These are not in all spells that can rob you of housing, with empty pockets, but at the same time and spoil relations with relatives.
1. Why read the contract, they are all typical. Signing!
Read contracts from crust to crust – the habit is even more useful than cleaning teeth. If you ignore a toothbrush once, nothing happens. However, a continued agreement can leave you without money and housing.
Do not belong to the papers, are frivolous. The "I didn't know," and "I didn't read" arguments in grade school are not considered persuasive.
Signing the contract means that you have familiarized yourself with the terms and agree to them, even if this is not the case.
Therefore, be prepared that one day the disadvantages of the loan, hidden payments, the obligations that you are not able to. Or forget the sentence about typical contracts.
2. Yes, how can you save and keep a budget with a salary of 15 thousand!
Almost every article on saving you will find commenters asking how and why they save when income is only for the most necessary. However, if a high-income person can still allow a cross, a small salary simply commits to being treated reasonably appropriately.
Life under the conditions of rigid savings of hard and boring, but if there is always enough money, it is also impossible to call a perpetual vacation. So it has to work on two fronts: finance and increase sales.
3. Total 100 rubles, it is not money!
By itself, 100 rubles are really not the amount that the fatal way affects your budget. But if you speak out more often than once a month, however, it is worth thinking about your approach to your finances.
4. What is the prenup? We have love!
Today you have love and you listen to each other's wishes, but during divorce everything changes. So if you have managed to kill something before you go to the notification office, go to the lawyer and make a prenuptial agreement.
If you already have at this stage, it is clear in the end how valid you are in the real estate department and consider the interests of each other. So the prenuptial agreement will protect you and lose you from money, and from the wrong choice of a partner.
5. Let's look at an apartment on my mother wrestler, less control
Your young family has lost long time, parents are helped you financially on both sides, you buy an apartment. And then this rock phrase sounds what is built around your money. It sounds logical, in the end anyway, this apartment will then inherit a spouse.
In this scheme, too many pitfalls to agree to.
For example, you can not sell an apartment, because it does not belong to you. The situation with inheritance is also ambiguous: your husband, other children, and the true owners can get into the property of someone else's mother, and only a housing can get true owners.
If the apartment is divorced and will not fall into the property to be divided: It is foreign. History knows the cases when one spouse can buy an apartment for degromous savings of another and arrange an apartment on his mother. So keep your hotel closer to yourself.
6. Why will the will? Family, everything divided by justice
Phrase of creators about the prenuptial agreement. You with brothers and sisters living soul into the soul and believe that everything will be like mom wanted: The apartment to the one who is already doing, the garage and the cottage is another, and the third does not intend to do, you bought a separate housing.
Oral agreements are bad that they are easy to break.
A great chance that the property is divided by the number of heirs in equal parts, and no one will take into account who and how much money received in advance and how he distributes.
Will needs not only older people. Assuming you are married, you own a share in the parent's home. If you die, the spouse can claim a portion of your piece of this housing. Even if you are surrounded by perfectly decent people, the parents still have to revert. You can hardly want it.
7. Think a loan for two years, but I will now get a new iPhone
Lending is a useful tool if you use it with the spirit. For example, you have broken a refrigerator. You need it in any case, otherwise you have to eat what fell. In this case, accept a reasonable loan.
The last model of the phone does not apply to such necessary, especially if you have a penultimate bag. In addition, it is important to decide: Do you need it because of exceptional functionality or because a new? In general, it should be careful on the status matters: they still do not make you in a privileged group if you buy it on credit.
8. We are friends, give me the score, I pay for everyone
What is good in Hollywood movies does not always work in life. In the bar under the influence of alcohol you feel cool and generous, and tomorrow you will take the same friends on bread. Compare your wishes with reality before showing consistency.
9. Give yourself, you can
Debt – Slippery topic, because it is not clear how you can negotiate the return of money, so that you continue to be considered a good friend and relative than a greatest usurper.
If, nevertheless, a person who takes money does not specify the return time, then do it yourself. Ask for a large amount of money to receive. This is normal because the man went to you, and not to the bank where he would ask more guarantees.
10. Not to be ashamed
You read these horrible stories exactly about poor families where graduates have discarded 100 thousand on the banquet, the wedding budget was really to take a house on the coast, and parents are starving after months to buy a child something.
Here, the inadequacy of spending is obvious, but there are no less obvious things for which the round sums are not necessarily.
It is not ashamed to live with the help of means, but what people will think, there are already their problems.
11. I am not a scandalous person, let it be on his conscience
You regularly take into account cashiers, you have repeatedly handed over faulty goods, you have been deceived in the conclusion of contracts, and you are willing to endure it further. I just do not like to swear, and it is useless. And instead of buying a faulty TV, just buy a new one.
Such a passive position will definitely make you lose money and faith in justice. People who violate your rights have no conscience, but you should learn to defend your interests. In the end, the TV can be returned from warranty, and the cashier point to a fault.
12. We live once!
You copy on the initial contribution to the apartment and have already come into the desired amount, however, deduct and spend savings on the game console, phone and vacation. Since housing is a long-term goal associated with rigid savings and mortgages, and the joy of shopping can now be obtained.
Nuance is life, though one, but long (if happy) and unpredictable. And if you do not think about how you will live in 20 years, it can be very bitter.
13. Yes, a small salary, but quiet
You are promoted, but you do not agree: in a new place it is necessary to work more, the responsibility is higher. We will not make all the money.
The reparation of the proposals to earn more, you can not only stand in place, but lose money as inflation turns them away. If you do nothing, the salaries will soon be insufficient to maintain the lifestyle to which you are accustomed.