interest rate. There are comparator sites available and by drawing a comparison with other bank rates can also help you better understand if you can realistically reduce your interest rate. You could look at making some small changes, like increasing the frequency of your repayments (for example from monthly to fortnightly) or repaying an extra amount every month. These small steps can help you speed up the rate of repayment of your debt, reduce your interest payments and mean more money in your pocket!

A few key points to consider when getting in control of your debts:

  • Given the high amount of interest charged, credit cards should be repaid as your first priority. Compounding interest can be very positive when it comes to accelerating your earnings on when it comes to your assets and conversely it can result in a terrible outcome on unpaid credit cards, accelerating the interest payable!
  • Call your bank and draw a comparison with other banks and their respective interest rates. This will help you better understand if there are options to reduce your interest rate.
  • Consider increasing your loan repayment frequency. For example, from monthly to fortnightly. This will speed up your repayment and save you interest.
  • Where your budget permits, consider making additional repayments, even if it seems small, it will help you repay your loan quicker and it all adds up!
  • Consider the option of fixed rates and whether it makes sense for you. This will help you manage to your budget and plan ahead.
  • Consolidate your debt. If you have several credit cards, seek to understand if you can combine it all under the one provider. Taking some time to consider whether this strategy might result in a lower interest rate for you.

The content of this article does not constitute individual financial advice.

Sometimes being a control freak is a good thing! Especially when it comes to being in control of your debts.

For those of us with a mortgage/home-loan, this often represents your single biggest debt. Or perhaps you have amassed credit card debt through months and even years of unhealthy spending habits? The first step is to improve your cashflow is to reduce your debts and the associated expenses by using any surplus you have or can create and redirect this towards reducing your debts. Over the long term you will ultimately save more.

Review your loans on a regular basis. Call your bank to attract the best terms and interest rate. There are comparator sites available and by drawing a comparison with other bank rates can also help you better understand if you can realistically reduce your interest rate. You could look at making some small changes, like increasing the frequency of your repayments (for example from monthly to fortnightly) or repaying an extra amount every month. These small steps can help you speed up the rate of repayment of your debt, reduce your interest payments and mean more money in your pocket!

A few key points to consider when getting in control of your debts:

  • Given the high amount of interest charged, credit cards should be repaid as your first priority. Compounding interest can be very positive when it comes to accelerating your earnings on when it comes to your assets and conversely it can result in a terrible outcome on unpaid credit cards, accelerating the interest payable!
  • Call your bank and draw a comparison with other banks and their respective interest rates. This will help you better understand if there are options to reduce your interest rate.
  • Consider increasing your loan repayment frequency. For example, from monthly to fortnightly. This will speed up your repayment and save you interest.
  • Where your budget permits, consider making additional repayments, even if it seems small, it will help you repay your loan quicker and it all adds up!
  • Consider the option of fixed rates and whether it makes sense for you. This will help you manage to your budget and plan ahead.
  • Consolidate your debt. If you have several credit cards, seek to understand if you can combine it all under the one provider. Taking some time to consider whether this strategy might result in a lower interest rate for you.

The information in this report does not take into account the specific investment objectives, financial situation or particular needs of any particular person who may be in receipt of the materials. Accordingly, it should not be relied on or treated as a substitute for specific advice concerning individual situations.

While we have made every attempt to ensure that the information contained in this report has been obtained from reliable sources, Aon is not responsible for any errors or omissions, or for the results obtained from the use of this information. All information in this report is provided "as is", with no guarantee of completeness, accuracy, timeliness or of the results obtained from the use of this information, and without warranty of any kind, express or implied, including, but not limited to warranties of performance, merchantability and fitness for a particular purpose. In no event will Aon be liable to you or anyone else for any decision made or action taken in reliance on the information in this report or for any consequential, special or similar damages, even if advised of the possibility of such damages.

Sometimes being a control freak is a good thing! Especially when it comes to being in control of your debts.

For those of us with a mortgage/home-loan, this often represents your single biggest debt. Or perhaps you have amassed credit card debt through months and even years of unhealthy spending habits? The first step is to improve your cashflow is to reduce your debts and the associated expenses by using any surplus you have or can create and redirect this towards reducing your debts. Over the long term you will ultimately save more.

Review your loans on a regular basis. Call your bank to attract the best terms and interest rate. There are comparator sites available and by drawing a comparison with other bank rates can also help you better understand if you can realistically reduce your interest rate. You could look at making some small changes, like increasing the frequency of your repayments (for example from monthly to fortnightly) or repaying an extra amount every month. These small steps can help you speed up the rate of repayment of your debt, reduce your interest payments and mean more money in your pocket!

A few key points to consider when getting in control of your debts:

  • Given the high amount of interest charged, credit cards should be repaid as your first priority. Compounding interest can be very positive when it comes to accelerating your earnings on when it comes to your assets and conversely it can result in a terrible outcome on unpaid credit cards, accelerating the interest payable!
  • Call your bank and draw a comparison with other banks and their respective interest rates. This will help you better understand if there are options to reduce your interest rate.
  • Consider increasing your loan repayment frequency. For example, from monthly to fortnightly. This will speed up your repayment and save you interest.
  • Where your budget permits, consider making additional repayments, even if it seems small, it will help you repay your loan quicker and it all adds up!
  • Consider the option of fixed rates and whether it makes sense for you. This will help you manage to your budget and plan ahead.
  • Consolidate your debt. If you have several credit cards, seek to understand if you can combine it all under the one provider. Taking some time to consider whether this strategy might result in a lower interest rate for you.

Å være kontrollfreak kan nå og da være bra! Særlig er det bra når du skal ta kontroll over gjelden din.

Boliglånet er gjerne den største gjeldsposten for de av oss som har dette. Du har kanskje latt kredittkortgjelden hope seg opp over måneder eller år med usunt pengeforbruk? Første steg for å få orden på pengestrømmen er å redusere gjeldspostene og omkostningene som påløper. Det gjør du ved å bruke alt inntektsoverskudd du måtte ha til å nedbetale gjeld. Over tid bidrar dette til at du kan spare mer.

Gjennomgå lånene dine jevnlig. Ta kontakt med banken for å få de beste vilkårene og lavest mulig rente. Bruk nettsteder der du kan sammenligne din rente med andre bankers rente som for eksempel www.finansportalen.no. Da får du bedre oversikt over hvordan du realistisk sett kan senke renteutgiftene dine. Du kan vurdere å gjøre mindre endringer, som f.eks. å betale avdrag oftere, eller betale høyere månedlige avdrag på lån. Disse små stegene kan hjelpe deg til å nedbetale gjelden din på kortere tid og redusere renteutgiftene dine.

Dette er noen nøkkelpunkter å tenke på når du tar kontroll over gjelden din:

  • Betal ned kredittkortgjelden din først fordi slik gjeld vanligvis har høy rente. Rentes rente er gunstig når den angår inntektene eller formuen din. Men rentes rente kan gi fryktelige resultater på ubetalt kredittkortgjeld, og føre til at renteutgiftene dine akselererer.
  • Ta kontakt med banken og sammenlign din rente med andre bankers rente. Da får du bedre oversikt over hvilke muligheter du har for å senke renteutgiftene dine.
  • Vurder å betale låneavdragene oftere. Vurder å betale høyere månedlige avdrag. Da nedbetaler du lånet rasker og sparer renteutgifter.
  • Dersom budsjettet tillater det, kan du vurdere å betale tilbake mer enn de ordinære avdragene. Dette kan virke ubetydelig, men du nedbetaler lånet enda raskere.
  • Vurder om det vil være gunstig for deg å binde renten. Det hjelper deg med å håndtere budsjettet og planlegge framover.
  • Samle gjelden din. Har du flere kredittkort, undersøker du om du kan samle alt under én leverandør. Bruk tid på å tenke gjennom hvilken strategi som kan føre til at du senker renteutgiftene dine.

Il est parfois bon d’être un maniaque du contrôle ! En particulier lorsqu’il s’agit du contrôle de vos dettes.

Pour ceux d’entre nous qui ont souscrit un crédit hypothécaire, ce dernier représente souvent la plus grosse dette. À moins d’avoir accumulé des dettes de carte de crédit au cours de mois et même d’années d’habitudes de dépenses peu réfléchies ? La première étape pour avoir plus de liquidités consiste à réduire vos dettes et les dépenses associées en utilisant tout surplus d’argent que vous pourriez avoir, ou bien créer et le réorienter vers la réduction de vos dettes. À long terme, vous finirez par économiser davantage.

Revoyez régulièrement vos prêts. Appelez votre banque pour négocier de meilleures conditions et taux d’intérêt. Des sites spécialisés permettent de comparer les taux de différentes banques, et peuvent ainsi également vous aider à mieux évaluer les possibilités de réduire votre taux d’intérêt de manière réaliste. Vous pourriez envisager de faire quelques petits changements, comme augmenter la fréquence de vos remboursements (par exemple, passer d’un versement mensuel à bimensuel) ou rembourser un montant supplémentaire chaque mois. Ces petits pas peuvent vous aider à accélérer le rythme de remboursement de votre dette et à réduire vos paiements d’intérêts. Ce qui signifie que vous aurez plus d’argent en poche !

