Reduce debts
Do you have multiple loans? Pay high interest when others borrow money already at lower rates? Before the New Year, you can still have time to refinance the loan. Many banks are timed to the holidays with the most attractive offers. If you take out a new loan at a lower rate and repay all the previous ones, then from next year you will be able to pay only once a month to one bank and significantly reduce the payment.
Open a deposit
The New Year's fuss takes a lot of effort and, of course, money. But you can have time to put the remaining savings into a deposit in a reliable bank: interest will drip on your money — this will help protect savings from inflation. But be careful: instead of a deposit, they may try to impose an insurance policy or investments on you — these investments are not insured by the state, unlike deposits, and do not guarantee profitability. How to protect yourself from misseling, read in the text "What services can be imposed in a bank instead of a deposit".
Create an individual investment account (IP)
As soon as you meet a year, you will spend it, experienced investors say. If you also want to try your hand at the stock market, try to open an AIS by the end of December. This will give you the opportunity to get a tax deduction next year — to return 13% of the amount that you put on the AIS.
Become an investor
Alternatively, funds can be invested in a mutual fund or buy bonds of reliable companies. It is quite possible that by the next battle of the chimes, your balance will noticeably grow. But remember about the risks: investments are not insured by the state, and the higher the potential return on investments, the more likely it is to lose all the money. Therefore, before you risk your savings, weigh the pros and cons — read more about this in the text "What a novice investor needs to know".
Launch your project
Do you want to start your own business in the new year, record a music album or publish a book? With the help of crowdfunding, even complete strangers can support your idea. And on the eve of the holidays, there is a reason to offer potential "investors" special gift editions or New Year's souvenirs as an additional reward for financial support of your project. If you decide to take out a business loan, first study the reasons why banks most often refuse entrepreneurs. This will allow you not to repeat other people's mistakes and increase your chances of getting a loan.
Make a plan
Don't have time to do everything you wanted with finances this year? Instead of writing to Veliky Ustyug, write your personal financial plan for the next year. This will not only streamline your budget, but also help turn dreams into reality — perhaps even without the help of Santa Claus.
Do you have multiple loans? Pay high interest when others borrow money already at lower rates? Before the New Year, you can still have time to refinance the loan. Many banks are timed to the holidays with the most attractive offers. If you take out a new loan at a lower rate and repay all the previous ones, then from next year you will be able to pay only once a month to one bank and significantly reduce the payment.
The New Year's fuss takes a lot of effort and, of course, money. But you can have time to put the remaining savings into a deposit in a reliable bank: interest will drip on your money — this will help protect savings from inflation. But be careful: instead of a deposit, they may try to impose an insurance policy or investments on you — these investments are not insured by the state, unlike deposits, and do not guarantee profitability. How to protect yourself from misseling, read in the text "What services can be imposed in a bank instead of a deposit".
Create an individual investment account (IP)
As soon as you meet a year, you will spend it, experienced investors say. If you also want to try your hand at the stock market, try to open an AIS by the end of December. This will give you the opportunity to get a tax deduction next year — to return 13% of the amount that you put on the AIS.
Become an investor
Alternatively, funds can be invested in a mutual fund or buy bonds of reliable companies. It is quite possible that by the next battle of the chimes, your balance will noticeably grow. But remember about the risks: investments are not insured by the state, and the higher the potential return on investments, the more likely it is to lose all the money. Therefore, before you risk your savings, weigh the pros and cons — read more about this in the text "What a novice investor needs to know".
Launch your project
Do you want to start your own business in the new year, record a music album or publish a book? With the help of crowdfunding, even complete strangers can support your idea. And on the eve of the holidays, there is a reason to offer potential "investors" special gift editions or New Year's souvenirs as an additional reward for financial support of your project. If you decide to take out a business loan, first study the reasons why banks most often refuse entrepreneurs. This will allow you not to repeat other people's mistakes and increase your chances of getting a loan.
Make a plan
Don't have time to do everything you wanted with finances this year? Instead of writing to Veliky Ustyug, write your personal financial plan for the next year. This will not only streamline your budget, but also help turn dreams into reality — perhaps even without the help of Santa Claus.