Brug afbetaling til at finansiere dine køb

Det er efterhånden mere og mere udbredt, at når man tager ud for at handle, så er der alternativer, hvis ikke man kan eller vil betale kontant for sin vare. Det er rart, at man som forbruger har den mulighed at kigge på andre måder at finansiere sine investeringer på. Afbetaling, er ikke noget nyt fænomen, men det er over de seneste år blevet mere og mere populært. Man har som forbruger, kunne få nogle rigtig gode aftaler på afbetaling. Det sker, at man kan få det hele uden nogle omkostninger, hverken stiftelsesomkostninger, renter eller øvrige gebyrer. Det betyder med andre ord, at man kun betaler for varens pris, bare delt ud i nogle mindre portioner end det fulde beløb. Hvis sidstnævnte er en mulighed, når man gør sin investering, er det klart en fordel, at det ikke har nogen omkostninger og man blot skal betale varens pris i nogle små bidder. Men hvis man ikke har i sinde at betale kontant, så kan man nok også leve med små omkostninger til et lån, der kan bruges på at investere i det man kunne tænke sig. Men det er også muligt, at tage et mindre forbrugslån, som kan bruges til at finansiere dit køb. Så låner man et pengebeløb, betaler varen kontant og afbetaler over en periode på sit forbrugslån. Hvis tilbuddet er godt og hvis lånet har nogle gode vilkår, så er det bestemt også et konkurrencedygtigt alternativ til kontant betaling. Især, hvis det kniber med at anskaffe sig pengene.

Hævekort med gebyrer

Man skal være opmærksom på, hvad det er for hævekort man benytter sig af, når man handler. Nogle er med gebyrer, andre er uden. Hvis man har mulighed for at vælge, så brug det kort, hvor man betaler uden gebyrer. Andre steder, har man ikke noget valg og skal betale gebyrer for at betale med kort. Det er som regel små beløb, men hvis det f.eks. er i forbindelse med optankning af mobiltelefon, der ofte foregår månedligt, så bliver det til nogle omkostninger om året, som man reelt set ikke får noget for. Så når du skal vælge hævekort, så se om du kan få de hævekort, hvor der er lavest gebyrer. Ellers er det et fint alternativ med afbetaling, hvor pengene automatisk trækkes på din konto uden gebyrer. Mange mindre gebyrer, bliver til mange penge over en længere periode. Folk tænker bare ikke så tit over det, når de skal betale 1-2 % i gebyrer på investeringer, men hvis man gør det mange gange, så bliver det til mange penge, som man kunne have brugt på noget der var sjovere.

Opsparing med mindre værdi

Der er ikke meget værdi i at lave sig en opsparing. Som kunde i en bank, er det ikke længere en selvfølge at man har gratis forbrug af konti. Man kan nemt ende i en situation, hvor man skal betale for at få lov til at have konti. Derudover, så får man reelt set ingen renter for at have penge stående, i modsætning til hvad man tidligere har fået. Det er kun som alternativ til at grave pengene ned i haven, at man kan få lov at lade dem stå på en bankkonto. Med det in mente, så er der ingen grund til at spare op i længere tid, måske flere år, for at kunne købe de ting man gerne vil. Så kan man ligeså godt købe på afbetaling og så betale af i en efterfølgende periode. Så behøver man ikke vente på at få råd, men man kan handle fra dag til dag og man har mulighed for at vurdere, hvad ens økonomi kan bære af ekstra månedlige udgifter. Derfor bør man også overveje andre muligheder, når man kigger på hvad det er man gerne vil have, hvor man kan få den bedste aftale i forhold til afbetaling.

Sådan bliver fremtiden

For fremtiden vil afbetaling, blive mere og mere alment brugt til diverse handler. Butikskæder og enkeltstående forretninger vil i stigende grad tilbyde afbetalingsordninger, da alternativet for disse vil være, at kunderne handler andetsteds og det har man ikke råd til. Der er så hård konkurrencer om kunderne, at alle kneb gælder og alle betragtninger tages med i kampen om at vinde kunder og kunne skabe en forretning der er velfungerende. Så vi kan lige så godt vænne os til, at det er sådan det bliver. Det er for nogle en ny måde, at tænke på. Men tingene ændrer sig over tid og det her er efter min overbevisning en del af fremtiden, med flere faste udgifter, til gengæld færre betalinger kontant.

22 tanker om “Brug afbetaling til at finansiere dine køb

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