Learn how to consolidate payday loans

How to make a family budget + template + example 

Do you know how to make a family budget? …

All people want their finances to be healthy.

That means spending less, learning about your spending habits and making changes to improve them.

Maybe these changes are because you want to get out of a debt or maybe you have a savings goal in mind for the future. GET HELP to negotiate down your debts and consolidate them into a single monthly payment. 

Without realizing it, many families get into financial problems. And they end up on lists like those of the ASNEF with a record of non-payment of some credit.

For this it is necessary to create a family budget, I know it may seem difficult, even frightening, but if you follow the keys that I will give you today, you will see that it is not so difficult.

Why do you need a family budget?

No one is born with money management skills.

When we are adults it is expected that we can manage our money effectively, however, few are the ones who teach you how to do it.

That is why we experience habitual emotions in people when they do not know how to do something well, for example:

  • Frustration
  • Envy
  • Anger
  • Disappointment
  • Shame
  • Guilt

This ability to manage money must be learned … And it’s never too late to start!

Creating a family budget will help you use the money you have wisely since you can know exactly where you are going. Changing your address if necessary.

A person who knows how to manage their money is stress-free and also knows how to:

  • Pay your subsistence expenses
  • Keep your debts at a manageable level
  • Save for an emergency fund and future goals
  • Keep stress-free from the anxiety of lack of money

Managing money properly does not mean having more income, it means making the most of the money you already have.

That said, let’s continue to know the keys to making a good family budget …

How to make a family budget that helps me save money every month? Tricks and tips to make yours. Click to tweet

The keys to a good family budget

Creating a budget with a template can help you feel more in control of your finances and save money for your goals.

Next, I will describe the keys to follow so they can help you create a budget.

Record your net income

The first thing you should do in creating a budget is to identify the amount of money you have.

Keep in mind, it’s easy to overestimate what you can afford if you think of your total income as what you have to spend.

Remember to subtract your deductions such as social security, income tax, and other taxes. Your final payment after deductions is called net income and that is the number you must enter on your budget sheet.

Tip: If you have an ability or talent, you can find a way to supplement your income, such as becoming a freelancer and working from home.

This can be useful if you ever lose your job and at the same time increase your source of savings.

Record all your expenses

You need to track and categorize your expenses so you know where you can make adjustments.

It will also help you identify where you are spending the most money and where it might be easier to reduce it.

Begin by listing all domestic expenses. These are regular monthly bills such as rent or mortgage, electricity, telephone, cable connection, Internet.

Then record the daily expenses. These are the ones you usually do during the month such as groceries, clothing, meals outside the home, beauty or hairdressing among others.

If you have children, write down all the expenses they generate, such as school supplies, clothing, school lunch, medical expenses, among others.

Transportation expenses such as vehicle fees, gasoline, repairs, etc.

Health expenses such as doctor or dentist, medications, etc.

It also records other expenses such as insurance, education, charity, savings, obligations or debts, etc.

In our budget sheet, you can see all these expenses reflected, ready for you to fill them out.

Set your goals

Before you begin to filter the information you’ve tracked, make a list of all the financial goals you want to achieve in the short and long term.

The short-term objectives should not last more than a year.

Long-term goals, such as saving for retirement or your child’s education, can take years.

Remember, your goals do not have to be set in stone, but identifying your priorities before you start planning a budget will help you.

For example, it may be easier to cut spending if you know that your short-term goal is to reduce your credit card debt.

The best tips to create a family budget that will help you save a lot of money every month. Click to tweet

Make a plan

Use the expenses you have collected to help you realize what you will spend in the coming months.

With your fixed expenses, that is, those that you can not cut. You can predict quite accurately how much you will have to budget.

Use your past spending habits as a guide when trying to predict your variable expenses.

You can choose to analyze your expenses even more, between the things you need to have and the things you want to have.

For example, if you drive to work every day, gasoline probably counts as a necessity.

However, a monthly music subscription, can you count it as a necessity?

This difference becomes important when it is time to make adjustments. 

Adjust your habits if necessary

Once you have done all this, you have everything you need to start completing your budget.

After locating your income and expenses, you can start to see how much money you have left or cut costs so you have money to meet your goals.

Analyze which are the expenses that you can reduce or cut directly, such as going out to eat out, on movie Wednesdays, Friday with friends, etc.

In summary, the purpose is to cut the expenses that are not of necessity, and that therefore allows you to have more free money for the savings that you have set in the beginning.

You can also reduce some expenses such as learn some tricks to save electricity and reduce water consumption.

These savings methods will help you considerably reduce your bills.

Sometimes the smallest expenses are responsible for the flight of your money. When you add them you will be surprised.

