What exactly it is not worth doing if you have problems with finances

1. take a microloan

Perhaps the idea to take a small loan from a microfinance institution will seem tempting. These companies are able to advertise themselves and actually give money to almost all in a row. And it seems that this is exactly what you need: get a small amount, not confirming its solvency.

Give such a loan you need to quickly and in time. In the first place because of the great interest.

According to the Central Bank, at the end of 2017 the average cost of consumer credit in the amount of 30 thousand rubles was 614.6%Overview of key performance indicators of microfinance institutions for the III quarter 2017 per annum. In this case, since the beginning of October 2016 to early October 2017 outstanding loans "to pay" increased by 36.4%. And it speaks volumes that in dodgers get easy.

In addition, the micro loan - the easiest way to bring your doorstep collectors. Companies willing to sell their debts as soon as the delay exceeds 90 days: on micro-credit does not bring real profit to owners money.

2. Cease to pay for utility services

When there is no money, it is logical to look for, from what regular payments can be waived. Public services are often caught in this list, but to do so not worth it.

If you think that resursosnabzhayuschih organizations have no leverage to influence you, it not this way. For the second month of non-payment you impose a fine. Two months later, you risk being left without hot water, gas, electricity and sewage. Finally, as a last resort, but possible action you can be evicted. So it is better not to consider this a way to "save" seriously.

3. Irrational use credit card

Credit card gives an excellent opportunity to "intercept" a small amount to pay. But this method is only suitable for people with a normal level of regular income. To exit from the financial saving pits such variant will not.

For example, you get 5000 rubles, of which 3000 are spending on food, a thousand - in the communal, thousand - for travel, household chemicals and other urgently needed items. If this month you took a loan from the bank 500 rubles, then the next month you just do not from what will be their return. On the other hand, if you pay by credit card thing for 50 rubles, it will give them is easier.

Use the card as possible, but only after careful counting.

What to do just not worth it, because it is to create a situation in which you do not have time to pay the debt before the grace period expires. Up to this point you will need to restore only what is taken. After the bank will begin to accrue interest, and the financial burden will increase.

4. Take household loans for unnecessary things

It seems that the previous points should have already lead one to believe that the loans for those who have problems with finances, - evil. It should fix this idea in yet another aspect.

Residential loans are presented as an opportunity to buy something that you can not afford. Only trick is that you still can not afford it.

You buy too expensive for you the thing for an even higher price - taking into account the interest.

Of course, this thrifty thing - to decide whether to spend money on is not very useful purchase, removing them from the major items of expenditure. But reasonable that such a strategy is not exactly be called. Hardly worth the wait, with such an approach will improve your financial situation. At best you'll get is not much it worsen.

5. Get involved in dubious financial adventures

When there is no money, many are beginning to look for an easy way of earning and investing just the latest in a lottery, gambling and pyramid.

If you now do not see the letters on the nearby hill Hollywood and you are not shouting director, do not look for sudden wealth. The financial gamble doubtful, the more money it will pull out of you.

6. Stop wage budget

When money is absolutely not enough, it seems that they do not need to be considered. After all, it should be clear how much money is spent where, excess still impossible to buy.

But in this situation, keep track of expenses and forecast spending, Especially large ones, is vital. Yes, the information in your tables or notebooks will not optimistic. But just as well not to know about the real situation does not hurt.