Childbirth and Lending Loan Application
Ready to create a new family member? Read our tips
One of the most exciting and at the same time more challenging experience in life loan application is to raise the child. While most issues arise when a child is already born, actually begins to prepare for the baby’s birth much earlier. Perfect should do it almost immediately at risk of becoming pregnant, because the earlier you start making it, the easier it will be later.
The other may have forgotten the glow financially. 9 months, luckily a good time to save money already, but what to do if costs are still high and may not be as fast to save as much, in fact, as would be needed?
Here are some tips below: How to Prepare for Cash and How to Get the Amount of Money You Want . After all this time, you should enjoy and not have to worry about money, but more importantly – should start preparing early because after birth little time then no longer walk properly in the grocery stores.
Borrowing – one of the ways to grab
Before mentioning it immediately, the financial support should not be the first idea, and this decision should be treated with great caution. The loan commitment, however, has been chained for quite some time, and when the tiny birth is born and you are on maternity leave, it is obvious that loan payments are just one of the priorities. It is also understandable!
If it happens that your financial situation unfortunately does not allow the child to save money, you can come to the rescue loans – you can not really be without a bed or stroller and other necessary.
Such costs usually tend to go beyond a few hundred euros, so it would be appropriate to consider consumer credit, not for a moment’s loans with a high interest rate, and for smaller amounts of period card.
Ready, but not in a hurry
As noted, but which should start preparing early, but that does not mean that there is a lot of things to buy or a hefty loan to buy a jug.
In fact, things are much simpler. What should not be postponed, the money saved – if you set aside every month or $ 20, then the time of the birth of the child is already 180 euros, which is really only reaches many more important things to acquire.
Another good helper for a variety of children’s programs, which also contributes to simplifying different costs. So there’s not so much money to worry about, even if there is no significant amount of money left before.
Provides Children in 2017:
- childbirth – 320 euros (public support). In addition, it is possible to apply for government support for loan companies – these amounts are different in each municipality.
- Child allowance – 50 euros for first and second child, third child 100 euros.
- parent – 430 euros.
- Support for Multi-Family Families – Applies to 2017/07/01 If there are three or more children, € 300 will be paid if seven or more children are paid € 400.
A baby born at this time would need to buy?
Yes, we are talking about the need to prepare, but you have absolutely no reason to buy? To a great extent, personal preferences and your life depend. Here are some suggestions on how to best prepare.
- Think about your needs – As mentioned, above all, think about how you are going to provide a baby. If you do not wash in the baby’s corner, it would be wise to think of a baby bath. If you plan to spend a lot of time outdoors, you need to invest in an event, including a trolley according to your preference, road and weather conditions.
- Buy at the beginning, but essential – waiting for the first child is hard to see what may be needed. Every mother is different and so is not like other mothers suggestions on products. Therefore, the general only need to initially handle it. Titaga After spending a few weeks, you will already be clear that everything would still get.
- Recycle – If you want to save money, there is really no need to buy things times, but you can also look into girlfriends and the internet when someone has something to give away. Inevitably, baby products stand up in time, and then back to that opportunity! The same goes for clothes that can often be found in second hand clothing stores – sometimes only once applied to two!
Speaking of special equipment, it is advisable to get on time baby cot and related things, of course, some clothes, diapers, stroller and shoe, baby changing (but it may not be necessary at all), toilet, dishes, couple toys. That’s why this story isn’t so bad!
What to Consider When Taking a Loan?
If the payments are not enough to help, and need to manage the loan, it is perfectly understandable. This application has some things you should definitely think about, like any loan.
- How much extra money do you need? As mentioned above, there are also a number of benefits that are used to prepare a child for birth, and do not take many things from an extraordinary source. Even if you need to fit the entire nursery, you can do it is probably a few thousand euros more likely. Hit all costs together and take advantage of it – you shouldn’t borrow more than needed.
- Should You Handle High Monthly Payments? It is worth thinking and critical, not lowering the monthly payments to ensure you get along the fine. Please note that if you need a loan to make payments to a child in the first months of life, narrow the money if you have growing baby things to acquire.
- If you already have a lot of responsibility? It depends on whether and how much loan you all have. If you have already purchased a car loan, for example, and other obligations, it is difficult to get a loan and get a pretty negative answer. Scales detail your responsibilities.
- Quick loans or consumer loans? The birth grant preparation charm lies in the fact that you are actually several months in designing the economy – you are not making decisions in haste and overnight. Therefore, you should consider more consumer loans, which are far more favorable rates than short-term loans.
Loan decisions, but you should not be ashamed to do this, you need this decision, and your financial situation allows you to handle dividend income. Childcare, investing in one of the best things you can do and is completely deplorable if you want the baby to be great.
Just think about a long-term loan and make a decision that will help you properly cover up with the recent economic problems without giving up.
Start recording a lifestyle
The best way to improve the economic situation is to implement a more sustainable lifestyle. Indeed, it seems very difficult, but in fact it is not so much a great art. “Hook” is the ultimate concern for budget and execution.
Compliance with sustainable means of subsistence is a good lesson for little ones, learning from the beginning, how well you make money! Everyone wins like that.
If you are not quite sure how to start saving, by taking a car collateral loan look at our advice (there are over 200!) Where you will find the link below .
Finally, do not calm, things slowly make money and rush out of the store, but behave strategically by procuring some important things. Compared to loan decision making, for example, first compared to Glass familyGlass family lenders the opportunity to do it, and the best choice for yourself, keeping the total money and loan offer to find the best conditions.