Finance the debts with a debt consolidation loan

Have you made the declaration of the rent and you have to pay? Yes, the answer is yes, keep reading our article.

You will find several possible solutions like best credit card consolidation programs to your solvency problems.

On occasion, we may find that the result of the income statement comes out to pay us. At that moment, the anguish begins and a very uncomfortable moment … until we find a feasible solution that suits our pocket.

For this reason, there are currently several options for making the payment of the income statement.


Payment options for the income statement :


Split payment in 2 installments

One of the “amenities” that Hacienda offers us to make the pending payment of the income statement, is to make such payment in 2 installments.

In this way, you can make a first payment, which suits your needs. And you will make the second payment when you have been able to save the amount for this second term.


Deferral to be paid in 6 months

In this case, the tax agency allows you to postpone the IRPF payment debt for up to 6 months, so it is a good way to save, and when the time comes to make the payment, you can have the requested amount.


Financial solutions for the payment of the income statement:

<strong>Financial solutions for the payment of the income statement:</strong>


 Finance the debt with a rent loan

Currently, it is the most used option, since most Spaniards do not have the amount of money available to be able to make the payment requested.

There is an infinity of entities that offer loans to pay this type of debt, they are small loans of a low amount and that must be returned in 30 days.

A good option to apply for a loan is to request it in ¡QuéBueno! , since it is a very intuitive and simple process in which you receive all the information about amount borrowed, return period and interest before making any decision and take the step to apply for a quick loan.

For example, for a loan of 280 euros for 25 days, the total amount to be returned would be 349.30 euros, which means 69.3 euros in interest and fees. More transparent, impossible.

You enter the amount you need in the simulator and you indicate the duration and complete a short form on the web, without extra paperwork. If you agree with the conditions, you give to request and the procedures are initiated at the moment.

 Another advantage of requesting a quick online loan is that the total amount you must return is not going to be modified, as long as you return it on the date you committed.

That day, it is automatically charged to your debit card, although this type of system also allows you to anticipate payment if you wish, and thus you can save some money.

You can perform this operation as many times as you wish, bearing in mind that, if you are a responsible customer, you will be able to see the limits of the online mini credit extended from the usual 300 euros to 900 euros.

In short, it is all advantages to have a small amount of cash that insurance helps us bear some expenses.



What is an ETF savings plan and how to save with ETFs?

What is an ETF savings plan and how can you save with ETFs?

Image result for etfInvestors are increasingly talking about ETFs. Would you finally like to know what exactly is behind it? ETFs are so-called exchange-traded funds, ie funds that are traded on the stock exchange. An ETF does not invest in stocks of individual companies, but instead replicates a complete index, such as the MSCI World or the DAX. Good to know, but then what is an ETF savings plan and how can you save on ETFs and make profits? We explain it to you!

What is an ETF savings plan?

The principle of fund-saving is actually relatively simple: according to a savings plan you invest regularly in ETFs. Regularly, that means monthly, quarterly or once every six months – just as you like. You also decide on the amount invested. Fund savings is possible from small saving rates, for example 50 euros. For example, invest this amount in stocks or bonds. With corresponding price increases on the stock exchange you will then make profits.

How to save with ETFs?

Now you know what an ETF savings plan is. There remains the question of how such a concrete work.

Open depot
To buy ETFs or invest in a savings plan, you first need a deposit. Your securities are kept here and purchases and sales are processed. In addition, you need a free call money account as clearing account, on which proceeds can be booked. If you want to know more about the topic, check out our blog article “Securing Securities”.

Create savings plan
In a next step, you create your savings plan via the online banking of your bank. The following questions can give you an orientation in order to determine the right investment strategy for you:

  • Do you want to save for your children, a trip around the world or the dream house? Or should reserves for retirement provision be formed?
    → When you know your destination, it’s easier for you to decide what your rates should be and how long you want to save.
  • What sum can you spare for the long term and invest in the fund savings plan?
    → Do not apply the sum too high. Decide rather for smaller installments, which you can accomplish then also in the long term.
  • What is your risk appetite? Like all forms of investment, there are also risks associated with conserving funds. Here you have to decide for yourself if you want to invest more money to have higher odds, or if you prefer a more cautious strategy with potentially lower returns.
  • What do you want to save? Depending on which provider you choose, you can choose between a variety of different savings plans. There are over 460,000 savings plans throughout Germany. Decide for yourself whether you want to invest in stocks, bonds or commodities and which saving intervals you prefer.

Savers can then set up an individual savings plan online. To release it, you will usually receive a TAN from the bank of your choice. This ensures that no unauthorized third party can access your savings plan.

Are there additional costs or fees with the ETF Savings Plan?

Image result for costsWhat is an ETF savings plan and how can you save on ETFs – we would have clarified these questions. Of course, to really plan your finances, you should not only know how to make a profit, but also how much money you save on the fund. These can vary from bank to bank. You may incur the following charges:

  • Fees for managing the depot
  • Transaction costs when you buy or sell index funds (these are a percentage of your savings rate)
  • Stock exchange fees
  • Ongoing administrative costs

Tip: A comparison of different providers can be worthwhile in any case, in order to benefit from the best conditions.