Make a new budget with the adjustments applied

The purpose of creating a budget is to be able to achieve the goal you have set, either creating savings for a specific purpose.

Once you have adjusted all your expenses, proceed to make a new budget with your new adjustments, it is important to check your budget regularly to make sure you are on track.

Expenses may increase or you have simply reached your plan and want to start a new one.

Bad Findomestic Payer: What to Do? 3 Ways to Have a Loan!

Image result for findomesticBad Findomestic Payer ? Find out how to get new liquidity, even if reported in the Crif, Experian or CTC database.

Have you been reported in the database on the list of bad Findomestic payers? Are you having trouble getting loans ? If you are hired as an employee with a permanent or retired contract, we can help you .

Request a free loan quote for bad payers now . You will be recalled by one of our consultants with whom you will define the conditions of our best estimate . Received your confirmation to proceed, we will activate for the preliminary investigation.

Have a question ? Write a comment now in the space you find below. We will reply promptly.

Let’s see now what happens in case of late payment installment Findomestic , what consequences and what solutions to get a new loan.

Bad Findomestic Payer: single installment and debt consolidation

 Image result for installment loan” Hi, I’m a Findomestic customer and I need a car loan . Through the dealership I made a request , but also changing financial I was rejected . I would like to make a Findomestic debt consolidation so I could pay a single installment and apply for funding with them in arrears .

I have several defaulting positions and as a result I receive many calls every day, including those of findomestic credit recovery .

Nobody helps me, do you have any advice? I tried to look for the Findomestic loan, but I can not get over it. If possible give me information on the findomestic extract balance ? Is there a form to apply? “

This is the request of one of our clients that for privacy reasons we will call Marco. For several unpaid installments Findomestic , Marco had difficulty access even for the consolidation of current installments. There is no form and balance Findomestic , it is sufficient to request it from the finance company, without a specific document.

Being an employee, even if of a small company , we managed to help Marco; with a converted loan he got 10,000 euros.

With this liquidity:

  • has negotiated with the Findomestic credit recovery office one offered a lower amount than the debt
  • with the balance and excerpt , both the loan and the Findomestic card have been extinguished
  • he managed to buy a used car.

Perhaps Marco did not buy the car of his dreams, but with this solution, with a single installment , he achieved his goal!

Bad Findomestic Payer: 3 solutions to get a loan

Are Bad Findomestic Payer Loans ? Yes, even if reported in the Crif, Experian or CTC database, the possibility of obtaining credit is real. The minimum requirement is to be taken on a permanent or retired contract.

Let’s see immediately what are the 3 loans for bad payers

  • employee loans
  • delegation of payment
  • loan changed

This is the comment of another of our customers:

” I had problems with Findomestic , I also tried with them to request the assignment of the fifth , but I received a rejection for requirements . I’m looking for loan offers , what to do considering that even the payroll loan has been rejected ?

Will I be able to solve my problem? The Findomestic credit recovery service constantly calls me to sort things out, but I do not know where to bang my head. Greetings “

In this case, we evaluated a loan application that has been changed . This loan , dedicated only to employees of private companies, has met the needs of our client. In fact, the requisites for obtaining new liquidity with this loan are different from the transfer of the fifth, that is, it can satisfy requests also for employees hired in companies with less than 16 employees.

Bad Findomestic Payer: how to manage debt collection


Have you had any problems with Findomestic for late payment installment ? Findomestic unpaid installments, what happens ? Credit recovery now intervenes.

When a loan is not paid regularly, in the first instance it is in the interest of the finance company to recover the unpaid installments , so in this case the Findomestic debt collection will be activated. When this continues over time, the institution gives the position to an external debt collection company .

Regardless of any threats or unorthodox methods used, a debt collection company is interested in returning to the position in the shortest possible time. To avoid judicial proceedings, the advice is to find a meeting point with this company, evaluating either a repayment plan or an extract offer .

In the second case, if we talk about Findomestic balance and excerpt , we must take into account that the offer must be made for a sum that is really available. Proposing a figure and not having availability is a way that is not recommended.

The disposable offer is generally considered to be no less than 40% of the debt transferred by the financial company or bank.

Findomestic unpaid installments what happens

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What happens for a Findomestic installment paid late ? The financial institution offers its customers the skip rate , the possibility of not paying the due amount upon expiration, avoiding in this case the reporting in the database .

Now, given this great opportunity, in the case of a late payment of Findomestic installment , the institute will report to the contracted databases (eg Crif) the non-payment . This means reporting as a bad payer , so asking for new funding will not be that easy.

