Take care of your personal finances in 5 steps

Controlling personal finances can be easier than you think. With just 5 steps, you can organize your financial life, know how much you earn and how much you spend, the areas where your main expenses are and where you can cut expenses and save. Here’s how to take care of your personal finances in 5 steps:


Use apps to manage your personal finances

Use apps to manage your personal finances

Applications are the best friends of anyone who wants to start managing personal finances successfully. Among the options for Android is Money Wise, which allows multiple accounts to be created, has password protection and features daily, weekly and monthly charts, as well as summaries. Personal Finance, also for Android, allows the user to identify their expenses and income. From there, it calculates the monthly balance. Another interesting feature is the sending of e-mail to alert about the expiration of accounts. An Money and Budget, from the same operating system, is an app that operates with multiple currencies, tailored for those who travel abroad a lot. For iOs, Minhas Economias is an option for those who want to manage accounts of several banks and credit cards, in addition to investments and financing. Money Care works as a basic budget spreadsheet, showing bills paid, overdue and payable. Finance, available for Android and iOs, is one of the most complete for controlling personal finances, despite using more complex financial language, especially for those who are starting to manage money.


Follow tip sites for financial control

Follow tip sites for financial control

Tips and guidelines are never too much for anyone who wants to learn how to organize personal finances. So becoming a follower of websites that provide this information can help a lot in managing finances. Minhas Economias addresses issues such as the best ways to establish financial goals and how to know and control your spending. Mr. Dinheiro bets on generic issues related to personal finances, such as ways to escape credit card interest and how to guarantee money for old age. How much it costs to go to college and how much you earn by saving a dollar a day are some of the tips covered by Organizze. At GuiaBolso, you have access to guidelines and tips ranging from how to take care of family finances, how to use your money well and education tips for young people. Information never hurts.


Save for emergencies and to make your dreams come true

Save for emergencies and to make your dreams come true

Creating an emergency fund is essential for two reasons. The first is to have an amount set aside for unforeseen events, such as unexpected expenses with medical expenses, fines, school supplies and everyday expenses in general. Having an amount set aside for this purpose saves you from having to borrow or overdraft if you need extra money. The second reason is also noble: saving allows you to have enough financial resources to make your most expensive dreams come true, like going to graduate school, buying a house or traveling abroad. Organizing your personal finances will be worth it.


Avoid term payments

loan payment

Term payments are among the main pitfalls for those looking for a healthy financial life. This is because these purchases are often made on impulse. That is, people do not even analyze whether they will be able to afford the installments agreed in the coming months. To keep your personal finances up to date, always prefer to save to buy the good you want in sight. In addition, there are still chances of getting a good discount by paying the full amount of the purchase on the spot.


Track spending daily

Track spending daily

The best way to manage your personal finances is to keep track of the expenses that have been made on a daily basis. Thus, it is possible to put the brakes on if you have extrapolated the budget in some category and even set your financial planning for the following month.
Taking care of your personal finances is simpler and faster than you think. Ready to take the first step? 

Loan without collateral. Urgent money loan without collateral in Ukraine

If the bank refused your loan, and the financial problem is acute – get money on credit without collateral at Good Finance!

Using our online service, the required amount will arrive within 20 minutes on your card – without collecting documents from banks and loss of property in pawnshops.

The whole process is carried out on the network, so you can get money on credit without collateral at work, in a store or at home in any city of Ukraine, the main thing is access to the Internet.

Borrow money without a deposit online to a bank card


We issue loans in Ukraine without collateral, without requiring a pack of documents or personal presence. Due to this, we got rid of the need for commissions, surcharges, and payments – with us you get money quickly, safely and transparently. To do this, you will need:

  • register in the Good Finance system – on the main page of the site (only relevant information);
  • indicate personal data: passport, TIN, bank card numbers, as well as mobile number and email;
  • indicate the required amount (interest on money in loans without collateral are calculated through a loan calculator);
  • leave an electronic signature – a click is considered consent to the terms of the contract;
  • wait for the notification on the phone and receive money on the card (MasterCard and Visa).

An urgent loan from 1000 UAH in 20 minutes


In Good Finance you get money on any card of a Ukrainian bank without additional interest. The calculation is carried out taking into account APR 474.5%, which includes the loan interest.

In fact, you take an urgent loan without a deposit of 1000 USD for 7 days, and pay only 1091 – the amount increases loyally! The more you take loans and pay them on time, the higher the internal credit rating and the more bonuses in the service.

Advantages to getting a loan without collateral from Good Credit


  • we give out consumer and quick loans to businesses without collateral;
  • the application process takes place on the Internet;
  • with a loan calculator you know how much and when to repay;
  • Service and technical support works 24/7.

