If you are showing a higher expense column than income, you need to make some changes. The good news is once you do this, you rarely have to do this again because you usually spend money in the same categories every month.Īfter establishing your monthly income and expenses, hopefully, the end result shows more income than expenses. This is the foundation of making a real budget that will work. It can be very tedious, but it’s important not to skip this step. Unfortunately, you will not be able to account for the areas where you spent cash, but it will provide you with a rough outline of your spending.īe prepared to devote some time to this task. You can find this information by reviewing your past credit card and bank statements. If you are not sure what your expected expenses are, start by looking at what areas you spent money on in the past three months. Write down a list of all your expected expenses for the month. Next, you need to determine what your monthly expenses are. However, if you have other types of income-such as self-employment or other outside sources of income-be sure to subtract obligations like taxes and business expenses to determine your take-home pay. If you have earned income from an employer where taxes are automatically deducted, this is easy to establish. Your final take-home pay is called net income, and that is the number you should use when creating a budget. My issue with thrifty is that they will accept your insurance if you pay with a gold credit card issued in North America, so that proves you wrong.The first thing you need to do when making your budget is to determine how much money you take home every month after taxes. My point was that it is possible on some insurance policies to take your own cdw without paying thriftys exorbitant fees. I do realise that you must have insurance in Germany, however it is possible to rent a car using your own insurance, I asked at both Avis and hertz when I returned the thrifty one. You must have a very good memory to remember my post about Sweden, or did you specifically go looking after my posts about thrifty? If so I wonder why, maybe just to pick holes in someones posts or perhaps you are just being argumentative? So I didn't post any details of what when wrong in Sweden eh? Maybe you should look again before making accusations of me spamming.Īs for the German ones I replied to what I thought were appropriate posts, don't like what I wrote? Don't read my replies, I'm sure there is an ignore button somewhere. Particularly if you plan to decline insurance, find out whether your US insurance is acceptable and if not, what are your options. I suggest you avoid Terstrappen at all cost and whenever booking online reservation call the car rental company you booked with to verify that there will be no surprise charges thrown at you when you are in your most vulnerable state (sleep deprived, jet-lagged and in a foreign country). The agent was extremely rude and unhelpful, refused to release me from the contract I had and credit me with the $384 charge on my credit card and the only realistic option I had was to accept the $24 extra charge. I had to accept the charges, bringing my total charges from $384 to $543. The other options were for me to accept the Insurance provided by the agent in Frankfurt at a rate of 20 Euros ($24) per day, while my car rental was for $34 per day or go somewhere else and forfeit the $384 already charged as a non-refundable charge on my credit card. The only US accepted insurance was one issued by MasterCard, and had to be provided in a letter form form MasterCard. At the counter in Frankfurt airport, the agent refused to release the car unless I had an acceptable insurance. I accepted the non-refundable charges of $384 on my credit card. I declined car insurance as I already have one. I reserved a car online and was quoted $384 for 1 wk rental.
0 Comments
Leave a Reply. |