Calculate your taxes in 6 steps and 2 examples

Today’s article will address a theme that is dear to us, in every sense of the word: taxes. In the same way that knowing your expenses is imperative to optimize your finances, knowing how to calculate your taxes is a plus to be able to identify the actions that could allow you to reduce them. … Read more

Why does the bank pay itself first?

The bank pays itself first

When we talk about real estate loans, we often hear this sentence indicating that the bank pays itself first , that these bad bankers get paid first . The line is exaggerated, but the idea is there. Is there any truth behind this recurring assertion? So finally, why do we say that? First thing to … Read more

Landlord, our first steps

It has now been almost 2 months since I am the proud landlord owner of a rental property . Or rather should I say that we are, Madam having accompanied me on all the stages of this beautiful project, and will accompany me again on the next ones! The property on which we have set … Read more

Why I changed energy supplier

It’s been a few months since I changed energy supplier. And since I don’t do things by halves, it was done for electricity and for gas. The reason? Economical of course! Indeed, why continue to pay more when you can have the same thing at a lower price ? A few years ago, the idea … Read more

8 levers to lower your monthly expenses

Every month, it’s the same tune. You are in the red or almost and you do not understand why. You don’t know what you can save on , some monthly expenses being, to your knowledge, incompressible. But is this really the case? Back to school is fast approaching, and this time, it’s decided: you’re going … Read more

5 key measures of the Hamon Law

We have been hearing about the Hamon Law for some time, named after the minister associated with consumer affairs, Benoit Hamon. The idea behind this law is enticing: to make life easier for consumers in certain areas where they could still feel wronged, by stimulating competition for example. But ultimately, what does this Hamon law … Read more

Home insurance: what does it really cover?

Home insurance, a necessary security

To protect your home, it is essential to take out home insurance. It is generally intended to cover the home and annexes not attached to the main building (garage, cabins or swimming pool) in the event of damage. Also known as a “multi-risk home” or MRH contract, it also covers property on the property as … Read more

Can you optimize your finances with a loan buy-back?

Budget management requires rigor and regularity, but an accident in life can quickly call everything into question, the grouping of credits is a banking operation designed to deal with these problems of financial balance, the optimization of finance is therefore the objective. Optimizing a budget generally amounts to reducing expenses (optimizing) to gain room for … Read more

Value Added Tax or VAT: Explanations

Registered in the Member States of the EU (European Union), companies which trade in goods with each other must have an individual tax identification number issued by the tax authorities. Also, they must follow specific rules relating to intra-community VAT. But do you still need to know the different regimes linked to intra-community VAT and … Read more