Prepare 2015 tax return now and save an average

If you want to secure this warm rain, you should now prepare your tax return for 2015 as soon as possible. According to the Good Finance Office, the average reimbursement received by employees after filing the tax return is € 873. Reason enough to file a tax return – even if you are not obliged to do so.

For example, for whom is the duty to file a tax return?

  • The self-employed must in principle submit the annual tax return.
  • Employees with additional income exceeding € 410.

Why you should start now

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In the first weeks of the year, the last certificates and supporting documents will arrive. If you already compile all the documents, you are among the first to file your tax return. In any case, even if you are obliged to pay, you have until 31.5.2016 to file the tax return for 2015. But on this date, the pressure and the burden on the tax offices are particularly large, so that the processing may take even longer. Anyone who submits his tax return in good time to the tax office can generally count on a faster tax refund.

Where employees often get the most

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As an employee, you will automatically be deducted a service fee of € 1,000. That means: From your gross wage, which you tax, without further proof 1.000 € are not taken into account with the tax, in order to settle work-related expenditures. As soon as you want to spend more than 1.000 €, you have to prove all expenses.

This is of course a bit annoying and requires a little discipline. Many employees do not do the work because of the lump sum, to collect the evidence about professional expenses. Often, however, a pretty tax savings is lost. This alone shows this fact:

Travel costs

Travel costs

The professional expenses also include the daily commute to work. Anyone who drives 15 kilometers of distance to work every day will be able to pay 1,000 €. Travel costs are calculated using the distance flat rate of € 0.30 per kilometer of the one-way trip. If, for example, you drive 15 km to work on 228 days per year, that alone amounts to € 1,026 – and the lump sum has already been exceeded.

With each additional voucher proving professional expenses, you will save taxes.

Consumers’ credit for people in employment

Whether you are on a permanent or permanent contract, you can take out a consumer credit. However criteria remain to respect to get his conso loan.

 

Make a credit when you are on a permanent contract

Make a credit when you are on a permanent contract

Consumer credit is a loan granted to individuals for all types of non-real estate purchases. It is granted to households under income conditions. Being a holder of an indefinite contract has a significant advantage in obtaining the loan. Indeed, having a permanent contract or being a holder allows the lending institution to have a long-term vision on the future borrower’s income and to ensure income stability for the correct repayment of the monthly payments. However, having a CDI is certainly a good point to get your credit, but other points need to be studied. It is indeed important that the sum of all the monthly payments of credits does not exceed 33% of the income of the borrower, in order to assure him a sufficient rest to live. It is also important not to be listed in the Rims Bank’s default files, which are systematically consulted before issuing a loan agreement.

 

Consumer credit on fixed-term contracts or when one is not tenured

Consumer credit on fixed-term contracts or when one is not tenured

People on fixed-term contracts may have access to consumer credit. Nevertheless, it is important to put forward a certain amount of information to reassure the lending institutions. Indeed, being on a fixed-term contract is a very common situation in France. Whether this is a desired situation or not, arguments can be put forward. As young graduates, it is sometimes interesting to change companies regularly during the first years of experience in order to evolve quickly. The CDD is here an ideal situation. In addition, the fixed-term contract can go up to 3 consecutive years, it is a stable and fixed situation during this period. If the consumer credit does not exceed this period, the lending institutions should not have any difficulty in lending. In any case, it will be necessary to have a well-managed financial situation, preferably with a sum already saved showing the borrower’s ability to manage his budget.

 

Make a consumer loan when you are a public servant or holder

Make a consumer loan when you are a public servant or holder

Being a civil servant presents an ideal and lasting professional situation for the banks. Indeed, with the stability of their jobs, civil servants can claim more advantageous and less restrictive loan conditions. The official credit works in the same way as other consumer credits and can take its various forms (affected, unaffected). However, you must be the holder of a contract with a mutual employee.

4 part-time businesses that will help you save

When it comes to saving, you should not only think about changing your customs, but also looking for new sources of income. Different businesses appear every day for which it is not necessary to leave your job, and one of them could be the key for you to save the amount you want and achieve the objective that has been proposed.

Some ideas that could help you:

Some ideas that could help you:

1. Prepare lunches for the office: 

1. Prepare lunches for the office: 

If you have good seasoning, you can offer to prepare lunches for people at work. It is not necessary to take care of your entire apartment, but if you start with three or four people, you will see that cooking for more does not generate a great expense but it does allow you to obtain good profits.

2. Pick up your co-workers:

2. Pick up your co-workers:

If you have a car and your office partners do not live far from you, you can offer to take them to their homes and charge them less than what a taxi would charge; In this way, you will spend a little more of the fuel you invest daily but you will get some money in return. You must take distances into account to know if this works.

3. Give language classes and / or some discipline:

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If you are good at English, French or some other language, and like to teach, let your co-workers, friends and family know that you have started teaching. Copper per hour and you will see that teaching a few times a week, the fruits begin to emerge.

4. Development of Facebook pages, designs, etc .: 

If communications and social media are your strength, offer your services to small businesses that are emerging. Start with friends and / or family, create logos and other graphic materials as well as Facebook business pages. Do not forget to coordinate very well the time you will devote to this, since it is not the same to deliver products that take care of the administration.

If you have a savings goal, as soon as you start generating profits, open a savings account that allows you to see how much this specific business is generating. Of course, choose one that pays you good interest and does not charge maintenance, so the money continues to grow. For that, compare your options before choosing and so there will be no regrets.