In times of rising prices new strategies have to be found. If the money is not enough for a short time, for example until the next salary increase or before the new part-time job starts, it is important to find a clever way to bridge the gap.
In the beginning there is a thorough examination of one's finances. What comes in – and what goes out? Food, fuel and heating are currently becoming more and more expensive, thus narrowing the overall financial margin. But the three things mentioned are hardly dispensable, at most there is the possibility to act more sparingly with it. Drive less, turn down the heating, go bargain hunting in the supermarket … There are plenty of tips like that around at the moment. What are the other adjusting screws?
Cancel expensive contracts – put insurances on hold
First of all, there are the unnecessary or at least not so important contracts that lend themselves to cancellation. A too expensive cell phone contract perhaps, the newspaper subscription or superfluous insurances. Perhaps there is an opportunity to leave an insurance policy or two in abeyance in consultation with the appropriate administrator, to be activated later when finances have settled down again. It's also a good idea to set budget limits for certain expenses, for example 100 euros for clothing per month.
Take out a short-term loan to tide us over
If the financial tightrope act can't quite be ended this way, there is the option of taking out a limited loan to bridge the gap. The comparison portal LoanScouter lists numerous reputable providers with their conditions, so that the selection is easier. In the overview you will find important data, for example, about the possible amount of the loan, the effective interest rate and the term of the loan. The possible disbursement date is mostly already the next day. So that the cash injection arrives on time in any case.
Go to the pawnbroker or sell the car
However, taking out a loan is not everyone's cup of tea. And if the bottleneck does not come to an end in the foreseeable future, it is not enough anyway to take out a small sum that will only last for a few weeks. In this case other means must be used. If you don't really need your car, you can take it to a pawn shop and get a certain amount of money for it quickly and easily. Or better, he sells the car completely, then many expenses fall away at the same time.
Other items can also be pawned, such as watches, jewelry and expensive electronic equipment. Who goes to the pawnbroker, does not have to be ashamed at all, this way already started more people than one should think: Quite normal average citizens who need to stabilize their household budget in the short term. If all goes well, they will get their deposit back after a while.
Earn a few euros on the side on the Internet
At the credit side can be turned however also differently. Numerous small jobs are offered on the Internet, which can be done on the side, for example in the evening after work. A fortune beckons thereby not, but depending upon diligence and motivation it can become already some 100 euro additionally in the month. As starting points would be platforms like machdudas.de and content.de to call. Beyond that there are still many other job options, which can be found by search. It is important to register the self-employed activity and pay taxes when the first Euros start flowing in, so that there are no unpleasant surprises later on.
Some people manage to turn their small internet job into a real self-employment and thus unexpectedly fill the cash box with money. In rare cases it even happens that someone gives up his main job and goes completely into self-employment, because his work on the net is more profitable than being an employee. However, this requires a lot of discipline and ingenuity.
Making food yourself and: Learn to preserve
In order to curb the cost of living, it may be worthwhile to plant your own vegetable and fruit garden – by the way, this also works on the balcony. This then becomes something similar to a part-time job, because of course the plants require regular care. The only difference is that there are no taxes or social security contributions, and the entire harvest belongs entirely to its producer. For small areas, it is worthwhile to grow space-saving columnar fruit, even renewable lettuces for picking provide a beneficial supply of vitamins.
There are many tips and advice available on the internet for those new to gardening and, of course, for people who want to grow their food on their balcony or patio. It is important to approach the matter with patience and enjoy the success. In addition, it is extremely worthwhile to preserve larger harvests, so that nothing goes rotten. If you know how to preserve and ferment, you can buy more generously when there are special offers in the supermarkets and "put something aside" for afterwards. Preserves usually last for many months, so that even a possible supply shortage can be bridged with it.