Pay less maintenance

Some alimony payers go to endless lengths to pay less alimony by disguising income o.a. In some cases, all these efforts would not even be necessary if only the available options had been consistently exploited.

Therefore, below we present the most important tips and tricks on how to achieve lower alimony obligations in a completely legal way.

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Is my credit score good enough for a mortgage?

Is my credit score good enough for a mortgage?

Your credit score, the number lenders use to estimate the risk of extending your credit or loan, is a key factor in determining whether you will be approved for a mortgage. The score is not a fixed number, but fluctuates regularly in response to changes in your credit activity (z. B. if you open a new credit card account). Which number is good enough, and how do the scores affect the interest rate you offer? Read on to find out.

FICO Score

The most common credit score is the FICO score, created by Fair Isaac Corporation. It is calculated using the following data from your credit report: Your payment history (which represents 35% of the score), the amounts you owe (30%), the length of your credit history (15%), types of credit you use (10%), and new credit (10%).

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Installment credit for consumer goods – popular form of the acquisition without down payment

Almost half of all households take up the offer of zero-percent financing for consumer and luxury goods. Unfortunately wrong planning and overestimation of the own financial strength lead on this way frequently into the debt trap. This can be avoided by wise calculation and realistic planning.

Installment credit for consumer goods - popular form of the acquisition without down payment

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Debt restructuring – the magic bullet against over-indebtedness?

Over-indebtedness often seems hopeless. But even if you're not necessarily facing default, you can still improve your credit terms under certain circumstances. As a result, it's worth considering possible alternatives to existing contracts at some point – even in the absence of liquidity issues.

It's a case-by-case decision each time whether restructuring your loan situation is financially viable. So also consult financial experts when making your decision. The debt restructuring model is also finding use at the state level.

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Save money on your energy provider

Many Austrian households underestimate the potential savings that can be made by switching electricity or gas suppliers. It is estimated that 75% of all Austrians have never switched their energy provider, and this is despite the fact that the Austrian energy market was liberalized back in 2001. For example, a family can often save 300 euros a year by switching electricity providers, and as much as 600 euros a year by switching gas providers. Actually easy earned money, if one considers how fast and simply one can change nowadays.

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Illegal money lending?

Is it possible to borrow money illegally or is it completely legal to borrow money without a bank??

How to borrow money illegally? And everything you should know if you want to borrow money illegally. Why people want to borrow money from loan shark on the darknet.

The most important facts explained. How to get money fast without a bank. How to borrow money legally, seriously and without any difficulties.

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What is a 1a mortgage or 1b mortgage??

1a mortgage and 1b mortgage

Particularly due to the current low interest rates for construction financing or a construction loan, many consumers are currently buying a property and taking out construction financing in the process. In many cases there is not necessarily a large amount of equity available.

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How to bounce back from bad credit and debt

How to bounce back from bad credit and debt

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If you've dug yourself into a financial hole and feel like you can't get out, you're not alone. Many people feel tied to debt and bad credit, and the only solution they can fathom is bankruptcy.

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