Few ways to save your money
Save Is good, but to spare Better. This allows her to grow money unspent in a bank account in order to achieve a long term project, such as buying a home for example.
1) Subscription to deposit
In order not to let sleep the money you still end of the month without making it grow, subscribe to direct deposit to your bank. This is useful because your saving you earn more when your payments are made at the end of two weeks (around 15 or at the end of the month) and withdrawals at the beginning of fifteen (16 or 1 month). However, no transfer of the amount you set will be made if your account is not credited with the minimum that you specified when you activated the service automatically.
2) Opt for risk-free savings interest tax-
For less than 26 years, the Livret Jeune is interesting because it can collect an annual interest rate of 2.75% but a maximum authorized deposit of 1600 Euros.
Individuals have a non-taxable interest in opening a savings Populaire (LEP) at a rate of 4%.
When is taxable, the booklet Sustainable Development (LDD) to 3% is net of taxes and social contributions. The maximum LOD is 6000 euros up and money is available at any time. The Livret A to the same feature but its rate is lower (1.25%) and maximum ceiling of 15,300 euros.
3) Save for a mortgage interest rate
It is interesting to start early to prepare housing project since opening a PEL (PlanSavings Housing) is a solution to obtain a loan at a favorable rate when a real estate project in the medium or long term. Moreover, the best savings accounts in 2010 PEL is the first since since August 2003, his remuneration is stable at 2.5%. The principle of the ELP is to make an initial payment of EUR 250 when opening the account, then the investor must be fed up to 540 euros per year, or 45 euros per month. Its ceiling of 61 200 euros.
4) Saving through his company
The PEE (Plan Epargne Entreprise) is a consideration ofsaving Personal allowing an employee to accumulate capital to finance individual projects for personal or simply generate additional income. It is the bank of the company that manages the EEP.
The funds are blocked for 5 years but an early exit can still be made if:
- Divorce, separation or rupture ACAP if it means habitual residence or shared at least 1 child
- Marriage or PACS
- Birth or adoption of a third child
- Disability, 2nd or 3rd degree, the employee, spouse or child
- Acquisition or expansion of primary residence
- Termination of employment contract
- Indebtedness of the employee.
- Creation or takeover of a craft business, commercial, agricultural or industrial by the employee, spouse, or children
5) Reduce spending
Better manage its budget and reduce spending allows a more substantial sum to grow its savings account. This is not to deny, especially the Budget Guide abounds tips to spend less to achieve medium to long term project.
No related posts.
Related posts brought to you by Yet Another Related Posts Plugin.