Voici quelques points clés à prendre en compte pour maîtriser vos dettes :

  • Étant donné le montant élevé des intérêts facturés, le remboursement de vos relevés de carte de crédit doit être votre priorité absolue. L’intérêt composé peut être très positif lorsqu’il s’agit d’accélérer vos gains sur vos actifs et, à l’inverse, il peut avoir un résultat terrible sur les dépenses de cartes de crédit impayées, en accélérant l’intérêt payable !
  • Appelez votre banque et comparez les taux d’intérêt offerts par d’autres banques. Vous pourrez ainsi mieux comprendre s’il existe des possibilités de réduire votre taux d’intérêt.
  • Envisagez d’augmenter la fréquence de remboursement de votre prêt. Passez par exemple d’un remboursement mensuel à bimensuel. Cela accélérera votre remboursement et réduira les intérêts dus.
  • Lorsque votre budget le permet, envisagez de faire des remboursements supplémentaires, même si ceux-ci sont peu élevés, cela vous aidera à rembourser votre prêt plus rapidement et tous les effets s’additionnent !
  • Examinez l’option des taux fixes et demandez-vous si elle vous serait profitable. Cela vous permettra de gérer votre budget plus aisément et de planifier.
  • Consolidez votre dette. Si vous avez plusieurs cartes de crédit, essayez de savoir si vous pourriez tout combiner chez un seul prestataire. Prenez le temps d’examiner si cette stratégie pourrait se traduire par un taux d’intérêt plus bas pour vous.

Soms is het goed om een controlefreak te zijn! In het bijzonder wanneer het gaat om het onder controle krijgen van je schulden.

De hypotheek is vaak de grootste schuld voor mensen met een hypotheek. Of misschien heb je creditcardschulden opgebouwd als het gevolg van maanden en zelfs jaren van ongezonde bestedingsgewoonten? De eerste stap om je geldsituatie te verbeteren, is door je schulden en de bijbehorende kosten te verminderen door elk surplus te gebruiken dat je hebt of kunt creëren en dit te besteden aan het verminderen van je schulden. Op de lange termijn zal je uiteindelijk meer besparen.

Bekijk je leningen regelmatig opnieuw. Bel je bank om de beste voorwaarden en rentevoeten te vragen. Er zijn vergelijkingssites beschikbaar. Door een vergelijking te maken met andere banktarieven kan je een beter begrip krijgen of je je rentevoet realistisch kunt verlagen. Je zou enkele kleine veranderingen kunnen doorvoeren, zoals het verhogen van de frequentie van je terugbetalingen (bijvoorbeeld van tweewekelijks naar maandelijks) of het maandelijks terugbetalen van een extra bedrag. Deze kleine stappen kunnen je helpen het aflossingstempo van je schuld te versnellen, je interestbetalingen te verlagen en meer geld op zak te hebben!

Een paar belangrijke punten waar je rekening moet mee houden bij het onder controle krijgen van je schulden:

  • Gezien het hoge interestbedrag dat in rekening wordt gebracht, moeten creditcards als eerste prioriteit worden terugbetaald. Samengestelde interest kan zeer positief zijn als het gaat om het versnellen van je vermogensinkomsten en omgekeerd kan het resulteren in een vreselijk resultaat op onbetaalde creditcards, waardoor de te betalen interest wordt versneld!
  • Bel je bank en maak een vergelijking met andere banken en hun respectievelijke rentevoeten. Zo zal beter begrijpen of er opties zijn om je interestvoet te verlagen.
  • Overweeg om de terugbetalingsfrequentie van je lening te verhogen. Bijvoorbeeld van tweewekelijks naar maandelijks. Dit versnelt je terugbetaling en bespaart je interest.
  • Als je budget het toelaat, overweeg dan om extra terugbetalingen te doen. Ook al lijkt het klein, het zal je helpen je lening sneller terug te betalen en het telt allemaal op!
  • Overweeg de optie van vaste tarieven en of dit voordelig is voor jou. Zo kan je je budget beheren en vooruit plannen.
  • Consolideer je schuld. Als je meerdere creditcards hebt, kijk dan of je ze onder één provider kunt combineren. Neem de tijd om na te denken of deze strategie voor jou tot een lagere rentevoet kan leiden.

Nogle gange er det en god ting at være en kontrolfreak! Især når det kommer til at have kontrol over sin gæld.

For de af os med realkreditlån er dette ofte den største gæld. Eller måske har du ophobet kreditkortgæld over måneder eller endda år med usunde forbrugsvaner? Det første skridt mod at forbedre dit forbrug er at reducere din gæld og dertilhørende udgifter ved at bruge ethvert overskud du har eller kan skabe til dine gældsposter. På længere sigt vil du kunne spare mere.

Gennemse dine lån regelmæssigt. Ring til din bank for at få de bedste vilkår og rentegebyrer. Der findes sammenligningssider, hvor du kan sammenligne andre bankers rentesatser og på den måde få en bedre forståelse for, om du realistisk set kan reducere dine rentegebyrer. Du kan overveje at foretage nogle små ændringer, såsom at øge hyppigheden af dine afdrag (fx fra hver måned til hver fjortende dag) eller ved at afdrage et ekstra beløb hver måned. Disse små skridt kan hjælpe dig med at sætte farten op på din gældsafvikling, reducere dine rentebetalinger og dermed få flere penge lige ned i lommen!

Her er et par vigtige punkter at overveje for at få styr på din gæld:

  • På grund af det høje rentegebyr på kreditkort, bør tilbagebetaling af kreditkortgæld have førsteprioritet. Rentes rente kan være meget positiv, når det drejer sig om at fremskynde din indtjening i forhold til dine aktiver, og omvendt kan det medføre forfærdelige konsekvenser for ubetalte kreditkort, hvilket øger renteudgifterne!
  • Ring til din bank, og lav en sammenligning med andre banker og deres respektive rentesatser. Dette vil give dig en bedre forståelse for de muligheder, du kan have for at reducere din rentesats.
  • Overvej at øge hyppigheden af dit afdrag på lån. For eksempel fra hver måned til hver fjortende dag. Det vil fremskynde dit afdrag og spare dig i renter.
  • Hvis du har tilstrækkeligt med luft i budgettet, kan du overveje at betale flere afdrag – selvom det føles som lidt, kan det være med til at afdrage dit lån hurtigere, og det hele løber op!
  • Overvej muligheden for faste renter og hvorvidt det giver mening for dig. Dette vil hjælpe dig med at styre dit budget og lægge planer for fremtiden.
  • Konsolidér din gæld. Hvis du har flere kreditkort, kan du undersøge, om du kan samle dem alle under samme udbyder. Tag dig tid til at overveje, hvorvidt denne strategi indebærer en lavere rentesats for dig.

Κάποιες φορές, είναι καλό να θέλετε να ελέγχετε τα πάντα! Ειδικά, όταν πρόκειται για τον έλεγχο των χρεών σας.

Για όσους έχουν υποθήκη, αυτό το ποσό αντιπροσωπεύει, συνήθως, το μεγαλύτερο χρέος τους. Ή, μήπως, έχετε συσσωρεύσει χρέη μηνών ακόμα και ετών στην πιστωτική κάρτα σας εξαιτίας των ανθυγιεινών αγοραστικών συνηθειών σας; Το πρώτο βήμα για να βελτιώσετε τη ρευστότητά σας είναι να μειώσετε τα χρέη σας και τις σχετικές δαπάνες, χρησιμοποιώντας οποιοδήποτε πλεόνασμα ενδέχεται να έχετε ή μπορείτε να δημιουργήσετε και να το επαναδιοχετεύσετε στη μείωση των χρεών σας. Μακροπρόθεσμα θα καταφέρετε να εξοικονομήσετε περισσότερα χρήματα.

Να αξιολογείτε τα δάνειά σας σε τακτά χρονικά διαστήματα. Επικοινωνήστε με την τράπεζά σας για να εξασφαλίσετε καλύτερους όρους και επιτόκιο. Υπάρχουν τοποθεσίες σύγκρισης μέσω των οποίων μπορείτε να συγκρίνετε τα επιτόκια των τραπεζών, πράγμα που θα σας βοηθήσει να κατανοήσετε καλύτερα το πώς μπορείτε να μειώσετε πρακτικά το επιτόκιό σας. Θα μπορούσατε να πραγματοποιήσετε μερικές μικρές αλλαγές, όπως η αύξηση της συχνότητας των αποπληρωμών σας (για παράδειγμα από δεκαπενθήμερη σε μηνιαία βάση) ή η αποπληρωμή ενός πρόσθετου ποσού κάθε μήνα. Αυτές οι απλές ενέργειες μπορούν να συμβάλλουν στην επιτάχυνση του ρυθμού αποπληρωμής του χρέους σας, στη μείωση των δόσεων τόκων και, κατά συνέπεια, στην αύξηση των χρημάτων σας!

