Prosečna zaduženost u Srbiji je 749 evra i to je najmanja zaduženost u Evropi. Mada, ako uračunamo i činjenicu da imamo jednu od najnižih prosečnih plata u Evropi, može se reći da idemo u korak sa njima. Postoji i ona zanimljiva priča. Nemac zaradi za mesec dana 3.000 evra, potroši 1.000, ne pitaj ga nikako šta uradi sa preostale 2.000. Srbin za mesec dana zaradi 500 evra, potroši 1500, ne pitaj ga nikako odakle mu dodatnih 1.000.
Neki ljudi po svaku cenu odbijaju da se zadužuju, a neki to prihvataju kao način života i nikad nisu bez dugova. Ipak, nesreće se dešavaju i ljudi su prinuđeni da se suoče sa neočekivanim događajima – iznenadni gubitak posla, neočekivana popravka kuće ili ozbiljna bolest. Sve to može da utiče na finansije nekih ljudi koji jedav da mogu da isplate svoje mesečne rate. I u tim momentima shvatimo koliko su naše finansijske situacije nestabilne.
U drugim situacijama nam se samo ne sviđa da živimo od plate do plate i odlučimo da hoćemo bolji život (Ja hoću život, bolji život,…) i to je takođe ok, i onda rešimo da podignemo kredit.
Sadržaj
Kako se osloboditi dugova brže
Nažalost, razlika između shvatanja da ti je dug van kontrole i zapravo oslobađanje od dugova je mnogo rada i glavobolje. Nema veze o kakvom dugu je reč, otplaćivanje može trajati godinama ili čak decenijama. Ipak, postoje neke strategije koje će ti pomoći da se oslobodiš tog tereta brže.
Plaćaj više nego što je minimalna rata
Bez obzira da li imaš dug na kreditnoj kartici, kredit ili hipoteku, jedan od najboljih načina da ih otplatiš brže jeste da plaćaš više nego što je minimum mesečne rate. Ovo ti neće samo pomoći da uštediš na kamatama, nego će ti i ubrzati ceo proces. Da bi izbegao glavobolje, proveri da tvoj kredit nema neku taksu za prevremenu otplatu.
Isprobaj metod snežne lopte dugova
Ako si raspoložen da plaćaš više nego što su tvoje mesečne rate, razmisli o korišćenju ovog metoda da bi ubrzao proces više.
Kao prvi korak, izlistaj sve svoje dugove od najvećeg ka najvećem. Sav novac koji imaš sa strane, usmeri na plaćanje manjih, ali moraš otplaćivati bar minimum za veće kredite. Jednom kada je manji kredit isplaćen, usmeri dodatni novac na sledeći najmanji dok ga ne otplatiš i tako redom.
Vremenom, mali krediti će nestajati jedan po jedan, oslobađajući više para da ih koristiš za otpatu većih kredita i dugova. Ovaj efekat snežne lopte ti omogućava da platiš manje kredite brže, što će doprineti i pozitivnom psihološkom efektu, a veće kredite ćeš čuvati za kasnije. Na kraju, cilj je prikupljanje svih tvojih para koje ti ostaju da bi ih usmerio ka dugovima dok ih ne otplatiš i konačno ih više nemaš.
Pronađi dodatni posao
Rešavanje dugova prethodnim metodama može ubrzati proces, ali dodatna zarada može to ubaciti u neku sasvim novu brzinu. Skoro svako ima neki talenat ili veštinu koju može da naplati, da li je to čuvanje dece, sređivanje dvorišta, čišćenje kuća ili nešto na Internetu. Na sajtovima kao što je Upwork.com, skoro svako može da pronađe način da zaradi dodatni novac sa strane. Ključno je da novac koji zaradiš sa strane odvajaš za otplatu dugova što je pre moguće.
Pročitaj još i kako da zaradiš više novca.
Napravi štedljivi budžet i drži ga se
Ako ti je stvarno stalo da otplatiš dugove što pre, moraćeš da smanjiš troškove što više možeš. Jedan od načina je da kreiraš što štedljiviji budžet i da ga se držiš. Sa ovom strategijom, tvoji troškovi će biti najniži mogući i živećeš što je jeftinije moguće što duže možeš.
Ovaj budžet će biti različit za svakoga pojedinačno, ali treba izbaciti stvari kao što su obroci u restoranu, kablovska televizija ili neobavezno trošenje. Dok živiš na strogom budžetu, više ćeš moći da usmeriš ka svojim dugovima.
Ipak, ne zaboravi da je ovakav budžet privremeno rešenje. Jednom kad se otarasiš dugova i približiš se svojim ciljevima, možeš da priuštiš neke od stvari kojih si se odrekao.
