6 tricks to save money in winter

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As we approach the end of the colorful (albeit short) autumn, the temperatures go down, the days get shorter and we see less of the sun. Luckily, we still have some time left before the winter comes fully.

Winter is, of course, that time of the year when gas and electricity bills skyrocket, since we use more artificial light and turn on the heating.

In spite of everything, it is possible to save money in winter. From Ferratum we give you 6 useful tips:


Close hatches!

Jokes, aside, the first thing to do to prepare for winter is to make sure that there is no unwanted current that sneaks into your house. Where to look? As you can imagine, the most common places are usually doors and windows, since they are the ones that look outwards.

Although it seems irrelevant, placing a weatherstrip on the bottom of your door can work miracles: it not only prevents the entry of cold air, but also dirt. The windows can be sealed simply with silicone, which will contribute a lot to the insulation of your house.


Home cooking seasonal products

The next tip is a three in one: save money when buying seasonal products, save money when cooking at home instead of eating out, save money by using the heat from the oven to heat your home.

Buy fruits and seasonal products is a great way to save money: oranges, tangerines, kiwis, escarole, carrots, pumpkin, artichokes … are some of the many options available, with which you can cook soups, stews and stews, perfect for the months cooler

And if you also cook baked dishes, or cakes and sweets, leave the oven open and let the heat flow to the rest of the house.


Wrap up well

Do you remember that, as a child, whenever you wanted to turn up the heat, your parents would say “If you are cold, put on a sweater”? Well, we’re about to tell you the same thing!

If you do not have enough with heating, we recommend that you move as far away from portable radiators as possible. These electric radiators are usually the main reason that electric bills are triggered.

If you are in bed or on the sofa watching TV, cover your feet or shoulders with a blanket. If you go in a shirt, better put on a sweater than raise the heating (we had already warned you that we were going to say it!). That you go barefoot at home? Put on some slippers or fat socks right now. Also, if the feet are hot, the bodies too.


6 tricks to save money in winter


Lower the blinds

Blinds and curtains can play an important role when it comes to saving energy. Play with them and you will see the game that you take them.

In the hours of light, open everything wide and let the longed rays come in and warm your house. When it starts to get dark, do the opposite, lower the blinds and pull the curtains and keep the heat better. If you think about it, they work as an extra layer of insulation.


Heat the room well

If in spite of the layers of clothing you have no choice but to use an electric heater, make sure you do it correctly.

Close doors and windows of the concrete room you want to heat, to prevent heat from going to other rooms. Also, keep in mind that they are much more effective in small than large spaces, so choose your goal well.


Use LED bulbs

In the shortest and sad days of winter it is logical that we spend more electricity. But that expense will not be so high if we use LED bulbs. Yes, it is possible that LED bulbs are more expensive than normal, but not only use 20% of the energy, but also last longer. Remember that, given the freedom to choose, it is a profitable investment in the long term.

Also, if you want to create a cozy and intimate atmosphere, you can use candles. Obviously it does not make sense to use them continuously, apart from that you have to do it with care, but it’s not a bad idea if you want your house to look prettier from time to time.

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Why is it important to know the festivities of the year?

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Did you know that the festivities of the year have other implications beyond the economic? In a society like ours where the family is the most important thing for us, also the celebrations and sharing moments with them is fundamental.

We can not forget that the family is the nucleus of our society. In Mexico and Latin America, the sense of union and family is very important. As the year goes by, we are all doing a recount of the important moments we live and irretrievably remember those we spent in the company of our loved ones.

Believe it or not, these moments are what define our well-being. It is proven that Mexicans need these moments and therefore, sometimes we put our finances at risk in order to go out on a bridge day or take a vacation in one of the destinations in the country.

Always, when we are children, we have the memory of a very special moment and it is logical that when we are adults and we form our own family we also want our children to have a great time that leaves them marked and a great smile when they remember it.

In this way we can observe that the holidays of the year, far from allowing us to rest a day at home or to live a party in the company of loved ones, also turns out to be something necessary for our happiness and for our integral well-being.

But, how can we organize ourselves so that the festivities do not make our pockets suffer? The important thing is always to think about the future but to do it intelligently, that is, without having to live in anxiety for the accounts that you have to pay. The main objective is that you stop being overwhelmed by money.

Remember that part of financial health focuses on the organization and the vision you have, then the only way to achieve it is through objectives. How do you want your next celebration of national holidays to be? Where do you want to go on vacation in December?

We know that although the meetings may not be big or put the house out the window, at the end of the day we always end up spending more or using money that is destined for other expenses. You are still in good time to plan how you want to spend your next holidays so go ahead and create a financial plan.