Παρουσιάζουμε ορισμένα βασικά σημεία που πρέπει να λαμβάνετε υπ’ όψιν κατά την απόκτηση του ελέγχου των χρεών σας:

  • Δεδομένου του υψηλού επιτοκίου που χρεώνεται, η εξόφληση των πιστωτικών καρτών θα πρέπει να αποτελεί πρώτη προτεραιότητά σας. Ο ανατοκισμός μπορεί να έχει πολύ θετικά αποτελέσματα όσον αφορά την επιτάχυνση της αύξησης των κερδών σας όταν σχετίζεται με τα περιουσιακά σας στοιχεία, ενώ, αντίθετα, μπορεί να έχει καταστροφικά αποτελέσματα όταν σχετίζεται με τις ανεξόφλητες πιστωτικές κάρτες, αυξάνοντας τον οφειλόμενο τόκο!
  • Επικοινωνήστε με την τράπεζά σας και συγκρίνετέ την με άλλες τράπεζες και τα αντίστοιχα επιτόκια που προσφέρουν. Με αυτόν τον τρόπο θα κατανοήσετε καλύτερα εάν υπάρχουν επιλογές για τη μείωση του επιτοκίου σας.
  • Εξετάστε το ενδεχόμενο να αυξήσετε τη συχνότητα καταβολής των δόσεων για αποπληρωμή του δανείου σας. Για παράδειγμα από δεκαπενθήμερη σε μηνιαία βάση. Με αυτόν τον τρόπο θα επισπευσθεί η αποπληρωμή και θα καταβάλλετε λιγότερους τόκους.
  • Στις περιπτώσεις κατά τις οποίες το επιτρέπει ο προϋπολογισμός σας, εξετάστε το ενδεχόμενο να καταβάλλετε επιπλέον δόσεις αποπληρωμής, ακόμα και αν φαίνονται μικρές, καθώς αυτό θα συμβάλλει στην ταχύτερη αποπληρωμή του δανείου σας με θετικό αποτέλεσμα για εσάς!
  • Εξετάστε την επιλογή του σταθερού επιτοκίου και εάν έχει νόημα για την περίπτωσή σας. Με αυτόν τον τρόπο θα μπορέσετε να διαχειριστείτε τον προϋπολογισμό σας και να προγραμματίσετε εγκαίρως.
  • Συνενώστε τα χρέη σας. Εάν έχετε πολλές πιστωτικές κάρτες, επιδιώξτε να μάθετε εάν μπορείτε να τις συνδυάσετε όλες ώστε να ελέγχονται από έναν πάροχο πιστωτικής κάρτας. Αφιερώστε λίγο χρόνο για να μελετήσετε εάν αυτή η στρατηγική θα έχει ως αποτέλεσμα το χαμηλότερο επιτόκιο.

En ocasiones, ser un maniático del control puede ser bueno, especialmente cuando ese control se ejerce sobre las deudas.

Para aquellos de nosotros que tenemos una hipoteca, esta suele suponer nuestra mayor deuda. Para otros, el principal problema puede estar en haber acumulado deudas en tarjetas de crédito tras meses o incluso años de hábitos de gasto insostenibles. En ambos casos, el primer paso para mejorar nuestra situación financiera consiste en reducir nuestras deudas y los gastos asociados utilizando cualquier excedente que se tenga o se pueda generar y destinándolo a su amortización. Tenga en cuenta que, a largo plazo, su ahorro será mayor.

Revise sus préstamos periódicamente. Llame a su banco para tratar de obtener los mejores términos y tipos de interés que este puede ofrecerle. También dispone de comparadores online que le permiten comparar su tipo de interés con el de otras entidades para saber si dispone de opciones realistas de reducirlo. Otra posibilidad es plantearse pequeños cambios, como incrementar la frecuencia de sus amortizaciones (haciéndolas quincenales en lugar de mensuales) o aumentando ligeramente el importe que devuelve cada mes. Estas pequeñas medidas pueden ayudarle a agilizar el ritmo de amortización de su deuda y reducir sus pagos de intereses para que ahorrar más.

A continuación, le presentamos una serie de puntos clave que deberá considerar para hacerse con el control de sus deudas:

  • Dados los altos tipos de interés que conlleva, la amortización de la deuda de sus tarjetas de crédito debe ser su principal prioridad. Mientras que capitalización compuesta de intereses resulta muy interesante para acelerar sus ganancias o incrementar su patrimonio, puede por el contrario tener terribles consecuencias sobre las deudas pendientes de tarjetas de crédito, ya que dispara los intereses a pagar.
  • Llame a su banco para informarse y haga una comparación con otras entidades y sus respectivos tipos de interés. Esto le permitirá saber si tiene opciones de reducir el suyo.
  • Considere la posibilidad de aumentar la frecuencia de amortización de sus préstamos, por ejemplo haciéndolas quincenales en lugar de mensuales. De esta forma, acortará el periodo de amortización y se ahorrará intereses.
  • Cuando su presupuesto se lo permita, plantéese la posibilidad de realizar pagos adicionales. Aunque puedan parecerle insignificantes, le ayudarán a devolver su préstamo más rápido. En estos casos, ¡todo suma!
  • Considere la opción de aplicar un tipo de interés fijo estudiando si le conviene en su caso concreto. Esto le ayudará a gestionar su deuda, y también a planificar sus necesidades futuras.
  • Consolide su deuda. Si utiliza varias tarjetas de crédito, trate de unificarlas todas en un único proveedor. Dedicar algo de tiempo a considerar este tipo de estrategias puede permitirle disfrutar de un tipo de interés más bajo.

Néha jó dolog irányításmániásnak lenni. Különösen akkor, ha az adósságaid uralásáról van szó.

Azoknak, akiknek jelzáloghitelük van, számukra gyakran ez jelenti a legnagyobb adósságot. Vagy talán hitelkártya-tartozást halmoztál fel a hónapok, esetleg évek során, amíg helytelen költekezési szokásaid voltak? Az első lépés, hogy javítod a pénzforgalmadat, valamint csökkented az adósságaidat és a kapcsolódó kiadásokat minden többletösszeg segítségével, amid van, vagy amit el tudsz érni, és ezt az adósságaid csökkentésére fordítod. Hosszú távon végül többet fogsz megtakarítani.

Tekintsd át rendszeresen a hiteleidet. Hívd fel a bankod, hogy megszerezd a legjobb feltételeket és kamatlábat. Elérhetőek összehasonlító honlapok, és azáltal, hogy összehasonlítást végzel a többi bank kamatlábával, jobban átláthatod, hogy van-e esélyed a kamatláb csökkentésére. Megvizsgálhatod kis változtatások lehetőségét, mint a visszafizetés gyakoriságának növelése (például havi helyett kétheti legyen), vagy minden hónapban visszafizethetsz egy plusz összeget. Ezek a kis lépések segíthetnek felgyorsítani az adósságod visszafizetésének ütemét, csökkenteni a kamatfizetést, és így több pénz marad a zsebedben!

Íme néhány megfontolandó kulcsgondolat, ha a kezedbe akarod venni az adósságaid:

  • A magas kamatköltségek miatt a hitelkártya-tartozás visszafizetése legyen az elsődleges prioritás. A kamatos kamat nagyon pozitív lehet, amikor a bevételeid növeléséről vagy a vagyonodról van szó, és fordítva szörnyű eredménye lehet kifizetetlen hitelkártya-tartozás esetén, ahol növeli a fizetendő kamatot!
  • Hívd fel a bankod, és hasonlítsd össze más bankokkal és a megfelelő kamatlábakkal. Ez segít jobban átlátni, hogy vannak-e lehetőségek a kamatláb csökkentésére.
  • Fontold meg a hiteled visszafizetési gyakoriságának növelését. Például havi helyett kétheti legyen. Ez felgyorsítja a visszafizetésed, és kamatot tudsz vele spórolni.
  • Ha a költségvetésed lehetővé teszi, fontold meg a további visszafizetéseket. Ha kis lépésnek is tűnik, segít gyorsabban visszafizetni a hiteled, és minden összeadódik!
  • Fontold meg a rögzített hitelkamatláb lehetőségét, és hogy van-e értelme számodra. Ez segít kezelni a költségvetésed, és előre tervezni.
  • Vond össze a tartozásod. Ha több hitelkártyád van, nézz utána, hogy össze tudod-e vonni mindet egy szolgáltatónál. Szánj rá egy kis időt, hogy megfontold, ez a stratégia alacsonyabb kamatlábat eredményezhet-e neked.

Sometimes being a control freak is a good thing! Especially when it comes to being in control of your debts.

For those of us with a mortgage, this often represents your single biggest debt. Or perhaps you have amassed credit card debt through months and even years of unhealthy spending habits? The first step is to improve your cashflow is to reduce your debts and the associated expenses by using any surplus you have or can create and redirect this towards reducing your debts. Over the long term you will ultimately save more.

Review your loans on a regular basis. Call your bank to attract the best terms and interest rate. There are comparator sites available and by drawing a comparison with other bank rates can also help you better understand if you can realistically reduce your interest rate. You could look at making some small changes, like increasing the frequency of your repayments (for example from fortnightly to monthly) or repaying an extra amount every month. These small steps can help you speed up the rate of repayment of your debt, reduce your interest payments and mean more money in your pocket!

