Taxes
Did you receive your IRS refund? Use it to steer towards financial independence.
Before spending, think: This value could be the first step towards your financial freedom. See how to use it strategically.
Related to: "Study reveals over half of Portuguese people have short-term debts."
Personal Consolidated Credit
What does it mean to consolidate debts?
The sudden loss of income or increase in interest rates can lead to non-payment of credit installments. One option to provide immediate savings is credit consolidation. How does it work?
Mortgage Credit Transfer
Increase in interest rates: How to reduce the installment of my housing loan?
The European Central Bank (ECB) has announced a new increase in interest rates, which also leads to an increase in Euribor rates at various maturities. Therefore, Portuguese people with variable interest rates on their home loans will once again see their monthly payments increase. So, what options can we take to lower the amount to be paid for the home loan?
Personal Consolidated Credit
Families increasing their debts. What to do?
According to DECO Proteste, some families have 20 loans, with credit cards being the main cause. But how to ease this credit burden? Get to know the options next.
Mortgage Credit Transfer
Mortgage credit: Early repayments nearly double in 2023
With the rise in interest rates, early repayment of housing credit was a popular option for the Portuguese in 2023 to avoid high interest rates. Check out the numbers.
Personal Consolidated Credit
Monthly savings of 275 euros: How João and Carla consolidated their credits.
By consolidating their credits, João and Carla saved 275 euros monthly and 3,303.72 euros annually. Find out how!
Housing Credit Acquisition
Household effort rate increases to buy and rent a house. How to lower it?
The effort of families to buy and rent a house increased compared to the same period last year. Understand the increase and how you can lower the effort rate.
Tips
Financial anxiety: Half of the Portuguese feel when thinking about their finances.
A study conducted in Portugal concluded that about half of the citizens feel financial anxiety when thinking about their personal finances. Get to know all the revealed data, next.
Personal Consolidated Credit
Consolidated credit to combine debts: What are the advantages?
Adding different debts into a single credit is possible, simplifying payment and paying less overall. Understand all the advantages of this financing.
Personal Consolidated Credit
What credits can I consolidate?
Consolidating multiple debts can be a good option if the goal is to reduce monthly installments and facilitate budget management. Find out which ones you can consolidate.
Personal Consolidated Credit
Consolidated credit: The solution to simplify your debts.
Learn all about consolidated credit with these articles.
Mortgage Credit Transfer
Learn how to have more financial freedom by renegotiating, transferring, or consolidating credits.
If your credits are weighing on your budget, there are solutions within your reach. Renegotiating, transferring, or consolidating credits can help you save, simplify, and regain control of your money.
Mortgage Credit Transfer
How to save on charges to support the cost of back-to-school?
The return to school can be a painful time for parents who have to buy school supplies for their children, make or renew school registrations. This is why it is important to be prepared for what this context holds. So, how to save on short-term expenses?
Mortgage Savings Credit
Noncompliance with home loans: Find out what PERSI can do for you.
Are you in default with your home loan? The PERSI can help. Learn about the plan that banks must follow in this case, and find out how to save on your monthly installment.
Housing Credit Acquisition
Maximum loan rates will rise in 2024: How to find the lowest rates?
The maximum interest rates on loans will be higher in the first quarter of next year. So how can you access proposals with lower rates? Find out in this article.