When you do not have a pre-established order for any daily activity, the result is sometimes only bad times, especially if it is related to a debt. Therefore, Sandra Yparraguire, representative of Kobranzas SAC indicates some recommendations to buy responsibly and without affecting our credit.
1. Make a purchase list
Planning in advance is a very important step at the beginning of any activity to be developed. Therefore it is advisable to create a listing, this way you can draw a budget suitable for your economic possibilities.
2. Review the balance of your accounts
Through an ATM, web portal or specialized applications to check your account statement should check your available balance. Then you can set your budget. However, you should consider that if your goal is to save expenses should be controlled or in other cases discarded.
3.To determine the number of quotas
When buying always give you the option of being able to split the expenses made in installments, in some cases people prefer to pay small installments in several months, however, this, in the long run, would be very expensive. On the other hand, if it is convenient if the expense is small and with little interest.
4. Avoid frauds
Being cautious is essential when acquiring a new product and more if these are on offer, in many cases advertising can be misleading and what you want to avoid is a problem in the future. To avoid these situations it is advisable to pay in cash and not with cards.
5. Avoid using all cards
It is advisable that for each expense designate a different card, on the other hand, if necessary, prolong its use, because later on when you see your receipt the amounts will be exorbitant. Do not spend to spend.
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