A few key points to consider when getting in control of your debts:

  • Given the high amount of interest charged, credit cards should be repaid as your first priority. Compounding interest can be very positive when it comes to accelerating your earnings on when it comes to your assets and conversely it can result in a terrible outcome on unpaid credit cards, accelerating the interest payable!
  • Call your bank and draw a comparison with other banks and their respective interest rates. This will help you better understand if there are options to reduce your interest rate.
  • Consider increasing your loan repayment frequency. For example, from monthly to fortnightly. This will speed up your repayment and save you interest.
  • Where your budget permits, consider making additional repayments, even if it seems small, it will help you repay your loan quicker and it all adds up!
  • Consider the option of fixed rates and whether it makes sense for you. This will help you manage to your budget and plan ahead.
  • Consolidate your debt. If you have several credit cards, seek to understand if you can combine it all under the one provider. Taking some time to consider whether this strategy might result in a lower interest rate for you.

The content of this article does not constitute individual financial advice.

Vouloir absolument tout contrôler est parfois une bonne chose ! Notamment pour ce qui est de vos dettes.

L’emprunt immobilier, pour les personnes qui en ont un, représente souvent la dette la plus importante. Il se peut aussi que vous ayez accumulé des dettes sur votre carte de crédit au fil de mois, voire même d’années d’habitudes de dépenses délétères. La première chose à faire est d’améliorer votre trésorerie afin de réduire vos dettes et les dépenses associées en utilisant tout excédent que vous possédez ou pouvez générer. Cela vous permettra d’économiser davantage à long terme.

Nous vous conseillons de passer régulièrement vos prêts en revue. Contactez votre banque pour obtenir les meilleurs conditions et taux d’intérêts. Il existe des sites de comparaison pour vous aider à mieux comprendre si vous pouvez réduire votre taux d’intérêt de manière réaliste en changeant de banque. Vous pourriez aussi envisager de petits changements, comme augmenter la fréquence de vos remboursements (de mensuels à bimensuels) ou rembourser un peu plus chaque mois. Ces mesures simples peuvent vous aider à rembourser plus rapidement votre dette, à réduire le versement des intérêts et donc à avoir plus d’argent dans votre poche !

Quelques points à prendre en considération lorsque vous reprenez le contrôle de vos dettes :

  • Au vu de leur fort taux d’intérêt, rembourser les cartes de crédit est une priorité. Les intérêts composés peuvent être très positifs pour accélérer vos revenus ou pour ce qui est de vos actifs, mais, inversement, ils peuvent avoir de terribles conséquences pour les soldes de cartes de crédit impayés en accélérant les intérêts à payer !
  • Contactez votre banque et comparez les taux d’intérêts de différentes banques. Vous aurez ainsi une meilleure idée des options à votre disposition pour réduire vos taux d’intérêts.
  • Envisagez d’augmenter la fréquence de remboursement de votre prêt. Passez, par exemple, de remboursements mensuels à bimensuels. Vous rembourserez ainsi plus vite votre prêt et économiserez sur les intérêts.
  • Lorsque votre budget le permet, envisagez des remboursements supplémentaires, même s’ils semblent insignifiants, pour vous aider à rembourser le prêt plus rapidement. Chaque centime compte !
  • Envisagez le recours à des taux fixes et demandez-vous si cette option serait judicieuse pour vous. Cela vous aidera à gérer votre budget et à planifier pour l’avenir.
  • Consolidez vos dettes. Si vous avez plusieurs cartes de crédit, essayez de savoir si vous pouvez toutes les combiner auprès d’un seul prestataire. Prenez le temps de réfléchir à cette stratégie afin de déterminer si elle pourrait vous permettre d’obtenir un taux d’intérêt plus avantageux.

Manchmal ist es gut, kontrollsüchtig zu sein! Besonders im Hinblick auf Ihre Schulden.

Wenn Sie eine Hypothek zu bedienen haben, bedeutet dies oft die größte Einzelbelastung. Oder vielleicht haben sich Ihre Kreditkartenforderungen durch schlechte Angewohnheiten beim Geldausgeben über Monate oder sogar Jahre hinweg angehäuft? Der erste Schritt zur Verbesserung Ihres Cashflows ist der Abbau Ihrer Schulden und der damit verbundenen Kosten, indem Sie etwaige Überschüsse, über die Sie verfügen oder die Sie generieren können, zur Reduzierung Ihrer Schulden einsetzen. Langfristig sparen Sie dadurch mehr Geld ein.

Überprüfen Sie regelmäßig Ihre Kredite. Sprechen Sie mit Ihrer Bank, um die bestmöglichen Konditionen und Zinssätze herauszuholen. Hierfür gibt es Vergleichsportale, und der Vergleich mit den Zinsen anderer Banken hilft Ihnen bei der Einschätzung, ob eine Reduzierung Ihres Zinssatzes realistisch ist. Überlegen Sie, ob kleine Änderungen sinnvoll sind. Sie könnten etwa den Tilgungsrhythmus steigern (z. B. von monatlich auf 14-tägig) oder jeden Monat einen zusätzlichen Betrag als Sondertilgung zurückzahlen. Diese kleinen Maßnahmen können dazu beitragen, die Rückzahlungsrate Ihrer Schulden zu steigern, Ihre Zinszahlungen zu senken und Ihnen somit mehr verfügbares Geld zu bescheren!

Bei der Bewältigung Ihrer Schulden gilt es, ein paar Dinge zu beachten:

  • In Anbetracht der hohen Zinssätze bei Kreditkarten sollten Sie Kreditkartenforderungen vorrangig zurückzahlen. Der Zinseszinseffekt mag eine sehr erfreuliche Sache sein, wenn es um die Vermehrung Ihres Einkommens geht oder Ihre Vermögenswerte betrifft. Bei nicht beglichenen Kreditkartenforderungen hingegen ist die Auswirkung fatal, denn die fälligen Zinszahlungen steigen rapide!
  • Setzen Sie sich mit Ihrer Bank in Verbindung und vergleichen Sie deren Zinssatz mit den Zinssätzen anderer Banken. So können Sie besser einschätzen, ob es Möglichkeiten zur Senkung Ihres Zinssatzes gibt.
  • Überlegen Sie, ob Sie die Häufigkeit Ihrer Kreditrückzahlungen steigern können, zum Beispiel von monatlich auf 14-tägig. Dadurch beschleunigen Sie die Rückzahlung und sparen Zinsen.
  • Wenn Ihr Budget es zulässt, könnten Sie zusätzliche Rückzahlungen leisten. Selbst kleine Beträge summieren sich und tragen zu einer schnelleren Rückzahlung Ihres Kredits bei!
  • Überlegen Sie, ob feste Zinssätze in Ihrer Situation eine sinnvolle Option wären. Mit einem festen Zinssatz können Sie Ihr Budget leichter verwalten und besser planen.

Konsolidieren Sie Ihre Schulden. Falls Sie mehrere Kreditkarten besitzen, versuchen Sie herauszufinden, ob Sie alle Forderungen unter einem Anbieter zusammenziehen können. Nehmen Sie sich Zeit für die Überlegung, ob diese Strategie zu einem niedrigeren Zinssatz führen könnte.

A volte essere maniaci del controllo è positivo! Soprattutto se si tratta di tenere sotto controllo i debiti.

Per chi di noi ha un mutuo, spesso questo rappresenta un unico, enorme debito. Oppure, forse hai accumulato un debito da carta di credito nel corso di mesi o addirittura anni di abitudini di acquisto poco sane. La prima cosa da fare è migliorare la tua liquidità e ridurre i debiti e le relative spese sfruttando eventuali ulteriori guadagni che puoi già avere o che puoi creare. A lungo termine, in definitiva risparmierai di più.

Riesamina periodicamente i tuoi prestiti. Chiama la banca per ottenere le migliori condizioni e tassi d’interesse. Esistono siti specializzati nella comparazione, e confrontare i tassi di altre banche può aiutarti a capire meglio se sia realisticamente possibile abbassare il tuo tasso d’interesse. Potresti considerare di fare alcuni piccoli cambiamenti, come aumentare la frequenza dei pagamenti (per esempio da quindicinale a mensile) oppure restituire un importo maggiore ogni mese. Queste piccole astuzie possono contribuire ad accelerare la restituzione del debito e a ridurre il pagamento degli interessi, facendoti ritrovare con più soldi in tasca!

Alcuni punti salienti da considerare quando prendi il controllo dei tuoi debiti sono:

  • Visto l’elevato importo degli interessi addebitati, le spese effettuate con le carte di credito dovrebbero essere restituite in via prioritaria. L’interesse composto può essere molto positivo quando si tratta del tuo patrimonio o di accelerare i guadagni, ma al contrario può generare pessime conseguenze in caso di mancato pagamento del debito delle carte di credito, aumentando gli interessi passivi!
  • Chiama la tua banca e fai un confronto con altre banche e i loro rispettivi tassi d’interesse. In questo modo potrai capire meglio se ci sono alternative per abbassare il tuo tasso d’interesse.
  • Prendi in considerazione la possibilità di aumentare la frequenza del pagamento del tuo prestito, per esempio, ogni due settimane invece che ogni mese, così da accelerare la restituzione e risparmiare sugli interessi.
  • Ove il tuo budget lo consenta, prendi in considerazione la possibilità di fare rimborsi aggiuntivi, anche se ti sembrano di poco conto, perché ti aiuterà a ripagare più velocemente il debito. Tutto contribuisce!
  • Considera l’alternativa dei tassi fissi e se nel tuo caso avrebbe senso. Ti aiuterà a gestire il bilancio e a pianificare in anticipo.
  • Consolida il debito. Se hai più carte di credito, cerca di capire se le puoi abbinare tutte ad un unico fornitore. Prenditi il tempo necessario a considerare se con questa strategia potresti usufruire di un tasso più basso.

