ZAP // FROM-2
Be realistic, establish priorities, avoid impulse credit. Everything to have a financially conscious Christmas.
It doesn’t happen in every home, but for millions of Portuguese people the Natal is synonymous with spend money. In gifts, especially.
In this context, and to have a financially conscious Christmas, in a statement sent to ZAP, Twinkloo shares 5 consumption and credit tips for a festive season without financial surprises, with responsible decisions. 5 tips to save moneyin summary.
The credit intermediary and promoter of financial literacy begins by advising a realistic budget. Between gifts, decorations and meals, it’s good not to be under illusions. “If you earn 50, don’t spend 100”, the ancients said. Set a limit for each purchase – and prioritize. Avoid unnecessary expenses and excessive debt.
Speaking of debt, the second piece of advice is avoid impulse creditopting for suitable plans. The illusion of having more purchasing power thanks to credit may be a solution that is not suitable for your profile and needs. Do not resort to credit on impulse; Analyze the rates and conditions, adjust them to your budget and the time needed to complete the payment.
Third suggestion: compare offers and look for promotions. Analyze websites, brochures; identify the best offers for what you want to buy – and often the best opportunities arise long before Christmas.
Offer creative and homemade gifts. Because not all gifts need to come from stores. Often, a personalized gift, made at home and designed especially for someone, has even more value for the recipient. Need more time? Yes. And will you spend less money? Also.
Finally, a repeated “message”: protect yourself when shopping online. The internet market is increasingly sought after, purchases are increasing – and so are scams. Choose trustworthy online stores and avoid shopping on unknown websites or those that offer extraordinarily low prices.
