4 ways to make a purchase on credit more profitable

personal finance management - a vital skill that not only helps to correctly distribute the budget and take effective solution, but also to feel secure in a period of instability.

If you do not know how to bring order to their finances, we will give you some useful tips to help you spend money to good use and take things on credit on favorable terms.

1. Use a credit card with Cash Back

Credit Card with Cash Back allows you to return the money to purchase. So you can recover up to 40% cashback on purchases in the partner companies of the bank: supermarkets, gas stations, coffee shops or online stores. An additional bonus upon prompt return of the loan on the map - the improvement of your credit history, the better it is, the higher the chance to get approval for a mortgage or car loan on favorable terms.

On site service Financer experts made detailed recommendations on how to choose a credit card, depending on the style of shopping, according to the wishes of Cash Back, and even made a card rated with the lowest percentage and simple design. By the way, some of them can also receive a percentage of the balance of funds in the account to 6% per annum.

the credit card details on the conditions of

2. Take micro-loans at 0%

Microloans without interest - is not a clever move, but quite clear action. For you is the ability to quickly and easily solve the problem of overpayments, and for microfinance institutions - to attract new customers, check their integrity and increase brand recognition. Financer experts have selected 9 proven MFIs that do offer a loan at 0% for up to 30,000 rubles and up to 1 month. You only need to provide your passport details and the money will be credited to your card within 15 minutes. In addition, the timely repayment of the loan can correct negative credit history.

Learn more about microloans conditions

3. Establishments credit card with miles of

If you're often traveling by plane or train, the traveler credit card with bonus miles will allow you to save on the purchase of tickets from the partner companies of the bank and get the most out of travel.

Just do not forget to specify the period of validity of miles with respect to a particular card - it is that they are burned, if not to use them in time. In addition to the miles you would get a discount for booking hotel rooms, rental cars, meals in the cafe, shopping in stores and services in beauty salons.

Select the travel-card

4. properly execute insurance

Online insurance has long replaced the traditional methods of protection of their own health or property. Instead of wasting time in traffic jams and queues, you can spend 10 minutes on the computer and receive an electronic insurance policy, which is the action does not differ from the paper.

Making insurance on Financer service goes online is not only faster, but also much cheaper than a direct appeal to the company. You can quickly compare all the available offers, read customer reviews and choose the company that truly offers exactly what you need. For example, not all insurance companies offer travel insurance for pregnant women. In this case, you can get an additional discount on special promotional code in the amount of from 5 to 10%. To do this, you need to choose an insurance company, click on the registration button and enter the promotional code proposed. Learn about the security conditions

The modern woman, every minute counts, but that does not mean that the time savings should result in the loss of money. Manage their finances was easy, thanks to the international on-line services, such as Financer. Here you can visually compare dozens of lucrative offers from banks and MFIs to choose a mortgage on favorable terms, quickly get a loan for a car or open their own business, get insurance, even to register SP and choose a bank to open an account. Using the advice of the expert service, you're easy to learn to budget, maintain a successful business and life hacking apply for saving money while shopping, at home and travel.

And you keep track of your finances?