When we speak of rational consumption, usually we think of stretching the budget on those things and the number of days in the month, which are necessary and indispensable.
But what happens to personal pleasures? Or those costs that we did not actually plan, but are the result of our current mood or simply incurred without our direct influence?
We will agree, there are not many of them – most adults and responsible people try to control all costs, but just as adults and responsible people, we know that this is not always possible. So how do you manage such costs? And do we really need to give up any ideas or pleasures, just because we didn’t plan them? Can we allow ourselves spontaneity, for a change?
We explored different models on the market that could serve this purpose. From microcredit organizations, which generally offer administratively very simple solutions but with unfavourable interest rates and small amounts, to banks that offer more money, but with more administratively demanding arrangements, we also found an option that actually contains both advantages.
It is a FlexFund package of ProCredit Bank BH. With an open account in this bank, an excellent package is made available to clients, which is, in essence, an overdraft on the current account. The client decides for himself whether and when he will launch this option, and since it is a digital bank, the administration is extremely simple and one step is enough to agree and sign the consent. Immediately afterwards, two monthly salaries are made available to you, for all those expenses that you did not plan. In this package, it is especially interesting that the interest is paid only on the used part and when FlexFund was used. And when it comes to interest, it is much more favourable than the interest of other financial providers, so that makes FlexFund the most attractive arrangement of its kind currently available.
So, at a time when balconies need refreshment or total makeover, when we traditionally turn to whitewash the space after the heating season and closed windows, in fact, any wish we have now can be quite easily and conveniently realized. In times when travel is almost denied to us, turning to other pleasures is not just a matter of luxury, but an absolute need, to keep ourselves in balance. Pleasures often don’t cost much, so why should we think about it then? We want a flexible budget in which we can place some personal joys. And the point.