If we talk about a personal loan , then through repayment of the installments from the current account, in the presence of reports the road is not accessible. When there is a new application for funding , automatically, the system, reading the previous reports, will reject the practice.

As mentioned above, there are still real solutions to obtain new liquidity .

Rata Findomestic unpaid: why rely on Globalfin?


The online loan for bad payers proposed by Globalfin is the solution for those who have reported in the database even a Findomestic installment unpaid or paid late. We are a credit brokerage company regularly registered in the OAM n M359 register.

This loan can be obtained through

  • assignment of the fifth salary or pension.
  • delegation of payment
  • loan changed

How does it work?

Received your request through the contact form (to protect your creditworthiness, the report will not be sent to Crif), one of our operators will contact you to verify the feasibility of the request. If so, an appointment will be arranged directly at home.

Where do you live? Rome, Milan, Florence, Savona, Turin, Alessandria, Venice, Barletta, Cagliari, Messina, Naples, Terni, Reggio Emilia ? Do not worry, we are also present in your city. Our collaborators network is active throughout the national territory.

Bad Findomestic payer? Even if you have already made other requests for loans, immediately evaluate our free estimate. Loans to bad payers allow you to get credit even if with a protest or foreclosure (only to employees and pensioners).

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4 people, leasecredi consultants

At the beginning of the month, we dealt with the issue of Debt Consolidation through its definition, which is a financial product that allows consolidating the debts assumed through loans or mortgages, with the possibility of consolidating them in a single installment- ლ(!ლ) help with debt consolidation look at these guys. Naturally, for this operation, there is a need for great commitment on the part of the consultant and above all great skills in solving problems and absolute availability towards the client.

Our agency Leasecredi has a good fortune and the skill of having chosen consultants that reflect our values, from reliability to authoritativeness. Their years of experience with the Cessione del Quinto allow them to find the best solution for the case presented to them, in the shortest possible time. Today we tell you some stories through the experience of Alessandra and Antonio consultants.

Alessandra tells us how to obtain liquidity in the most difficult cases


“I talk to you about a client who needed liquidity because he had to treat his dental problems urgently, but he had a foreclosure relating to food and a recent sale of the fifth. We, unfortunately, had our hands tied. Naturally, we did not lose heart, on the contrary, we saw the problem as a challenge to be solved, above all we perceived the drama that people were facing and for this, they could not work hard to find the solution. We, therefore, assisted the client in his request for “Balance and Excerpt”, ie a settlement offer, an agreement that defines the dispute between the creditor and the debtor. Replaces the previous debt with another reduced, but the payment of which is for sure. Therefore the creditor waives the executive actions and the debtor agrees to immediately pay a lower sum accepted by the creditor, once the amount is paid then the debtor is free from any commitment. This allowed us to eliminate the attachment withholding by entering the loan by proxy and, by difference, the client obtained the liquidity he needed and we managed to solve a problem that not everyone would have solved because not everyone would have the capacity and the passion for being able to do it. ”

Again Alessandra tells us how the biggest problems can be solved


“I can also tell of another experience, we could not finance the customer because in the certificate of salary there was an Equitalia attachment in the queue, in addition to the one already present in the envelope that we had to pay off with our financing. We have therefore managed to assist the client in his request and obtain payment of the installment of the debt from Equitalia a debt installment eliminating the same in the certificate of salary the same attachment in the queue, had no more reason to exist. Thanks to our stubbornness we were able to solve this problem and the customer were satisfied, giving himself a nice period of serenity, ready to start his life again. “

Now we hear Antonio telling us about his experience


“I always remember this experience with great emotion, in fact, I was contacted by a pensioner, he was really recently retired, due to disability. In fact, he had an accident in the building site where he worked, a dispute has opened with a bank, this due to the period of absence from work. We have worked hard to help him and find the most suitable solution, we have supported him during his request for “Balance and Excess”, this has allowed him to keep the ownership of the house, his pension has been renovated and more importantly: the son and his family live in the house, thanks to our commitment and our reliability we can say that we are satisfied with the work we do by helping those in need. “




We remind you that our consultations are always free and that we put all our experience into the service only in order to help our clients obtain financing that improves their situation and that does not make the situation worse, because all our advice, our every evaluation, every our analysis and verification is always free and has the purpose to help the client to understand how to solve a given situation.
Often for many of us some things are safe, like having your own home and your financial stability, but this is not necessarily a security for everyone, every day there are those who fight battles in order to give the best to their family, those in financial difficulty and risk losing their homes and not being able to give their children a future. We must be satisfied with what we have and appreciate more and more the work of those who, with total honesty, help those who every day have their own battles and want nothing more than to win some of them.