Loan term and methods of repayment

The minimum loan term is 1 day, the maximum is 35 days and the possibility of extension for 7, 15, 30 and 45 days. If after 90 days you have not returned the money, then the amount is frozen and interest does not increase.

If you already have one active delay, you cannot take new loans urgently without collateral in Kiev or another Ukrainian city through the Good Finance service.

How much to borrow with a salary of 1400 USD?

A borrower can devote up to 462 USD each month to repay monthly payments as part of a real estate project.

Borrow with 1400 USD net of salary


The income of a borrower determines the amount he can obtain from banks in the context of a real estate project. When a borrower receives a monthly net salary of 1,400 USD, he can spend up to 462 USD on repayments of various monthly payments. This amount quite simply corresponds to a debt of 33%, the limit threshold set by French financial authorities.

In other words, it will not be possible to go beyond this indebtedness simply because the financial health of the borrower can be called into question, he will then have to choose the duration of repayment adapted to his real estate project.

The salary is not the only element to take into account, if it makes it possible to calculate the indebtedness and in particular the maximum sum that can be obtained by a borrower for a mortgage, it is compulsory that it is associated with a contract in Permanent or permanent official.

The account statements will also give indications on how to consume and the state of health of the borrower’s finances. The solvency study makes it possible to give a favorable or not a follow-up to a mortgage project, having taken into account the whole situation, whether on a personal or financial level.

Table of gross sums with 1400 USD of wages


Here are the gross amounts, without taking into account the fees and interest rates, that a borrower can obtain with a maximum debt of 33% and without outstanding loans:

  • 5 years (60 months): USD 27,720
  • 10 years (120 months): USD 55,440
  • 12 years (144 months): USD 66,528
  • 15 years (180 months): USD 83,160
  • 20 years (240 months): USD 110,880
  • 25 years (300 months): USD 138,600
  • 30 years (360 months): USD 166,320
  • 35 years (420 months): USD 194,040

Simulate the mortgage with income of 1400 USD


The mortgage simulation is essential to validate the feasibility of a real estate project, simply because it will take into account the rates and fees applied by banks and credit institutions at this time.

The loan conditions are constantly changing, so you have to estimate a mortgage taking into account these different elements, this allowing to validate or not the obtaining of the financing. Note that interest rates will differ depending on the bank, all the more reason to carry out a comparative simulation.

Finally, within the framework of a monthly net salary of 1,400 USD, it is possible to take advantage of assistance schemes for homeownership such as the zero rate loan, the GFI loan or even the employer loan scheme.

Financial aid that can tip a mortgage loan file and facilitate obtaining funds from a bank. These elements are taken into account during the request and the various costs are also automatically estimated. Note that this simulation is free and without any commitment.

Installment loan for low earners.

An installment loan for low-income earners is most likely still possible via the direct banks on the Internet, since, in contrast to large and house banks, these often place somewhat lower demands on the creditworthiness of the applicant and future borrowers. The direct banks can be found within a few minutes by means of a credit comparison, which also provides direct information about how much the loan costs in total and at what amount the monthly installments are due.

Low income make high loans

Low income make high loans

Nonetheless, low-wage earners are by no means ideal candidates for banks, because the low income makes high loans, above all, almost impossible unless additional collateral is included in the loan agreement. The borrower’s income, both type and amount, plays a major role in evaluating creditworthiness and is considered the main factor when it comes to whether a loan is ultimately issued or rejected. Accordingly, especially high loans are often only possible if there is at least an average income and permanent employment.

The higher the income, the higher the credit line

The higher the income, the higher the credit line

The credit line is determined by the bank and serves as an internal guideline up to which maximum amount a person can take out a loan. For low earners, this credit line is therefore smaller than for people with a very high income. Affected persons should also make sure that they choose a long term for the low-income installment loan so that the amount of the monthly installments does not exceed their own budget.

The longer the term of a loan is measured, the lower the monthly installments are logically. As a borrower, you have to pay off a loan a little longer, but the low installments can still be combined with a very small income.

As a rough rule of thumb, even if it differs depending on the bank, it can be said that at least a net income of 850 USD should be available so that you as an individual are even eligible for a loan. This installment loan for low-income earners may be able to ask the borrower to pay slightly higher interest rates than if the borrower had a higher income, because the bank wanted to protect itself against default.

Short-term financial injection for low earners

Short-term financial injection for low earners

The installment loan for low earners can be used both as a short-term bridging of a financial emergency, but also to make larger investments that would not be compatible with a low income without high reserves. If the income is even so low that the borrower receives a rejection, he must seek additional collateral for the loan agreement.

A paid-for car can, for example, serve as attachable capital if it has at least a relatively high resale value. If necessary, a guarantor can also be used if someone is found. Its income and assets then count towards the evaluation of the creditworthiness, since this is also liable in the event of a payment default.