Prodaj sve što ti ne treba
Ako tražiš način da dođeš do nekog novca brzo, može se isplatiti da se otarasiš nečega što poseduješ, a ne treba ti. Mnogi od nas imaju stvari koje samo stoje okolo i nikad ih ne koristimo i možemo da živimo bez njih, čak nekad i smetaju. Zašto ne prodati takve stvari i iskoristiti novac za otplatu dugova? Danas ima mnogo sajtova koji to omogućavaju, kao što je Limundo.com ili kupujemprodajem.com. Takođe, postoje i mnoge grupe i stranice na Fejsbuku gde možeš prodati svoje polovne stvari.
Nađi sezonski posao
Sa približavanjem leta, približavaju se i poslovi koje možeš obavljati sezonski. Lokalni proizvođači voća često traže pomoć od ljudi voljnih da rade. Ovako možeš doći do dodatnih para za svoje dugove.
Čak i van sezone, ima dosta sličnih poslova koje možeš da radiš. To su poslovi na farmi, u plastenicima, spasioci na bazenu ili pomoćnici na građevini.
Odustani od skupih navika
Ako si u dugovima i svakog meseca ti fali novac, pregled tvojih navika je možda najbolja stvar koju možeš da uradiš. Bez obzira šta je to što radiš, ima smisla da pogledaš male načine na koje trošiš novac na dnevnoj bazi. Tako možeš da proceniš da li je to vredno trošenja i naći ćeš način da minimiziraš to ili se potpuno oslobodiš te navike.
Ako je tvoja skupa navika pušenje ili piće, lako je – ostavi. Alkohol i cigarete ne rade apsolutno ništa za tebe osim da stoje između tebe i tvojih dugoročnih ciljeva. Ako je tvoja navika nešto što nije toliko štetno, kao na primer ručak u restoranu ili dnevna šoljica kafe u restoranu ili brza hrana, najbolji plan je da smanjiš učestalost ili da zameniš tu aktivnost nekom drugom, jeftinijom.
Da rezimiramo
Ako je sve uvek po planu, nije teško živeti sa dugovima stalno. Ipak, nekad se jave neki nepredviđeni troškovi i onda moraš da se oslobodiš nekih dugova. Bez obzira odakle je tvoj dug, da li je na kartici, duguješ zelenašima ili si u kreditima za stan, najbolje je napraviti plan i držati ga se. Neke od strategija koje si video ovde mogu ti pomoći.
Koje strategije ti koristiš da otplatiš dugove brzo? Jesi li probao nešto sa liste?
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Description de PhenQ :
“PhenQ” est un produit qui combine les bienfaits de différents compléments minceurs afin d’obtenir une perte de poids optimale!
Evaluation de PhenQ :
“PhenQ” est un comprimé amincissant qui additionne les effets minceurs positifs de plusieurs compléments alimentaires pour vous offrir un résultat jusqu’ici inégalé
en ce qui concerne la perte de poids!
En effet, ce nouveau complément alimentaire amaigrissant
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Quels sont les propriétés du produit?
PhenQ“PhenQ” est formulé de façon à nous procurer toute une
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Voici donc la liste des effets bénéfiques de cette pilule
minceur :
– Un effet qui stoppe la production de graisses!
– Un effet qui booste le métabolisme pour brûler
les graisses!
– Un effet coupe-faim qui supprime l’appétit!
– Un effet qui donne au corps un surplus d’énergie!
– Un effet qui agit positivement sur l’humeur!
Quels sont les ingrédients contenus dans “PHENQ”?
“Phenq” est un complément alimentaire fabriqué avec des
ingrédients de qualités pharmaceutiques dans des installations qui respectent les normes pharmaceutiques américaines et britanniques strictes, ces installations sont en plus approuvées par la
FDA (Food and Drug Administration)!
Les ingrédients qui entrent dans la composition de ce comprimé minceur sont
:
1. Le Capsimax en poudre composé d’un mélange de capsicum, pipérine, caféine, et niacine.
– Le Capsicum (extrait de piment) va apporter ses effets brûle-graisses.
– La Pipérine (poivre noir) va favoriser la perte de
poids en augmentant la température corporelle.
– La Caféine va apporter ses effets stimulants et diurétiques.
– La Niacine (vitamine B3) va favoriser la production d’énergie.
2. Le Carbonate de Calcium.
– Le Calcium est bon pour les os et est essentiel au bon fonctionnement de vos cellules.
3. Le Picolinate de Chrome.
– Le Picolinate de Chrome favorise la réduction en glucides et aide le corps à contrôler le niveau de sucre dans le sang.
4. La Caféine.
– La Caféine est un stimulant naturel qui réduit la fatigue, augmente les performances physiques et
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– La Caféine augmente aussi le niveau de thermogenèse et favorise donc
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5. a-Lacy Reset®.
– a-Lacy Reset® est un complexe breveté composé d’Acide alpha-lipoïque,
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6. Le Nopal.
