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Do you have accounts that still have to be paid or arrears? These debt tips help you to deal with your debts.

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If there is one thing that all money gurus agree on, it is that debts are expensive. In short: you can best approach this as quickly as possible to prevent the situation from bad to worse and you only spend your salary on interest and repayments of your outstanding loans. Of course, you do not always speak of debts, it can also be temporary payment arrears. If you have trouble repaying your payday loans, it is important to consolidate them at

Tips on debt

The first step in debt is, of course, to check how many debts you have, with which lenders, what the costs are and what is still open. Also, check whether you have already received reminders and if any agreements have been made. The next step is to organize your finances: how much is going out and how much money is coming in. Can you save on something? The tips below may help.

Tips on debt: exclude insurance

As a Dutchman, you have many insurance policies: of course the compulsory health insurance, but most people also have car insurance, home contents insurance, travel insurance and many more. Chances are that you pay too much. Therefore, check whether you can switch your insurance policies to another provider, extend your subscription at a favorable price or perhaps even cancel the insurance. It is, of course, unnecessary to be double insured.

Tips on debt: cancel your subscriptions

Another cost item that often costs a lot of money: subscriptions. Think of sports school subscriptions that you do not use, subscriptions to newspapers or magazines (look at the library or read the newspaper online), but also vegetable packages and similar. Often unnecessary and very expensive.

Tips on debt: use a budget

Perhaps quite obvious, but a budget is very important if you want to tackle debts. Make an extensive calculation for your weekly (shopping) budget, by summarizing what you still have every week to maintain yourself or your family. Add up all the prices and you have a shopping budget. Check whether this amount really fits within your budget. If not, then it is time to look at what you can possibly arrange because of cost savings. Do you find it difficult to keep your budget when shopping? Make sure you have eaten well in advance, take a shopping list with you that you do not deviate from and take the cash that you have to spend in cash.

Tips on debt: never borrow if it is not necessary

As the advertisements make clear: borrowing money costs money. It is therefore not very wise to borrow when it is not necessary. In the end, you always have high monthly payments and you have things that you can not afford. Paying off the loans is then difficult and often causes problems because it puts such a burden on your budget. So do not just borrow because you want to have something. Always choose to save and put money aside so that you can make a certain purchase. A financial buffer helps you to absorb unexpected and necessary expenses. See if there are cheaper alternatives, such as second-hand options for example.

Tips on debt: only borrow for your home

The only situation where a loan is not a disaster is taking out a mortgage. Now that the housing market is picking up again and interest rates are extremely low, it is a good time to buy a house. You invest in a property that will (hopefully) become more valuable in the future. Moreover, a mortgage brings you a bit closer each month to owning your own home, while renting is a waste of money. An important consideration to make. However, it is wise not to opt for a mortgage-free mortgage, because buying is almost the same as renting, but with a lot of risks.

How Do I Make a Claim for Personal Injury at the Beauty Salon?

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But individuals get in a snit if you talk to them about changing their own lives and eating food that will support health and wellness. What about common things? What favorite items? Heart disease, stroke, obesity plus cancer? Those favorite items? The fact that people get therefore defensive about the eating habits which make us weak, fat plus sick is astonishing in my opinion. Healthy eating creates energy, well-being, healthy immune perform, glowing skin and tresses, robust bodies. The fact that we are able to denigrate that and elevate the particular habits that create the very ailments that require the founding of all of the runs, walks and other awareness-raising events in the parade from the sick is at the root associated with what is rotting our modern society.

Picture the scene. You went to the beauty salon to get your hair dyed and straightened and you emerged a couple of hours later with severe burns to your scalp. Or you went in for a chemical peel and suffered a severe allergic reaction because they used the wrong procedure for your skin type. What do you do? Suffer at home until the injury has got better, suffering time off work and loss of earnings? You could also make a claim for a beauty treatment injury.

It is right and relevant that you should make a claim if you suffer an injury in the beauty salon because the therapist used the wrong dye, or put chemicals for too long on your hair. If you are injured, and it was not your fault, you can claim for compensation. But how exactly do you do this?

Common Types of Beauty Injury Claims

The most common reasons for making a claim include damage caused by the popular beauty treatments like hair dye, skin waxing, tanning, Botox, dermal fillers, eyelash tinting and extensions, and more. Injuries include scalp and hair damage due to chemicals in hair products, wax burns and bleach burns, burns caused by lasers, allergic reactions to beauty treatment chemicals, eye injuries, tanning injuries, and chemical burns.
Is It a Beauty Treatment Claim?

The law states that when a customer enters into a contract for services or goods, those services or goods must be carried out or supplied with due care and attention, and reasonable skill. If this is not the case and it results in injury, the customer is probably able to make a claim. In the case of a beauty injury claim, the person supplying the service is the therapist or salon.

Quick Guide to Making a Claim

If you feel that you need to make beauty treatment claims then lawyers advise that you make a complaint to the salon directly, and keep a record of the response you get. As well as this evidence, you need to show physical evidence of the injuries that you sustained and it is advisable to get photographs of the injuries to ascertain this. Keep a good record of when the treatment was administered and by whom, as well as the type of treatment and how it was carried out.

In the case of an allergic reaction, you may need to demonstrate that the therapist failed to carry out proper testing beforehand with a skin patch test. Keep records of all medical treatment and receipts for any costs sustained as a result of treatment.