Vouloir absolument tout contrôler est parfois une bonne chose ! Notamment pour ce qui est de vos dettes.

L’emprunt immobilier, pour les personnes qui en ont un, représente souvent la dette la plus importante. Il se peut aussi que vous ayez accumulé des dettes sur votre carte de crédit au fil de mois, voire même d’années d’habitudes de dépenses délétères. La première chose à faire est d’améliorer votre trésorerie afin de réduire vos dettes et les dépenses associées en utilisant tout excédent que vous possédez ou pouvez générer. Cela vous permettra d’économiser davantage à long terme.

Nous vous conseillons de passer régulièrement vos prêts en revue. Contactez votre banque pour obtenir les meilleurs conditions et taux d’intérêts. Il existe des sites de comparaison pour vous aider à mieux comprendre si vous pouvez réduire votre taux d’intérêt de manière réaliste en changeant de banque. Vous pourriez aussi envisager de petits changements, comme augmenter la fréquence de vos remboursements (de mensuels à bimensuels) ou rembourser un peu plus chaque mois. Ces mesures simples peuvent vous aider à rembourser plus rapidement votre dette, à réduire le versement des intérêts et donc à avoir plus d’argent dans votre poche !

Quelques points à prendre en considération lorsque vous reprenez le contrôle de vos dettes :

  • Au vu de leur fort taux d’intérêt, rembourser les cartes de crédit est une priorité. Les intérêts composés peuvent être très positifs pour accélérer vos revenus ou pour ce qui est de vos actifs, mais, inversement, ils peuvent avoir de terribles conséquences pour les soldes de cartes de crédit impayés en accélérant les intérêts à payer !
  • Contactez votre banque et comparez les taux d’intérêts de différentes banques. Vous aurez ainsi une meilleure idée des options à votre disposition pour réduire vos taux d’intérêts.
  • Envisagez d’augmenter la fréquence de remboursement de votre prêt. Passez, par exemple, de remboursements mensuels à bimensuels. Vous rembourserez ainsi plus vite votre prêt et économiserez sur les intérêts.
  • Lorsque votre budget le permet, envisagez des remboursements supplémentaires, même s’ils semblent insignifiants, pour vous aider à rembourser le prêt plus rapidement. Chaque centime compte !
  • Consolidez vos dettes. Si vous avez plusieurs cartes de crédit, essayez de savoir si vous pouvez toutes les combiner auprès d’un seul prestataire. Prenez le temps de réfléchir à cette stratégie afin de déterminer si elle pourrait vous permettre d’obtenir un taux d’intérêt plus avantageux.

A volte essere maniaci del controllo è positivo! Soprattutto se si tratta di tenere sotto controllo i debiti.

Per chi di noi ha un mutuo, spesso questo rappresenta un unico, enorme debito. Oppure, forse hai accumulato un debito da carta di credito nel corso di mesi o addirittura anni di abitudini di acquisto poco sane. La prima cosa da fare è migliorare la tua liquidità e ridurre i debiti e le relative spese sfruttando eventuali ulteriori guadagni che puoi già avere o che puoi creare. A lungo termine, in definitiva risparmierai di più.

Riesamina periodicamente i tuoi prestiti. Chiama la banca per ottenere le migliori condizioni e tassi d’interesse. Esistono siti specializzati nella comparazione, e confrontare i tassi di altre banche può aiutarti a capire meglio se sia realisticamente possibile abbassare il tuo tasso d’interesse. Potresti considerare di fare alcuni piccoli cambiamenti, come aumentare la frequenza dei pagamenti (per esempio da quindicinale a mensile) oppure restituire un importo maggiore ogni mese. Queste piccole astuzie possono contribuire ad accelerare la restituzione del debito e a ridurre il pagamento degli interessi, facendoti ritrovare con più soldi in tasca!

Alcuni punti salienti da considerare quando prendi il controllo dei tuoi debiti sono:

  • Visto l’elevato importo degli interessi addebitati, le spese effettuate con le carte di credito dovrebbero essere restituite in via prioritaria. L’interesse composto può essere molto positivo quando si tratta del tuo patrimonio o di accelerare i guadagni, ma al contrario può generare pessime conseguenze in caso di mancato pagamento del debito delle carte di credito, aumentando gli interessi passivi!
  • Chiama la tua banca e fai un confronto con altre banche e i loro rispettivi tassi d’interesse. In questo modo potrai capire meglio se ci sono alternative per abbassare il tuo tasso d’interesse.
  • Prendi in considerazione la possibilità di aumentare la frequenza del pagamento del tuo prestito, per esempio, ogni due settimane invece che ogni mese, così da accelerare la restituzione e risparmiare sugli interessi.
  • Ove il tuo budget lo consenta, prendi in considerazione la possibilità di fare rimborsi aggiuntivi, anche se ti sembrano di poco conto, perché ti aiuterà a ripagare più velocemente il debito. Tutto contribuisce!
  • Considera l’alternativa dei tassi fissi e se nel tuo caso avrebbe senso. Ti aiuterà a gestire il bilancio e a pianificare in anticipo.
  • Consolida il debito. Se hai più carte di credito, cerca di capire se le puoi abbinare tutte ad un unico fornitore. Prenditi il tempo necessario a considerare se con questa strategia potresti usufruire di un tasso più basso.

Manchmal ist es gut, kontrollsüchtig zu sein! Besonders im Hinblick auf Ihre Schulden.

Wenn Sie eine Hypothek zu bedienen haben, bedeutet dies oft die größte Einzelbelastung. Oder vielleicht haben sich Ihre Kreditkartenforderungen durch schlechte Angewohnheiten beim Geldausgeben über Monate oder sogar Jahre hinweg angehäuft? Der erste Schritt zur Verbesserung Ihres Cashflows ist der Abbau Ihrer Schulden und der damit verbundenen Kosten, indem Sie etwaige Überschüsse, über die Sie verfügen oder die Sie generieren können, zur Reduzierung Ihrer Schulden einsetzen. Langfristig sparen Sie dadurch mehr Geld ein.

Überprüfen Sie regelmäßig Ihre Kredite. Sprechen Sie mit Ihrer Bank, um die bestmöglichen Konditionen und Zinssätze herauszuholen. Hierfür gibt es Vergleichsportale, und der Vergleich mit den Zinsen anderer Banken hilft Ihnen bei der Einschätzung, ob eine Reduzierung Ihres Zinssatzes realistisch ist. Überlegen Sie, ob kleine Änderungen sinnvoll sind. Sie könnten etwa den Tilgungsrhythmus steigern (z. B. von monatlich auf 14-tägig) oder jeden Monat einen zusätzlichen Betrag als Sondertilgung zurückzahlen. Diese kleinen Maßnahmen können dazu beitragen, die Rückzahlungsrate Ihrer Schulden zu steigern, Ihre Zinszahlungen zu senken und Ihnen somit mehr verfügbares Geld zu bescheren!

Bei der Bewältigung Ihrer Schulden gilt es, ein paar Dinge zu beachten:

  • In Anbetracht der hohen Zinssätze sollten Sie Dispokredite vorrangig zurückzahlen. Der Zinseszinseffekt mag eine sehr erfreuliche Sache sein, wenn es um die Vermehrung Ihres Einkommens geht oder Ihre Vermögenswerte betrifft. Bei nicht beglichenen Kreditkartenforderungen hingegen ist die Auswirkung fatal, denn die fälligen Zinszahlungen steigen rapide!
  • Setzen Sie sich mit Ihrer Bank in Verbindung und vergleichen Sie deren Zinssatz mit den Zinssätzen anderer Banken. So können Sie besser einschätzen, ob es Möglichkeiten zur Senkung Ihres Zinssatzes gibt.
  • Wenn Ihr Budget es zulässt, könnten Sie zusätzliche Rückzahlungen leisten. Selbst kleine Beträge summieren sich und tragen zu einer schnelleren Rückzahlung Ihres Kredits bei!
  • Überlegen Sie, ob feste Zinssätze in Ihrer Situation eine sinnvolle Option wären. Mit einem festen Zinssatz können Sie Ihr Budget leichter verwalten und besser planen.
  • Konsolidieren Sie Ihre Schulden. Falls Sie mehrere Kredite oder Dispokredite haben, versuchen Sie herauszufinden, ob Sie alle Forderungen unter einem Anbieter zusammenziehen können. Nehmen Sie sich Zeit für die Überlegung, ob diese Strategie für Sie zu einem niedrigeren Zinssatz führen könnte.

Bazen kontrol delisi olmak iyi bir şeydir. Özellikle söz konusu borçların kontrolü ise.

