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Besides, local community - the based organisation can make credits to small-scale business to people. 4. Compare APRIL and charge in the finance (which includes payments for the loan, interest and other types of expenses of the credit) offers of credits to receive the lowest cost. 5. Ask, that your creditors during большего quantities of time have paid your accounts. Learn that they will raise for that service - as last charge, additional charge in the finance or higher interest rate. 6. Make the realistic budget, and represent the monthly and daily expenses. Avoid unnecessary purchases - even small daily points. Their expenses put. 7. Besides, construct some savings - even small deposits can help - to avoid to borrow for emergency situations, unexpected expenses or other points. For example, placing quantity of a payment which would be brought under the typical loan to a pay for 300$ in the savings account within six months, you will have additional dollars in stock. It can give you the buffer against financial emergency situations. 8. Learn, whether you have, or can reach, credit protection under the current account on your current account. If you regularly use most of all or all funds in your account and if you make a mistake in the check (or savings) the account book of the account or reports, credit protection under the current account can help to protect you from the further problems of the credit.