How many times have you realized that you will not be able to "cover" the salary for the month? And that you will need to redistribute or exceed your budget, because you have expenses for many things? Children need new footwear, their partner's birthday is around the corner, the car needs to be registered… And it all requires some management of your inflows. Believe that such periods can be easily managed with a few suggestions.

1. Make a list of the most important expenses what you need most at a time when you need to allocate funds. Start with what costs the most and then the rest. Having order will help you focus on what is a priority.

2. A great opportunity for you is the service for allowed minus. Three times better - three times more is the idea of ​​"Halkbank" AD Skopje. Through their service, you have a mitigating circumstance in overdrafting up to three of your monthly salaries. To apply for this great service, take a look here. Halkbank payers can also automatically receive up to three overpaid salaries. The advantage is that they can withdraw money from every ATM in the country with the Masters debit card.

This way you will be able to plan a certain amount of funds with which you will be able to relax, without feeling that you have made too much expense..

3. If you already have an existing loan, you have another option to ease your financial situation. Such is the refinancing loan, which is raised in the bank where you are a depositor or in another, in order to replace the debt or get a source of additional financing. Before you decide to take such a loan, check the risk of whether it will pay off, whether it will be long-term or short-term.

These suggestions are a direction in which you can manage your current assets, but also get an option from the bank in order to facilitate your periods with increased costs.