Recently in the social networks of Buró de Crédito they asked me about ideas to have more economic resources available to make a payment greater than the current credits. I am happy to share with you a list of ideas that I carried out at home:
So far since the pandemic, working from home, I saw options to lower the consumption of electricity. My first idea was to put solar panels on the roof, there are financing options, but after evaluating different proposals, for my house in particular, I decided to change all the lights. I made an inventory of the energy saving and incandescent bulbs and replaced them with LED bulbs. In the beginning it hurts to make the investment but eventually they will pay for themselves and I will save. Speaking of light, I only turn on the essentials. Yes, the ambient light is beautiful but it costs and if there are no guests, the minimum is enough.
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Speaking of light, where if I could take advantage of solar power, it was by installing a water heater. Boy, if it gets hot; it was so much that the tubing included in the heater (PVC) melted. I suggest that if you want to save gas with a heater like this, you should first consider using better copper tubing. And to save more gas I decided to install an automatic bypass heater that only turns on when you turn on a hot water tap, it does not have a pilot nor is it constantly heating water. And of course, you have to bathe well but hastily to save more gas and water.
Staying on the theme of the bathroom, to save more water I installed saving showers that mix air with the water and thus the consumption of liquid is lower. The toilets are not very old but there are new ones that consume less water, so what I did was fill the current tank with plastic bottles filled with stones to reduce the capacity with which the tank is filled and thus consume less.
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Many people are buying the line: what the supermarket, what clothes, what games, what electronics, everything. What has become very clear to me is that there are often big differences in prices. There are even occasions that the same chain has different prices in Mexico and in the United States and then, even paying shipping and taxes, it is cheaper to order from the store in the United States. Yes, there are times when things are the other way around so you always have to check in several places to get the best deal. I have also used online stores where individuals sell new or used things but then the used ones become priced above the price of the new ones, so it does not mean that it is cheaper by appearing as “used”.
And finally, it is also good to know the conditions of our current credits. If we can find the same but with better conditions (attributes and / or price), we must evaluate the convenience of changing the institution and thus have something better and even at a better price. If you have an attractive Credit Report in the Credit Bureau, the chances of you finding opportunities like this are greater. If you want to know how well you are, ask for the report along with My Score at www.burodecredito.com.mx
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Wolfgang Erhardt is a national spokesperson for Buró de Crédito, spokesperson for the Latin American and Caribbean Association of Credit Bureaus, and author of the book “I want a credit! How to get it and keep it ”.
Twitter: @WolfgangErhardt
LinkedIn: Wolfgang Erhardt
The opinions expressed are solely the responsibility of their authors and are completely independent of the position and editorial line of Forbes Mexico.