A new school year is stress, do not load with red numbers. We give you tips for a happy return to class, without borrowing.
One of the most complicated periods for parents is the new school cycles, I mean the economic part: books, uniforms, material, tuition, are definitely the anguish of many.
There is a chance that not everything is lost
To make matters worse, summer went through, and if you fell into the temptation to think “I already danced it, nobody takes it away from me”, “I deserve it”, “I will see how I pay it”, and now you don’t have to face this expense The reality is that there is a chance that not everything is lost. Before thinking about a personal loan, check out these tips from the National Commission for the Protection and Defense of Financial Service Users (Condusef) that can help you not compromise your income.
It is vital in the handling of our money
- We can never forget this step, it is vital in the handling of our money. You must know what your ability to pay to allocate it for this period, you can not do it if you do not know what your income and what your expenses are.
- Check last year’s supplies; Some products such as pens, pencils, rulers, calculators, scissors, can be reused and by doing so you will be saving a significant amount.
- Buy wholesale. You can meet with other parents to go shopping and in this way doing so you will get savings.
- Get items at low cost. For example, books are items that can be recycled, you can approach parents of more advanced grades and ask if they are interested in selling them.
- Buy only what is necessary. An option that can help you if your financial situation is very tight, is that you only buy what is necessary and some items can be purchased a fortnight or a month after the start of the school year; Ask your child teacher.
- Be a totalero. If you plan to use the card as a way to cover these expenses, try to pay in full on the payment date; If you make your purchases immediately after the cut-off date, you can get up to 50 days of financing without paying interest.
Your option is to apply for a personal loan
If you still do not have to pay with this and your option is to apply for a personal loan, you need to compare all the options of personal loans, payroll, loans between people; Know its conditions, interest rates, Total Annual Cost and consider the one that best suits your budget. Do not rush, you could pay dearly.