Millions of people in the UK live right on the edge of their incomes. In fact, 15 million of us living on the edge - they spend more than it is to earn every month. Do not stretch your income is only enough to cover their bills.
USwitch, the website, sent investigators to 2400 people across the country to speak this year, then studied the official statistics of the Office for National Statistics. They found that the average income in the UK £ 2607th This couldSound generous enough, but the actual expenditure questionnaires appeared and stated that we need £ 1229 every month only by essential elements. From what remains, we use an average of EUR 356 to repay debts, and do not spend £ 865 essential elements. So that leaves only € 157 in the bank.
Average cost of living is too high
But this is the average. That is, there are many people with less. In fact, uSwitch found five million people, 10 percent of the adult population,have nothing more on the 30th of the month. They have spent more than they deserved. And worse, perhaps, another 10 million people that have 20 percent of British adults, just nothing on the bench at the end of the month. They are 15 million people directly on the financial edge's.
How will they cope when their daughter in a wonderful day, breathless with the happy news crashes that they become engaged and have set the wedding for only four months? Those who know about 50, how much itCosts, the recruitment in a discreet!
Or how these people are with another that all common expenses that would stretch the budget of each? For example, the need for a bedroom, add the house because the children are now bigger. Or has a medical emergency and someone in the family desperately needs an operation, which can only provide the National Health in 12 months time.
The fact is that these common, but unexpected events, press ordinary families into a loan. Thereis probably no other realistic avenue open for families in which only € 157 per month goes to the bank. Certainly no other way for the 15 million adults who have nothing left at the end of the month. This seems to be confirmed by other figures that show average repayment of debt doubled from € 174 in 1997 to £ 356 in 2007 and that the number of credit cards almost doubled from 36 million to 71 million in the same decade.
How to livesmall
Well, it is a matter left open, perhaps. They spend less. Some people might critical look at the money that goes so-called non-essential items or amounts in the holidays, recreation and culture. Take advantage of the holiday. The researchers found more than £ 1068 we are now one years spent on the holidays, which is twice what we were investing 10 years ago. Free time, are also up - now at £ 250 per month.
But even with the expenditure of not ruling on the protection of the average earnersignificant bills. Omission of annual leave will not correspond to the cost of the addition of bedrooms above. Or pay for their wedding.
The place, a good agent
Loans are the life-savers we need, and fortunately for many of us who own a home, they are available. Someone with equity in their home country to be in the offices of most banks and the firm will not be welcomed-traditional lenders in every High Street. There they will discuss giving a secured loan to the borrower withthe unexpected bill. A secured loan is given against the borrower owns the home. And these loans are available quickly, because they are safe investments for lenders.
But not all the secured loans are the same. You should hire a good agent, because you are looking to go too. He will know where the best terms and conditions can be found. A broker will know what is in store for us and vote with the small print of contracts familiar. He will stand with you and be able to quickly response to yourQuestions how to negotiate with the lender, and so free that the money quickly. A good broker saves you time and money as you reach out for the fast money that you need.
No comments:
Post a Comment