Savings plan as an attractive alternative to the call money account? *

What is the benefit of an ETF savings plan?

Probably the biggest advantage of the ETF austerity plan is that you do not invest in stocks of just one company. On the contrary, your wealth is widely spread in equities of different companies, real estate or precious metals. This results in a lower risk of loss – profits in certain lines of the fund savings plan can offset potential losses in other areas. What makes sense in an ETF savings plan?

  • If you want, you can only deposit small installments. If you do not have large financial resources at your disposal or you do not want to take the risk of major investments, sums of 50 euros per month are enough.
  • You simply manage the fund savings plan via a direct bank. There are no additional costs for a fund manager.

But keep in mind that ETF savings plans always involve a risk, depending on how the prices behave. How the value of fund units develops is never predictable. This depends on the development of the mapped indices. Especially as a newcomer, you should definitely get support from experienced experts.

What is more profitable, booking holidays in advance or doing it at the last minute?

What is more profitable, booking holidays in advance or doing it at the last minute?

What is more profitable, booking holidays in advance or doing it at the last minute?

Holidays are a very desired time for many Spaniards, in which those who can enjoy these days of well-deserved rest, spend more money again. This is shown in the latest data from the National Observatory of Tourism Issuer (Observatur) which estimates that the average expenditure per person this holiday will be 719 euros.

This statistic also reflects relevant information about habits, such as destination. Although tourism is growing, the main one remains national (64% of the cases), and within this the coasts. Thus, 37% will go to the beach, 21% will make a cultural trip and 18% will seek to relax and disconnect.

But within these habits is also the way in which the holidays are planned and closed. When the study was conducted between the beginning of April and the end of May 2018, 73% of the respondents knew what they were going to do on their vacations, but only one in four had made a reservation; that is to say, the anticipated reservation continues without imposing itself and we left it more for the last hour. Is this habit profitable? What is the best option to book a vacation?

Advance booking in front of the last minute. Pros and cons when booking vacations

Advance booking in front of the last minute. Pros and cons when booking vacations

There is no single answer, in fact, it will depend a lot on the nature of the trip and our circumstances, therefore, it is important the pros and cons of each of the alternatives:

Advance booking

The main economic claim for early booking are discounts and prices, a priori, more reduced. If we plan our trip with time, we compare between alternatives we can get a good price for our desired destination. This point is important, for places of high demand, very desirable or that have limitations in flights or accommodation, the advance booking is also necessary.

But on the opposite side are the unfavorable points. In the first place, with an advanced reservation for a long time, the contingencies that can make the trip impossible are greater, from labor changes, to any family or health complication, which makes it fundamental that we can cancel it at the lowest possible economic cost. . Secondly, anticipating the reservation also means, in most cases, advancing payments. Although some convert this disadvantage to the opposite to be able to distribute the expenditure in a longer period.

Last minute

Many times leaving the trip for the last minute allows us to get very good prices on flights and hotels without having to make a previous payment. But also at this point there are certain drawbacks. The first, that many destinations and especially on specific occasions, as is usually the month of August, it is impossible to find these “bargains” or good prices, more at a time like the current one in which the demand is greater.

Therefore, the last hour is recommended especially for those who do not search for a specific destination and on non-peak dates or have flexibility when choosing days.

If we know how to adapt and take advantage of both opportunities, we can achieve the trip of our dreams in the best economic conditions.


billetes 2

The government has developed the Smart Growth Operational Program 2014-2020 (POCInt).

3,941.2 million euros will be allocated co-financed with FEDER funds to improve Spanish competitiveness, through support for research, development and innovation, ICT and SMEs. The program seeks the internationalization of the company and encourage productive investment.

The POCInt has three lines of action:

  • Telematic Objective R & D + i : Achieve an R & D expenditure on GDP of 2% in 2020. Almost 2,805 million euros of ERDF assistance will be allocated for this purpose. In this line we can distinguish between the one executed by the public sector (focused on strengthening the research groups and improving the equipment of these) and the one executed by the agents of the business sector for the incorporation of innovative technologies, thus encouraging the research of the R & D centers are geared towards the needs of the market.
  • ICT telematic objective: That 100% of the Spanish population have a network coverage of at least 30Mbps and that around 50% have speed services higher than 100Mbps. It tries to promote a digital economy, through the implementation of solutions based on the use of ICT. A total of 821.4 million euros will be allocated from the ERDF.
  • SME Telematic Objective : Expand the export capacity of Spanish SMEs, their capacity for innovation and their productive investment, thus improving their competitiveness. This axis focuses on three key aspects; the internationalization of the SME, the promotion of the entrepreneurial spirit and the creation of companies, and finally the access to financing to improve the industrial fabric. A total of 314.8 million euros will be allocated from the ERDF.