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7. L-Carnitine.
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Comment ça fonctionne?
“PhenQ” va avoir une action bénéfique sur l’amaigrissement en agissant sur plusieurs facteurs
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Ce complément alimentaire va booster le métabolisme dans le but d’accélérer la dépense des calories.
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– Les fringales
Cette pilule minceur va également aider au contrôle de l’appétit avec son effet coupe faim.
– La fatigue
Grâce à un effet boosteur d’énergie, cette gélule de perte de
poids va avoir l’avantage de recharger vos batteries tout en luttant contre la dépression et le
stress.
La combinaison de ces effets d’amincissement fait de “PhenQ” un allié minceur de poids capable
de vous aider de façon effective dans votre démarche de perte de poids!
Posologie :
Le “Phen Q” se présente sous forme de comprimés minceurs, il est commercialisé en bouteille de 60
comprimés.
La pilule de “PHEN Q” est facile à avaler et
se prend deux fois par jours, lors du petit déjeuner et
du déjeuner.
Informations Complémentaires :
PhenQLes livraisons sont rapides et sécurisées, elles sont
en plus gratuites à partir de l’achat de deux bouteilles de ce
comprimé minceur.
Le support clientèle est convivial et efficace. Il est
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graisses ainsi que des effets boosteur d’énergie!
Inconvénients de PhenQ :
“PhenQ” ne convient pas aux femmes enceintes ou qui
allaitent, aux personnes de moins de 18 ans, aux personnes souffrant de
dépression, de diabète, de troubles endocriniens, de maladies auto-immunes, d’hypertrophie prostatique,
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du cancer des testicules ou du cancer du sein.
Si vous avez des soucis médicaux ou si vous êtes sous prescription médicale, il est conseillé de consulter un médecin avant
de prendre ce complément de perte de poids.
Il est déconseillé de prendre un comprimé de “phenq” après 15 heures car il pourrait
vous empêcher de trouver le sommeil.
Réputation de PhenQ :
Ce complément minceur jouit d’une assez bonne réputation sur Internet,
et, l’opinion qui se forge en se basant sur les différents avis, témoignages,
critiques et commentaires disponibles sur la toile, est que “PHEN Q” apparait
comme étant une solution minceur qui procure de très bons résultats!
Wolfson Berg Limited a une excellente réputation, son nom est synonyme de confiance dans l’industrie des compléments alimentaires depuis plus
de 10 ans!
Conclusion pour PhenQ :
PhenQ FemmeComme je ne cesse de le répéter, je ne suis
pas friand de ces pilules pour maigrir qui sont pour la plupart des arnaques et
parfois même se révèlent néfastes pour la santé.
Ceci étant dit, je dois avouer que les avis
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me force à approuver et à recommander ce produit.
Mais gardez bien à l’esprit que même si ce produit minceur
est efficace, il ne vous offrira qu’un coup de pouce pour perdre du
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Description de PhenQ :
“PhenQ” est un produit qui combine les bienfaits de différents compléments minceurs afin d’obtenir une perte
de poids optimale!
Evaluation de PhenQ :
“PhenQ” est un comprimé amincissant qui additionne les effets
minceurs positifs de plusieurs compléments alimentaires pour vous offrir un résultat jusqu’ici inégalé
en ce qui concerne la perte de poids!
En effet, ce nouveau complément alimentaire amaigrissant a, de
part sa formule innovante, plusieurs cordes à
son arc!
Quels sont les propriétés du produit?
PhenQ“PhenQ” est formulé de façon à
nous procurer toute une palette d’actions qui devraient favoriser la perte de poids.
Voici donc la liste des effets bénéfiques de cette pilule minceur :
– Un effet qui stoppe la production de graisses!
– Un effet qui booste le métabolisme pour brûler les graisses!
– Un effet coupe-faim qui supprime l’appétit!
– Un effet qui donne au corps un surplus d’énergie!
– Un effet qui agit positivement sur l’humeur!
Quels sont les ingrédients contenus dans “PHENQ”?
“Phenq” est un complément alimentaire fabriqué
avec des ingrédients de qualités pharmaceutiques dans
des installations qui respectent les normes pharmaceutiques américaines et britanniques
strictes, ces installations sont en plus approuvées par la FDA (Food and Drug Administration)!
Les ingrédients qui entrent dans la composition de ce comprimé minceur sont :
1. Le Capsimax en poudre composé d’un mélange de capsicum, pipérine,
caféine, et niacine.
– Le Capsicum (extrait de piment) va apporter ses effets brûle-graisses.
– La Pipérine (poivre noir) va favoriser la perte de poids en augmentant la température corporelle.
– La Caféine va apporter ses effets stimulants et diurétiques.
– La Niacine (vitamine B3) va favoriser la production d’énergie.
