Wednesday, January 5, 2011
Monday, January 3, 2011
Bath Bath With No Suction Cup
balance family, economy guide in six small moves
Imagine the accounts of a family as a real budget. If 2010 it was closed at a loss there are some things you can do to face 2011 with some changes to reduce the voice outputs. The insurance liability auto electrical consumption, the choice of using bank accounts online. From renting agreed the effort to plan trips. Here are six tips to save children.
1 Loans and accounts online
Maybe it was not the first thought on the stroke of midnight, but to reschedule the family budget can be a great help to save more in the new year. And the starting point can only be the current account, honest photography of our way of life: analyzing the outputs and identify items that can be reduced, starting from the operating cost. So, if you have multiple accounts, you should unify maybe choosing a composition that has an annual cost already quantified, or you can opt for accounts online or by mail, usually cheaper. Altroconsumo estimated that changing the bank you can get to save up to € 500 per year. Se poi si è sempre in rosso e c'è bisogno di un finanziamento, meglio rivolgersi alle banche online: da una recente indagine dell'Università Bocconi emerge che per un fido fino a 10 mila euro, il tasso passivo medio è del 7,23% sul web, mentre sale al 15,21% allo sportello di un istituto tradizionale.
2 Cento euro in meno
Mantenere l'auto costa, ma se non è possibile eliminarla si possono pur sempre adottare scelte più convenienti. A partire dalle dimensioni e dalla cilindrata, quando si è nella fase d'acquisto. Riconsiderando l'assicurazione, per i veicoli già in nostro possesso. The cover of two car weighs a monthly budget of a family. The most common mistake, warns Paolo Landi di Adiconsum, you automatically renew the insurance without first compared the deals between the different companies: you can save by changing from 50 to 100 €. The other item that weighs on the portfolio is the fuel. One solution may be to fill in vending at the time of closing mode 'Iperself' savings ranging from 6 to 10 cents a liter, which means about 25,000 km in less than € 70-100. If we travel great distances, you should consider converting their car to gas.
3 rental fees less
The rent if a tenant can not cut, but in large urban centers may ask the agreed rent, which is midway between the market price and the tenement. This is a contract between an association of property and tenants, which saves the tenant but also the owner, who gets a tax relief: the taxable income the portion of the fee, that is, that it is declared of 59.5 % rather than 85% of the ordinary.
4 washing machine and boiler at night
Washing machine, dishwasher, iron, water heater and electric oven - to name a few - are among the most energy-consuming appliances. With the passage of 20 million meters (and therefore households) at two-hourly electricity tariff to save should focus at least two thirds of consumption in the evening and night sections of the working days (from 19 to 8), or on Saturdays, Sundays and holidays. Weekdays during daylight hours you will spend 3.7% more.
5 Offers and buying groups
Saving is also synonymous with lifestyle. To contain costs, especially in the food business, you must choose carefully what you put in the basket and especially where you go to buy: at stake is 20-25% of household income. The moves, in this case, but perhaps seem obvious and trivial - esteem of Adiconsum Paolo Landi - can also get to save € 500 a year. First trick is to opt for wide distribution, without snubbing promotions, and then reassess the discount, then buy fruits and vegetables to the market district, even better on Saturday lunchtime when prices are lowered further to get to spend even half that. Then there are the joint buying groups as well as simple forms of "coalition" that link between families eliminating the intermediate steps in the distribution: the result is a better guarantee of quality and the ability to negotiate the price.
6 discounts for booking
also enjoy a price. But planning can save you, for example, travel. Starting from the train: If you buy your ticket up to 15 days before the start of the benefit is about 30%, up to seven days by 15%. Taking an example, so change the price of a second-class ticket Milan-Venice bought today: starting today, the cost is € 30.50, 26 euro starting January 9, starting 18 January 21 euro. There are also promotions for families, with discounts from 20 to 50%. The time factor also applies to flights. Buy a ticket in advance can save hundreds of euro. A one-way EasyJet from Milan to London, starting tomorrow, it costs about 165 €, but if you want to land at Gatwick in March, the rate drops to 20 €. The program also rewards package holidays: tour operators now prefer to run more profitable deals if you book in advance to the last minute.
SOURCE: Francesca Basso (corriere.it)
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