Money Saving Talk

Aktualnie nie na 40 lat, ale na najwyżej 25 lat tylko będzie można zaciągnąć kredyt mieszkaniowy.
Efekt jest taki, iż zdolność płatnicza zwykłej rodziny obniży się o 7 %.

Takie rozwiązanie zaboli wielu zainteresowanych pożyczkami lokalowymi. Jak wynika z danych Związku Banków Polskich, na zobowiązania trwające dłużej aniżeli dwadzieścia pięć lat decydowało 69 procent rodzin.

Na pewno nie wszyscy konsumenci zaciągające kredyt na ponad dwadzieścia pięć lat czynią to z powodu, że nie wystarcza im zdolności finansowej przy niższych okresach spłacania.

Powoduje to wszystko, że petentom na pograniczu zdolności finansowej teraz coraz trudniej będzie przekraść się przez łańcuch wymagań. I w wielu przypadkach wymogiem pozyskania pożyczki będzie spadek sumy kredyt lub odroczenie planów na później.

Nowe zmiany wprowadzają także obowiązek badania zdolności finansowej i historii konsumenta w BIK. Jedyną korzyścią z tych zapisów jest obowiązek ukazywania przez instytucje bankowe całkowitych kosztów zobowiązania.

Everyone is talking about solar panels and their benefits. Of course, most consumers want to know how much they can actually save on utility bills. It’s not cheap to have solar panels installed on your roof. It could run anywhere from $10K to $20K. So it’s a big investment. How long will it take you to recoup the cost of installing. Well, it’ll probably take you a decade. So here comes the problem, if you sell the house before then, you don’t recoup the cost. But of course it’ll add value to your house and equity.

However, if the housing market keeps stagnant, you might have a hard time getting the money back. That’s the financial part. Environmentally, it’ll help greatly if many household make the investment.

The gas price is still going up. It looks like we’re not going to get $2 per gallon gas any time soon. Maybe never again. So should we all rush to get electric cars. probably not, giving the cost of purchasing them. For most of us, we just have to make the best of of what we got. To save on gas. Many experts will teach you tips on how to save a little here and a little there. One that I heard recently is to fill the car up every time you get gas. The reason for that is so you don’t have to drive to the gas stations all the time thus saving gas on that.

Well, that may be true. Some say that you should combine all errands together and take good care of your car. The problem is that what do you do if you have to commute to work for 45 minutes one way and let the car idle for a whole 10 minutes sitting in the traffic? So I’ve figured out that little here and there do help. But the most important thing to do is to drive less. Carpool or take public transportation.

We all tend to buy enough meat that lasts for the weekly grocery list. Recently I did some experiment with buying meat in bulk and found that it saves more doing so. There are two reasons. First, bulk items including buying meat in large packages usually have lower per unit price. Large pack of chicken breasts are usually cheaper than smaller packages.

Also when you buy large packs, you freeze them and have a better plan how to prepare the family dinner menu. It’s a lot easier to plan meals when you have meat in the freezer instead of taking a quick trip to the grocery store to pick up a pack of meat. It’s always a good idea to keep extra meat in the freezer before your next grocery shopping so your fridge never goes empty. You will also save on gas if you always have extra food left in the fridge before the next shopping.

This is a much debated topic. Is it more economical using the air conditioning or letting the window down? It all depends. If you are driving in local traffic or get stuck in a traffic, it is definitely cheaper to open the windows. But if you are on a high way and going at over 65, it is better on gas to close the window and run the air conditioning. Because doing so decreases air resistance.

But the problem is, if you got stuck in traffic and the temperature is 95, will you still leave the air conditioning off? So the best way to save gas is to carpool, and combine errands together so to reduce the chance of getting stuck in a traffic.

Although there’s so much you can do to winterize your apartment to save on utility bills, there are simple energy conservation measures you can use to increase the comfort of your apartment.You can caulk and weatherstrip the window and exterior doors; select and use window treatments.

Since heating and cooling use about 56% of the energy in average American home, saving on heating and cooling will significantly reduce your bills. Although your landlord or management company is ultimately responsible for your building’s energy efficiency, you can use supporting energy source such as space heaters to make your apartment more comfortable.

Source: EERE

Many families start trimming their grocery bill before they think about other ways to save. For example, your electricity bills. The good thing about saving electricity is that you’re saving not only money, but also the environment.

Here are few simple tips that you can start right away:

1. Wash your clothes in cold water. You really don’t need warm or hot water for your clothes. Besides, shirts and under wears last longer if you don’t use hot water to wash them.
2. Turn off the lights whenever you go to bed, go to work, step out, or simply leave the room. You would think it saves very little. But if you have a 4-bedroom house, trust me, it adds up.
3. Change all the bulbs in the house into energy savings bulbs. You don’t have to change all of them today since it also adds up the costs. But only buy the energy efficient ones when you shop for light bulbs and switch over gradually.
4. Turn off the computers, TVs, and monitors.
5. Set your refrigerator temperature to medium or high temperature. You don’t really need to be that cold in the freezer.
6. Line try your clothes in sunny hot summer days.

If you think this will only save a little, surprisingly studies show that by making little changes, you can cut your bill by at least 25%. So if you’re paying $100/month now, expect to pay $75. That’s nice if you do that every month.

In many parts of the world, people still shop their groceries in the open market daily. The best part about shopping at open market, you get the in season fruits and vegetables directly from the growers. In-season fruits and vegetables are the most nutritious and probably are cheaper than the ones you get in grocery stores.

There’s one way to buy in bulk and save them for later: canning or drying. People have been doing them for centuries to save their vegetables and fruits. Amish people still do it today. By canning in-season fruits and vegetables, you buy in bulk at a cheaper price. Fruits and vegetables are usually the most expensive in winter months. So preserving them enables your family enjoy the same nutritious meal and pay nothing in winter months.

Some fruits can be dried and most of them can be canned. The same goes with vegetables. Canning takes a bit of work. If you have never done it before, get a good book on canning. Imagine cutting the grocery bills in half during the winter months! It’s well worth the trouble.

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