2. Le Carbonate de Calcium.
– Le Calcium est bon pour les os et est essentiel au bon fonctionnement de vos cellules.
3. Le Picolinate de Chrome.
– Le Picolinate de Chrome favorise la réduction en glucides et aide le corps à contrôler le niveau de sucre dans le sang.
4. La Caféine.
– La Caféine est un stimulant naturel qui réduit la fatigue,
augmente les performances physiques et la concentration.
– La Caféine augmente aussi le niveau de thermogenèse et favorise donc la perte de poids.
5. a-Lacy Reset®.
– a-Lacy Reset® est un complexe breveté composé d’Acide alpha-lipoïque, de
Cystéine et de magnésium. Cette synergie règle l’équilibre des cellules
en contrôlant et en neutralisant un grand nombre
de radicaux liés aux entraînements intenses, au vieillissement
et aux troubles généraux.
6. Le Nopal.
– Le Nopal, cactus extrêmement riche en acides aminés est une
source élevée en fibres qui aide au contrôle de l’appétit.
– Le Nopal contribue également à réduire la rétention d’eau.
7. L-Carnitine.
– L-Carnitine est un acide aminé naturel qui favorise la transformation des réserves graisseuses en énergie.
Comment ça fonctionne?
“PhenQ” va avoir une action bénéfique sur l’amaigrissement
en agissant sur plusieurs facteurs responsables de la prise
de poids.
– Le métabolisme lent
Ce complément alimentaire va booster le métabolisme dans le but
d’accélérer la dépense des calories.
– Les graisses
Il va diminuer la production de nouvelles graisses et va en plus favoriser la combustion des graisses stockées grâce à un effet
thermogénique puissant.
– Les fringales
Cette pilule minceur va également aider au contrôle de l’appétit avec son effet coupe faim.
– La fatigue
Grâce à un effet boosteur d’énergie, cette gélule de perte de
poids va avoir l’avantage de recharger vos batteries tout en luttant contre la dépression et le stress.
La combinaison de ces effets d’amincissement fait de “PhenQ”
un allié minceur de poids capable de vous aider de façon effective dans votre
démarche de perte de poids!
Posologie :
Le “Phen Q” se présente sous forme de comprimés minceurs, il
est commercialisé en bouteille de 60 comprimés.
La pilule de “PHEN Q” est facile à avaler et se prend deux fois par jours, lors du petit déjeuner et
du déjeuner.
Informations Complémentaires :
PhenQLes livraisons sont rapides et sécurisées,
elles sont en plus gratuites à partir de l’achat de
deux bouteilles de ce comprimé minceur.
Le support clientèle est convivial et efficace. Il est accessible via
un système de chat direct, via un formulaire en ligne, par téléphone et même avec l’application mobile WhatsApp.
Le complément alimentaire “PhenQ” est une réelle évolution dans les suppléments minceurs puisqu’il va vous apporter
des effets brûleur de graisse efficaces, des effets coupe-faim,
des effets pour empêcher la production de nouvelles graisses ainsi que
des effets boosteur d’énergie!
Inconvénients de PhenQ :
“PhenQ” ne convient pas aux femmes enceintes ou qui allaitent,
aux personnes de moins de 18 ans, aux personnes souffrant de
dépression, de diabète, de troubles endocriniens,
de maladies auto-immunes, d’hypertrophie prostatique, de maladie du foie, de maladie du rein, du cancer de la
prostate, du cancer des testicules ou du cancer du sein.
Si vous avez des soucis médicaux ou si vous êtes sous prescription médicale, il est conseillé
de consulter un médecin avant de prendre ce complément de perte de poids.
Il est déconseillé de prendre un comprimé de “phenq” après 15 heures car il pourrait vous empêcher de trouver le sommeil.
Réputation de PhenQ :
Ce complément minceur jouit d’une assez bonne
réputation sur Internet, et, l’opinion qui se forge
en se basant sur les différents avis, témoignages, critiques et commentaires disponibles sur
la toile, est que “PHEN Q” apparait comme étant une solution minceur qui procure de très bons résultats!
Wolfson Berg Limited a une excellente réputation, son nom est synonyme de confiance dans l’industrie des compléments alimentaires depuis plus
de 10 ans!
Conclusion pour PhenQ :
PhenQ FemmeComme je ne cesse de le répéter, je ne suis pas friand de ces pilules
pour maigrir qui sont pour la plupart des arnaques et parfois même se révèlent néfastes
pour la santé.
Ceci étant dit, je dois avouer que les avis à propos du comprimé minceur “PhenQ” sont
assez bons, ce qui me force à approuver et à recommander ce produit.
Mais gardez bien à l’esprit que même si ce produit minceur est efficace,
il ne vous offrira qu’un coup de pouce pour perdre du poids et, un style
de vie sain ainsi qu’une alimentation saine
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