Ev kredisi olanlar için bu en büyük borcu temsil eder. Veya aylarca, hatta yıllarca sağlıksız harcama alışkanlığınız nedeni ile kredi kartı borcunuzu mu birikti? İlk iş nakit akışınızı iyileştirmek, buradan elde edeceğiniz kaynaklarla borçlarınızı azaltmak, borçlardan kaynaklanan ek ödemeleri önlemek ve uzun vadede tüm borçlarınızdan kurtulmaktır. Bu alışkanlıkları edindiğinizde uzun vadede daha fazla tasarruf edeceksiniz.

Kredilerinizi düzenli olarak gözden geçirin. En iyi şartları ve faiz oranlarını almak için bankanızı arayın. Diğer web sayfalarını control ederek faiz oranları hakkında gerçekçi bilgileri elde edebilirsiniz. Ödemelerinizin sıklığını arttırmak veya her ay fazladan ödeme yapmak gibi küçük değişiklikler yapabilirsiniz. Bu Küçük adımlar, borcunuzun geri ödeme oranını hızlandırmanıza, faiz ödemelerinizi azaltmanıza ve dolayısıyla cebinizde daha çok para kalmasını sağlamanıza yardımcı olacaktır.Borçlarınızı kontrol altına alırken dikkat etmeniz gereken birkaç önemli nokta:

  • Talep edilen yüksek faiz oranları dikkate alındığında, kredi kartı borcunun ödenmesi ilk önceliğiniz olmalıdır. Kazancınız göz önüne alındığında bileşik faiz olumlu bir kavram iken, borçlarınız, özellikle kredi kartı borçlarınız söz konusu olduğunda bileşik faiz ödeyeceğiniz faiz miktarını hızla arttırabilir.
  • Bankanızı arayın ve diğer bankalarla ve faiz oranlarıyla bir karşılaştırma yapın. Bu, faiz oranınızı düşürmek için seçenekler olup olmadığını daha iyi anlamanıza yardımcı olacaktır. Kredi geri ödeme sıklığınızı artırmayı düşünün. Örneğin, aylıktan iki haftaya kadar. Bu geri ödemenizi hızlandıracak ve faiz oranınızı düşürecektir. Bütçenizin izin verdiği sürece, küçük görünse bile ek geri ödemeler yapmaya çalışın, bu şekilde kredinizi daha hızlı geri ödersiniz ve faiz ödemeniz azalır.
  • Sabit ödeme seçeneğini ve sizin için anlamlı olup olmadığını düşünün. Bu, bütçenizi yönetmenize ve önceden planlama yapmanıza yardımcı olacaktır.

Borcunuzu birleştirin. Birden fazla kredi kartınız varsa, hepsini tek bir banka altında birleştirip birleştiremeyeceğinizi anlamaya çalışın. Bu stratejinin sizin için daha düşük faiz oranına yol açıp açmayacağını kontrol edin.

有時成為控制狂是一件好事,特別是在控制您的債務方面。

對於有房屋貸款的人來說,這通常是最大的一筆債務,或許您因為數月甚至數年的不健康消費習慣累積了信用卡債務。改善您現金流量的第一步是藉由您有的/可以用的盈餘來做為減少債務支出的使用。長遠來看,您最終可以省下更多。

請定期檢查您的貸款,詢問您合作的銀行以獲取最佳條件和利率。網路上有許多比較各家銀行貸款與利率的網站,可以幫助您更加了解是否有可以降低利率的空間。您可以考慮其他的小改變,例如:增加還款頻率(如:雙週繳)或每月多還一個月的貸款。這些小步驟可以幫助您加快還款速度,減少利息支出並增加口袋裡的錢!

想要控制好債務,下列有幾項要點可作為參考:

  • 考慮到高額循環利率,應優先償還信用卡。在資產收益面,複利的效果是非常可觀的;相反地,在負債面(如:信用卡循環利率),若有呆帳持續沒付完的話,會加速您的應付利息,最後結果將不堪設想!
  • 聯絡您合作的銀行並與其他銀行的利率比較,這將幫助您了解是否有降低利率的選項。
  • 考慮增加您的貸款還款頻率。例如,從月繳到雙週繳。這將加快您的還款速度並節省利息。
  • 在您預算許可的情況下(即使可能金額很小),您也可以考慮額外還款,積少成多。這將幫助您更快地還清貸款!
  • 當您考慮選擇固定利率,請思考它對您的意義。這將幫助您管理預算並與事前計劃。
  • 整合您的債務,如果您有多張不同的信用卡,請考慮是否可以簡化成一張/或同家銀行下。請花時間思考這樣的策略是否可以減輕/降低您的信用卡循環利率。

Sometimes being a control freak is a good thing! Especially when it comes to being in control of your debts.

For those of us with a mortgage, this often represents your single biggest debt. Or perhaps you have amassed credit card debt through months and even years of unhealthy spending habits? The first step is to improve your cashflow is to reduce your debts and the associated expenses by using any surplus you have or can create and redirect this towards reducing your debts. Over the long term you will ultimately save more.

Review your loans on a regular basis. Call your bank to attract the best terms and interest rate. There are comparator sites available and by drawing a comparison with other bank rates can also help you better understand if you can realistically reduce your interest rate. You could look at making some small changes, like increasing the frequency of your repayments (for example from fortnightly to monthly) or repaying an extra amount every month. These small steps can help you speed up the rate of repayment of your debt, reduce your interest payments and mean more money in your pocket!

A few key points to consider when getting in control of your debts:

  • Given the high amount of interest charged, credit cards should be repaid as your first priority. Compounding interest can be very positive when it comes to accelerating your earnings on your assets and conversely it can result in a terrible outcome on unpaid credit cards, accelerating the interest payable!
  • Call your bank and draw a comparison with other banks and their respective interest rates. This will help you better understand if there are options to reduce your interest rate.
  • Consider increasing your loan repayment frequency. For example, from monthly to fortnightly. This will speed up your repayment and save you interest.
  • Where your budget permits, consider making additional repayments, even if it seems small, it will help you repay your loan quicker and it all adds up!
  • Consider the option of fixed rates and whether it makes sense for you. This will help you manage to your budget and plan ahead.
  • Consolidate your debt. If you have several credit cards, seek to understand if you can combine it all under the one provider. Taking some time to consider whether this strategy might result in a lower interest rate for you.
  • Go to https://sorted.org.nz/ for help and support and wide range of helpful articles and tools

The content of this article does not constitute individual financial advice. Aon can’t provide personalised investment advice or make personalised recommendations – we therefore suggest that you speak to an authorised financial adviser if you want to understand any of these concepts in the context of your personal situation.

Sometimes being a control freak is a good thing! Especially when it comes to being in control of your debts.

For those of us with a mortgage, this often represents your single biggest debt. Or perhaps you have amassed credit card debt through months and even years of unhealthy spending habits? The first step is to improve your cashflow is to reduce your debts and the associated expenses by using any surplus you have or can create and redirect this towards reducing your debts. Over the long term you will ultimately save more.

Review your loans on a regular basis. Call your bank to attract the best terms and interest rate. There are comparator sites available and by drawing a comparison with other bank rates can also help you better understand if you can realistically reduce your interest rate. You could look at making some small changes, like increasing the frequency of your repayments (for example from fortnightly to monthly) or repaying an extra amount every month. These small steps can help you speed up the rate of repayment of your debt, reduce your interest payments and mean more money in your pocket!

A few key points to consider when getting in control of your debts:

  • Given the high amount of interest charged, credit cards should be repaid as your first priority. Compounding interest can be very positive when it comes to accelerating your earnings on when it comes to your assets and conversely it can result in a terrible outcome on unpaid credit cards, accelerating the interest payable!
  • Call your bank and draw a comparison with other banks and their respective interest rates. This will help you better understand if there are options to reduce your interest rate.
  • Consider increasing your loan repayment frequency. For example, from monthly to fortnightly. This will speed up your repayment and save you interest.
  • Where your budget permits, consider making additional repayments, even if it seems small, it will help you repay your loan quicker and it all adds up!
  • Consider the option of fixed rates and whether it makes sense for you. This will help you manage to your budget and plan ahead.
  • Consolidate your debt. If you have several credit cards, seek to understand if you can combine it all under the one provider. Taking some time to consider whether this strategy might result in a lower interest rate for you.
  • Disclaimer: The information is brought to you by Aon Vietnam Limited with its Establishment and Operation License No. 26/GP-KDBH . Aon Vietnam Limited is a licensed insurance broker regulated by the Ministry of Finance in Vietnam. The information does not take into account the specific investment objectives, financial situation or particular needs of any particular person who may be in receipt of the materials. Accordingly, it should not be relied on or treated as a substitute for specific advice concerning individual situations. Please seek advice from a financial adviser regarding the suitability of any investment product taking into account your specific investment objectives, financial situation or particular needs before you make a commitment to purchase an investment product. You are also recommended to obtain such other professional advice where appropriate. The information is provided in good faith and believed to be accurate as of the time of compilation. We do not undertake an obligation to update the materials or to correct any inaccuracy that may become apparent at a later time. You should always consult primary or more accurate or more up-to-date sources of information

Không có gì tệ hơn là cố gắng vượt qua cả ngày hoặc cố gắng ngủ và cảm thấy căng thẳng về vấn đề tiền bạc. Đáng ngạc nhiên nếu điều này nghe có vẻ quen thuộc bạn không cô đơn. Nhiều người dành phần lớn thời gian trong ngày để suy nghĩ về các vấn đề tài chính, trong thực tế các nghiên cứu cho thấy chúng ta dành 3-4 giờ trong tuần làm việc để nghĩ về tiền.

