6 signs that you have problems with finances, even if you do not notice it

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1. You do not have enough money to pay

Let's start with the obvious. Even if you rarely left without a penny for a few days, it is an occasion to think, all you have in order to financial discipline. And certainly need something to change, if it occurs on a regular basis.

Do without the money for a few days, you can, but you are very risk. Suddenly have health problems or other force majeure. Therefore, an urgent need to do something about it.

What to do

Begs the Council "to earn more." Plus it will not be, but the problem is unlikely to solve, because you spend money irrationally and are likely to continue to do that when earnings increase.

For any income, especially at low, you need to plan your waste. Perhaps you do not want to budget up to a penny, but at least it will have roughly calculated. Otherwise one neprekrasny point you can start trouble.

2. You have no savings

Do you have enough for everything, and it seems like nothing to worry about. In fact, there is cause for alarm. Money can provide you security in many areas, for example, if you are sick and will need expensive treatment, or if you have to leave. Savings help to ride out an unfortunate period.

If you are optimistic, think that the lack of savings away your chance. For example, you can not profitable to buy tickets on vacation, because right now you have no money, and to pay still far.

What to do

Set aside money from each paycheck, for example 10%. You must type an amount equal to the income for two months, and ideally - for six months. This will help to deal with force majeure if they occur.

3. You have several loans

Instead, you use the purchased bank money on things now. After all, as you talked, when they took these loans? As a result of the repayment of principal and interest takes an impressive amount that you could, for example, to delay, to buy the same, but without the overpayment.

If it is a vitally important things, of course, credit is justified. But are all purchases for which you took the loan can be attributed to this category? If not, you are not serious attitude to money and too indulge momentary desires, and it may end sad.

What to do

Begin to solve the problem of sequential early repayment of loans. But first analyze your debt burden in order to understand how to put out a loan first.

For example, now you have three credit. And you can allocate 5 thousand a month, in addition to put them to repay the loan with the reduction of its duration.

If during the year to make extra 5000 on the mortgage, then you will save on prepayment of 25.4 thousand and cut her term of 4 months. In a similar scheme, a loan for the phone you apply for 9 months and will save 6.5 thousand on the fridge - 4 months and save 1.1 thousand.

Calculate all the options of early repayment, the best way is not always obvious.

At first glance, more profitable early extinguish the mortgage, as the economy higher. In this case, in a year you will get rid of the loan on the refrigerator and you will only have two loans.

But you can start with the least credit to the refrigerator, and then it turns out that after 4 months you close it and will be able to extinguish the loan ahead of schedule on the phone already amount to 7.16 thousand (dosrochka plus mandatory payment for refrigerator). And this is just enough to pay off the end of the year, and second loan.

As a result, you free up 5.55 thousand rubles (3.39 and 2.16 for the phone for a fridge), you will be able to give a year for the mortgage without the extra work and save much more.

4. More than 50% of your income goes to pay off loans

When you have a salary of 2 million per month, you can live happily ever after, and half of it. But let us turn to a more real cases. At a salary of 30 thousand to give 50% of banks are already critical.

Besides the fact that it's just a heavy burden, could one day be a situation that you urgently need money for something vital and you can not pay on the loan. Fines and penalties will only aggravate the situation, making it virtually hopeless.

What to do

You need to reduce the debt burden, but do it will not turn easily. First of all it is necessary to increase revenue. For example, you can take part-time, which is required for an early deliverance from at least one credit.

Either you will have to save in order to pay off the loan early.

5. Do you have debts on utility bills

Firstly, you can deprived of the resources, Impose a fine and in some cases even to evict. Second, the debt for utility services issue your frivolous attitude to money. Obligatory payments are so named not by accident, they should be transferred in time. The lack of financial discipline and prevent save and save, and earn more.

By the way, for the debts of housing and communal services have a negative impact on the credit history.

What to do

Cultivate a useful habit to comply with the payment schedule. To begin, create reminders on your phone or in Google Calendar.

6. You constantly quarrel with a partner because of finances

You have a problem not with money, but because of money, but it is also considered. The constant conflicts in the family did not make more richer one, healthier and happier.

What to do

Go from mutual reproaches for a constructive discussion. Important for you to listen to each other, to understand whether the real problem, which tells you a partner, and to come to some kind of compromise. If you do not get it, know that you have problems not only with the finances.