Lesson I: Your Wallet

Before we continue you should understand that it is important to know your money. That means; you have to know how much money you receive and how much money you spend every month for example. Knowing this, allows you to understand how much money you have available each month and thus prevents you from spending too much, or making too many debts.

Once you have a clear idea about your finances it will be easier for you to manage your income.
Depending on how much you earn, you should think for yourself how much you would like to spend on different things. For some smaller items, you will be able to pay instantly. There are however many other items like; car, boat, new shower, new kitchen, and even a new house which you will not be able to pay so easily.
For this part of expenses there are other alternatives which you can use. We call this: borrowing money.

Lesson II: Loans
If you like to have a mortgage to buy a new house. Or buy a new car which you always wanted, or even a new kitchen. For these, there are loans. In fact, there are thousands of kinds of loans, which offer you the opportunity to but the things you like now, and pay them off later on. So lets say you would like to have a new kitchen for zloty 10,000. In this case you could apply for a loan and pay this back every month. Of course you need to pay interest for this loan. That is the price of the money you have borrowed. But the advantage of it is that you can enjoy your kitchen now and also pay back in small terms like zloty  300 each month.  This method you should always use when there is really no other choice. Because, the real best choice is to pay in cash right away. So that no one will ever come to you and demand money.

Lesson III: Never forget.

Now you know the basics of finance, there are several rules you should never forget.
- Control your finances
- Always use the money you have
- Try not to borrow to much.
- When you need a loan, go to professional institutions, because they have the best regulations.

These are the basic rules you need to apply when searching for a loan, or when you would like to manage your finance. Many banks in Poland, but also anywhere in this world will try to sell you some loan because they earn money on it. They can sell you bank-loan, mortgage, car-loan, small loan, offer you low interest rates and so on. But in fact, they never loose, they will always make money and thus will try to sell you the product. So, always remember this before you apply for any loan.

A last thing you should remember: Loans always cost money. No matter how good they seem to you. Because, there is no free money in this world.
But by choosing the right loans. mapping your expenses and controlling your wallet you will be able to have a good managed finance so that your life will be a little bit easier. Now you know the most important spending tips.

Check this site regularly for more updates about loans, taxes, insurances and so on.

Wees echter wel bewust dat wij niet alle informatie kunnen verschaffen. Wat u hier niet kunt vinden, kunt u altijd wel elders achterhalen. Breid uzelf daarom goed voor, voordat u naar een commericele instelling gaat voor advies. Een feit blijft namelijk dat zij ongeacht wat ze ook beweren, enkel bestaan om geld te verdienen.

 Zoals de campagnes altijd maar blijven zeggen: Geld lenen kost geld. Er zijn geen uitzonderingen op deze regel. Dus wees voorzichtig.