Khi vấn đề tiền bạc bắt đầu ảnh hưởng đến sức khỏe tinh thần của bạn, lựa chọn dễ dàng là cố gắng phớt lờ nó hoặc giả vờ rằng nó không xảy ra. Để thư của bạn chưa mở hoặc tiếp tục chi tiêu và / hoặc vay vốn sẽ giải quyết mọi thứ. Chúng chỉ làm cho mọi thứ tồi tệ hơn. Nếu tiền mặt là một mối quan tâm và làm cho một ngày của bạn trở nên khó khăn, tác động đến các mối quan hệ của bạn đối mặt với thực tế có thể giúp giảm gánh nặng.

Dưới đây là bốn cách có thể giải quyết nỗi lo tiền bạc của bạn:

  • Nói chuyện với ai đó

Đau khổ một mình làm tăng thêm áp lực. Chia sẻ tình hình với bạn bè hoặc gia đình nếu bạn có thể. Nếu bạn cảm thấy vấn đề tiền bạc của mình quá riêng tư để chia sẻ với những người bạn biết, tại nơi bạn làm việc, bạn có thể có quyền truy cập Chương trình Hỗ trợ Nhân viên (EAP). EAP sẽ có một đường dây tư vấn tài chính nơi bạn có thể nói chuyện với một cố vấn ẩn danh. Chỉ cần nói chuyện với ai đó, họ có thể giúp bạn nhìn nhận vấn đề với sự tập trung rõ ràng hơn. Hãy thử và tìm lời khuyên miễn phí và vô tư gần bạn.

  • Có một cái nhìn rõ ràng về tình hình của bạn
    • Nếu bạn đã hoàn toàn mất dấu vết chi tiêu của mình và bạn cảm thấy lạc lối, bạn càng khó tìm ra lối thoát. Mặc dù thật đáng sợ khi thấy mức độ thực sự của các vấn đề của bạn, một ngân sách đơn giản sẽ cho bạn thấy rõ số tiền bạn chi tiêu và ở đâu. Có thể có một số cách đơn giản, nhanh chóng; các khoản bạn có thể ngay lập tức xác định để dành hoặc cắt giảm. Một cách nhìn đúng đắn về tình huống có thể khiến bạn nghĩ rằng tình huống không tệ như bạn nghĩ.
  • Thực hiện từng bước một
    • Nếu có quá nhiều hóa đơn chưa thanh toán và bạn cảm thấy choáng ngợp trước những việc cần làm tiếp theo, hãy hít thở sâu và dừng lại. Giải quyết một điều tại một thời điểm, chia vấn đề tiền bạc của bạn thành những vấn đề nhỏ. Bạn có thể giải quyết một hóa đơn tại một thời điểm, sau đó chuyển sang kế tiếp, và cứ thế cho đến khi bạn cảm thấy có thể nhìn vào bức tranh lớn hơn. Tập trung đầu tiên vào các chi phí ưu tiên như tiền thuê nhà, thực phẩm và tiện ích.
  • Thực hiện một số thay đổi đơn giản
  • Mặc dù một số lo lắng về tiền bạc của bạn có thể lớn, bạn có thể giảm bớt áp lực bằng một số thay đổi nhỏ và đơn giản. Bạn có thể đổi công ty điện thoại hoặc đổi sang siêu thị giảm giá hoặc mua sắm trực tuyến và hạn chế mua những thứ cần thiết. Bạn có thể có thể kiếm thêm tiền bằng cách bán hàng trực tuyến hoặc bán ở các hội chợ giảm giá.

Hầu hết chúng ta đều lo lắng về tiền bạc, một số người bị nhiều hơn. Điều quan trọng là phải thừa nhận bạn có những lo lắng này và bắt đầu thực hiện những bước nhỏ, tích cực để xoay chuyển tình hình của bạn.

Tuyên bố miễn trừ trách nhiệm: Thông tin này được cung cấp bởi Công ty TNHH Aon Việt Nam với Giấy phép Thành lập và Hoạt động số 26/ GP-KDBH. Công ty TNHH Aon Việt Nam là công ty môi giới bảo hiểm được cấp giấy phép dưới sự quản lý của Bộ Tài chính tại Việt Nam. Các thông tin này không tính đến các mục tiêu đầu tư cụ thể, tình hình tài chính hoặc nhu cầu riêng biệt của bất kỳ đối tượng cụ thể nào nhận được tài liệu này. Theo đó, bạn không nên dựa vào hoặc coi tài liệu này như một phương thức thay thế cho sự tư vấn riêng biệt liên quan đến các tình huống cụ thể. Vui lòng tìm kiếm sự tư vấn từ chuyên gia cố vấn tài chính về sự phù hợp của bất kỳ sản phẩm đầu tư nào có tính đến các mục tiêu đầu tư cụ thể, tình hình tài chính hoặc nhu cầu riêng biệt của bạn trước khi bạn cam kết mua sản phẩm đầu tư. Bạn cũng nên có được sự tư vấn chuyên biệt khác khi cần thiết. Thông tin này được cung cấp dựa trên sự trung thực và được cho là chính xác vào thời điểm biên soạn. Chúng tôi không có nghĩa vụ phải cập nhật các tài liệu hoặc sửa chữa bất kỳ thông tin không chính xác nào là những thông tin được làm rõ sau này. Bạn luôn cần phải tham khảo các nguồn thông tin chính hoặc các thông tin chính xác hơn hoặc cập nhật hơn.

บางครั้งการเป็นคนคลั่งไคล้การควบคุมก็เป็นสิ่งที่ดี! โดยเฉพาะอย่างยิ่งเรื่องการควบคุมหนี้ของคุณ

สำหรับพวกเราที่มีการจำนอง นี่มักจะเป็นหนี้ก้อนใหญ่ที่สุดของคุณ หรือบางทีคุณอาจสะสมหนี้บัตรเครดิตไว้ด้วยพฤติกรรมการใช้จ่ายที่ไม่เหมาะสมตลอดหลายเดือนหรือเป็นปี ขั้นตอนแรกในการปรับปรุงกระแสเงินสดของคุณคือการลดหนี้และค่าใช้จ่ายที่เกี่ยวข้อง โดยใช้เงินส่วนที่เหลือที่คุณมีหรือที่หาได้เพิ่มเติม แล้วนำมาใช้เพื่อลดหนี้ของคุณ ในระยะยาวคุณจะเก็บออมได้มากขึ้นในที่สุด

ตรวจสอบสินเชื่อของคุณเป็นประจำ ติดต่อธนาคารของคุณเพื่อขอเงื่อนไขและอัตราดอกเบี้ยที่ดีที่สุด มีเว็บไซต์เปรียบเทียบให้เลือก และการเปรียบเทียบกับอัตราดอกเบี้ยของธนาคารอื่นๆ ยังสามารถช่วยให้คุณเข้าใจได้ดีขึ้นด้วยว่าคุณสามารถลดอัตราดอกเบี้ยของคุณได้จริงหรือไม่ คุณสามารถพิจารณาการเปลี่ยนแปลงเล็กๆ น้อยๆ เช่น การเพิ่มความถี่ในการชำระคืนของคุณ (ตัวอย่างเช่น จากรายเดือนเป็นรายสองสัปดาห์) หรือการชำระเกินจำนวนทุกเดือน ขั้นตอนเล็กๆ เหล่านี้สามารถช่วยคุณเร่งความเร็วในการชำระหนี้ ลดการชำระดอกเบี้ย และจะหมายถึงการเพิ่มเงินในกระเป๋าของคุณด้วย!

ประเด็นสำคัญบางอย่างที่ควรพิจารณาในการควบคุมหนี้สินของคุณ ได้แก่

  • ด้วยอัตราดอกเบี้ยที่สูง คุณควรให้ความสำคัญกับการชำระคืนบัตรเครดิตเป็นอันดับแรก เมื่อพูดถึงสินทรัพย์ของคุณ ดอกเบี้ยทบต้นมีข้อดีอย่างมากในการเร่งให้รายได้ของคุณเพิ่มขึ้นอย่างรวดเร็ว และในทางกลับกันมันอาจส่งผลลัพธ์ที่น่ากลัวจากการค้างชำระบัตรเครดิต นั่นคือดอกเบี้ยค้างจ่ายที่เพิ่มขึ้นอย่างรวดเร็ว!
  • ติดต่อธนาคารของคุณและเปรียบเทียบอัตราดอกเบี้ยกับธนาคารอื่นๆ นี่จะช่วยให้คุณเข้าใจมากขึ้นหากมีตัวเลือกในการลดอัตราดอกเบี้ยของคุณ
  • พิจารณาการเพิ่มความถี่ในการชำระคืนเงินกู้ของคุณ ตัวอย่างเช่น จากรายเดือนเป็นรายสองสัปดาห์ ซึ่งจะช่วยเร่งการชำระหนี้ของคุณและลดดอกเบี้ยลง
  • ในกรณีที่คุณมีงบประมาณเพียงพอ ให้พิจารณาการชำระคืนเพิ่มเติม แม้จะเป็นจำนวนน้อยแต่ก็จะมีค่าเมื่อมารวมกันและจะช่วยให้คุณชำระคืนเงินกู้ได้เร็วขึ้น!
  • พิจารณาตัวเลือกอัตราดอกเบี้ยคงที่และดูว่าเหมาะสมกับคุณหรือไม่ นี่จะช่วยคุณจัดการงบประมาณและวางแผนล่วงหน้าได้
  • รวบรวมหนี้สินของคุณ หากคุณมีบัตรเครดิตหลายใบ ควรหาข้อมูลเพิ่มเติมว่าคุณสามารถรวมทั้งหมดเข้าด้วยกันภายใต้ผู้ให้บริการรายเดียวได้หรือไม่ สละเวลาสักครู่เพื่อพิจารณาว่าวิธีนี้อาจส่งผลให้อัตราดอกเบี้ยลดลงหรือไม่

Ibland är det bra att vara ett kontrollfreak! Särskilt när det gäller att ha kontroll över skulder.