Next we will talk about the financial reasons why it is important to know the festivities of the year:

You know exactly when you can apply for a financial loan: Do you need to finance your next trip? Do not worry, there will always be a financial institution that can lend you the money you need so that your pockets are not affected. Through your payroll you can request a loan for the health sector . This way, no season of the year will generate financial uncertainty. Remember that the goal of putting your finances in order is so you can make expenses and also invest your money to generate more money in the future. The benefits are not always immediate, however, if you start by taking a good vacation and relaxing, the money will certainly start to arrive after that.

You will know what is the best time to invest in a business: Within my acquaintances I have a couple of friends who invest in business during a specific season of the year. For example, one of them sells toys and stuffed animals prior to Christmas and Three Kings Day. This is a season in which they know that investing will generate an economic benefit with which they can afford some other expenses. In the end, that’s what the investment is about and just like this, there are many other business examples that you do not necessarily need to keep all year long if you do not have time to attend to it. It is better that you know the festivities and invest specifically some days of the year.

You will have enough time to plan and define the importance of each date: Although there are very important dates for Mexicans in general, there are also some others that become more familiar and that have to be celebrated. For example, December 12 is a celebration that for many families requires a large economic investment because they organize parties, Masses and some other types of cacophony. In addition, each family celebrates differently so it is necessary to plan in advance the organization of each event with the aim that after this there are no debts that compromise our finances.

As we can see, this type of festivities have become something more than a simple date and that is why to give them the importance they deserve, it is necessary to contemplate them with the necessary time so that our pockets are not affected. Also, you can think about the best way to invest your money so that from now on you do not have any financial limit.

Through Credifiel and its alliances with government institutions that deal with health, it is how you can obtain loans for government workers. Once you have finished paying your credit you can re-apply for another and pay for the future payments you see in your life, this is how you will realize that credit is an excellent tool to grow your capital.

Dare to grow through loans via nomina imss, which are ideal and designed exclusively for you.

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Take advantage of the last days for tax deduction in the IRPF

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The end of the year, prolegómenos of the Christmas holidays, is synonymous with purchases and expenses, but it can also be savings. Specifically, in the “fiscal invoice” of 2015, the income statement, which we will liquidate in 2016 but close in a few days. But still, we have time and opportunities to increase our relief.

Of course, the higher the income, the more possibilities we have for deduction by amount, but to a lesser or greater extent, all taxpayers have tools to improve their taxation and always with a starting point, knowing the limits of savings, since Hacienda does not deliver money, but returns what has already been paid.

Analyze all the possibilities well

Image result for analyzeThis is the first limit. What you have already disbursed in the fiscal year. If you have not had any income or these have led to a minimum tax payment, the deduction possibilities will be null or very limited. The higher the income and therefore the payments, there are more possibilities of deduction, but as we will see later also have a limit.

To achieve this there are several ways, one of the most direct and appropriate are retirement products such as pension plans or retirement plans, with which we not only pay less taxes, we are fundamentally building a capital or income that improves our welfare when the time comes. longed for work retirement.

Although the annual contribution limit has been reduced from 10,000 to 8,000 euros, as long as 30% of the income from work and economic activities (profits of self-employed workers) is not exceeded, they remain very attractive. The reduction is applied as a reduction of the tax base. In other words, it is subtracted from what has been gained.

Your tax savings will depend on the tax rate of the taxpayer, but for every 100 euros contributed can reach 46-48 euros, depending on the tax rate applied by some autonomies, such as Catalonia. For an income that reaches 27,000 euros and that the limit of 8,000 euros can be applied, it would be around 22 euros for every 100 euros contributed, a great benefit.

The way to apply this deduction is simple. Although we make periodic contributions throughout the year, we may have the possibility of making an extraordinary contribution that improves the deductions of the year. Let us calculate on the one hand the total limit (30% of the income or 8,000 euros maximum if the percentage exceeds this figure), let’s subtract what has already been contributed and let’s see what quantity we can add. With this, we will get a good “pinch” for the next statement.

Also closing the year is a good time to start. If you have not contracted a retirement plan, you can start with an initial contribution for which you will see that you will get back a good part of your income statement a few months later.

Donations and housing, other deduction possibilities

In addition to retirement products there are also two other possibilities: the deduction for home purchase and donations. The first one is currently limited since only those who acquired the habitual residence before 2013 are entitled to amortize more mortgage. In these cases the deduction of 15% is maintained with an investment limit of 9,040 euros, which is up to 1,356 euros per taxpayer.

Finally, donations to foundations, associations declared of public utility, non-governmental organizations, recognized and entitled to deduction, also imply an important fiscal advantage, although limited in the final amounts. The amount of the deduction varies according to the tax regime to which it is subject. Also, you must take into account if the autonomous community in which you reside is subject to a particular leasehold regime or if you have established additional deductions.

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