2023-09-25 07:50:45
The arrival of the end of the month combined with inflation causes some difficulties for most of us. To avoid worries and give you some recommendations, we interviewed Ines Lima, financial management manager.
For many years, Ines worked in companies in financial difficulty. As head of the administrative part, she was responsible for finding solutions with creditors in order to avoid prosecution. Thanks to her good sense of communication, her perseverance and her resistance to stress, she was able to find suitable arrangements for both parties.
Here are the 10 tips she gave us:
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Eliminate or reduce unnecessary expenses: For example, Netflix, Canal+… Prioritize reading, which contributes to intellectual development.- Ask creditors for installment payment: Whether it is a dentist or ophthalmologist bill, if you cannot afford to pay it, it is advisable to contact the creditor to find a payment arrangement. It is always very important to favor dialogue.
- Postponing travel plans: In times of inflation, it is more prudent not to make this type of expense. You can have a good vacation without going far, take time with family, go hiking, camping…
- Avoid making investments: It is not recommended to embark on a commercial project that would require applying for a bank loan. Interest rates rise when inflation rises.
- Use the car less: Choose public transport or cycling. This represents significant savings and is more environmentally friendly.
- Make bulk purchases: Buying canned or frozen foods in bulk allows you to make significant savings. Eating less meat and favoring fruits and vegetables is good for the wallet and the environment.
- Place your second pillar : Instead of losing money in retirement funds, invest your second pillar in a banking institution in order to make it profitable.
- Reduce your energy costs: Turn off warning lights and lights that are not in use, do your laundry at times when power is cheaper, dry clothes in the sun (and not in the dryer), insulate your windows. Measures that reduce energy costs also have a positive ecological impact.
- Take advantage of public infrastructure : Instead of buying books or toys, borrow books from the library or toys from the toy library. There is also a library in Geneva, The crankwhich allows you to borrow all kinds of objects.
- Buy second-hand items: This measure is also ecological. Instead of buying new clothes, you can find elegant and good quality second-hand clothes at very affordable prices. This measure is also positive for the environment.
Eliminate or reduce unnecessary expenses: For example, Netflix, Canal+… Prioritize reading, which contributes to intellectual development.- Bonus tip: There are certain tasks that we tend to delegate that we could do ourselves, for example doing the manicure, dyeing or cutting our hair, repairing our bike, etc.
We can adapt to inflation by saving money and at the same time contribute to the preservation of the planet. We can live well despite inflation. You just need to change your habits.
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Photo credit : sdecoret via depositphotos.com
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