För oss som har ett bolån utgör lånet ofta den största enskilda skulden. Eller kanske har du samlat på dig kreditkortsskulder under flera månader och till och med år av ohälsosamma utgiftsvanor? Det första steget mot att förbättra ditt kassaflöde är att minska skulder och tillhörande utgifter genom att använda allt överskott du har eller kan skapa och använda det för att minska dina skulder. På lång sikt kommer du att spara mer i slutändan.

Se över räntesatserna regelbundet. Ring din bank för att försöka få bästa möjliga villkor och räntesats. Det finns jämförelsewebbplatser tillgängliga, och genom att göra en jämförelse med andra bankers räntesatser kan du bättre förstå om du har en realistisk chans att sänka din räntesats. Du kan titta på möjligheten att göra små förändringar, som att öka frekvensen av avbetalningar (till exempel från månadsvis till var fjortonde dag) eller betala av ett extrabelopp varje månad. Dessa små steg kan hjälpa dig att öka avbetalningstakten för din skuld och minska räntebetalningarna, vilket betyder mer pengar på fickan.

Några viktiga punkter att tänka på för att få kontroll över skulderna:

  • Med tanke på de höga räntorna bör kreditkortsfakturor återbetalas som första prioritet. Ränta på ränta kan vara mycket positivt när det gäller att öka avkastningen på tillgångarna, och omvänt kan det ge ett mycket dåligt resultat för obetalda kreditkort och öka räntebeloppet som ska betalas!
  • Ring din bank och gör en jämförelse med andra banker och deras respektive räntesatser. Detta hjälper dig att få en förståelse för om det finns möjligheter att sänka räntan.
  • Överväg att öka avbetalningsfrekvensen, till exempel från månadsvis till var fjortonde dag. Detta förkortar avbetalningstiden och sparar ränta.
  • Överväg att göra ytterligare avbetalningar om budgeten tillåter. Även om de är små hjälper det dig att återbetala lånet snabbare så att det går ihop.
  • Överväg möjligheten till bunden ränta och om det kan vara bra för dig. Detta hjälper dig att hantera din budget och planera framåt.
  • Konsolidera din skuld. Om du har flera kreditkort kan du kontrollera om du kan kombinera dem hos en leverantör. Ta dig tid att fundera på om den här strategin kan innebära lägre räntesatser för dig.

Terkadang menjadi orang yang suka mengontrol adalah hal yang baik! Terutama ketika harus mengendalikan utang Anda.

Bagi kita yang memiliki hipotek atau Kredit Pemilikan Rumah (KPR), ini sering mewakili utang terbesar Anda. Atau mungkin Anda telah menumpuk utang kartu kredit selama berbulan-bulan dan bahkan bertahun-tahun dari kebiasaan pengeluaran yang tidak sehat? Langkah pertama untuk memperbaiki arus kas Anda adalah dengan mengurangi utang Anda dan pengeluaran terkait dengan penggunaan surplus yang Anda miliki atau Anda dapat membuat dan mengarahkan ini ke arah pengurangan utang Anda. Dalam jangka panjang Anda pada akhirnya akan menghemat lebih banyak.

Tinjau pinjaman Anda secara teratur. Hubungi bank Anda untuk menarik syarat dan suku bunga terbaik. Ada situs pembanding yang dapat memberikan perbandingan dengan suku bunga bank lain juga dapat membantu Anda lebih memahami apakah Anda dapat secara realistis mengurangi suku bunga Anda. Anda bisa mempertimbangkan untuk membuat beberapa perubahan kecil, seperti membayar jumlah tambahan setiap bulan. Langkah-langkah kecil ini dapat membantu Anda mempercepat tingkat pelunasan utang, mengurangi pembayaran bunga dan artinya lebih banyak uang di saku Anda!

Beberapa poin penting untuk dipertimbangkan ketika mengendalikan utang Anda:

  • Mengingat tingginya jumlah bunga yang dibebankan, kartu kredit harus dilunasi sebagai prioritas pertama Anda. Bunga majemuk dapat menjadi sangat positif dalam hal mempercepat pendapatan Anda saat diterapkan ke aset Anda dan sebaliknya itu dapat menimbulkan hal yang mengerikan pada kartu kredit yang belum dibayar, mempercepat kenaikan bunga yang harus dibayarkan!
  • Hubungi bank Anda dan buat perbandingan dengan bank lain dan tingkat bunga masing-masing. Ini akan membantu Anda lebih memahami apakah ada opsi untuk mengurangi suku bunga Anda.
  • Jika anggaran Anda memungkinkan, pertimbangkan untuk melakukan pembayaran tambahan, meskipun nampak kecil, itu akan membantu Anda membayar kembali pinjaman Anda lebih cepat dan semuanya akan bertambah!
  • Pertimbangkan opsi bunga tetap dan apakah itu masuk akal untuk Anda. Ini akan membantu Anda mengatur anggaran dan merencanakan ke depan.
  • Konsolidasikan utang Anda. Jika Anda memiliki beberapa kartu kredit, cari tahu apakah Anda dapat menggabungkan semuanya di bawah satu penyedia. Luangkan waktu untuk mempertimbangkan apakah strategi ini dapat menghasilkan tingkat bunga yang lebih rendah untuk Anda.

Penulis bukan konsultan keuangan, konsultan pajak, atau konsultan hukum. Artikel dan isinya hanya untuk tujuan informasi, pembaca tidak disarankan untuk menafsirkan informasi atau material lain apa pun sebagai saran hukum, perpajakan, investasi, finansial, atau saran lain. Semua informasi, data, strategi, laporan, artikel, dan semua fitur lain dari artikel ini disediakan untuk tujuan informasi dan edukasi semata dan tidak seharusnya dianggap atau ditafsirkan sebagai saran investasi personal untuk pembaca. Mungkin ada kesalahan pada artikel ini, dan pembaca sebaiknya tidak mengambil keputusan finansial atau investasi berdasarkan apa yang mereka baca dalam artikel dan tulisan ini saja. Merupakan tanggung jawab pembaca untuk melakukan uji tuntas mandiri dan pembaca harus mengambil keputusan sendiri. Pahamilah dan berhati-hatilah karena keputusan keuangan dan investasi mengandung risiko. Penulis tidak bertanggung jawab atas kerugian langsung maupun yang timbul akibat penggunaan tulisan, produk, layanan, situs, atau konten lain yang ditulis oleh penulis, termasuk konten artikel ini. Pembaca bertanggung jawab atas penelitian dan keputusan investasinya sendiri. Pembaca sebaiknya meminta saran penasihat keuangan yang berkualifikasi dan sepenuhnya memahami semua risiko sebelum berinvestasi atau mengambil keputusan finansial apa pun. Penulis tidak menjamin bahwa pembaca akan atau memperoleh hasil sebagaimana yang dikutip dalam artikel ini. Semua hasil rekomendasi penulis tidak didasarkan pada investasi aktual yang dilakukan sendiri oleh penulis dan didasarkan pada hipotesis, statistik, serta survei yang ada, yang memiliki batasan dan tidak mencerminkan semua komponen investasi sesungguhnya. Hasil nyata yang diterima pembaca mungkin berbeda-beda disebabkan berbagai faktor. Semua konten dan referensi sumber pihak ketiga disediakan semata-mata untuk kemudahan. Informasi ini mungkin tidak akurat, gunakan dengan penuh tanggung jawab. Dengan membaca artikel ini atau isinya, Anda setuju bahwa baik penulis maupun karyawannya, pemegang saham, direktur, kontraktor, afiliasi, agen, penyedia konten pihak ketiga, atau pemberi lisensi tidak akan bertanggung jawab atas segala bentuk klaim, tanggung jawab, biaya, kerusakan, atau kerugian, langsung, tidak langsung, maupun insidental akibat penggunaan bagian konten ini oleh pembaca. Termasuk, namun tidak terbatas pada, kerugian atau cedera yang semuanya atau sebagian disebabkan oleh kemungkinan di luar kendali kami.