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Family Christmas, and then a new stage? Emigration is once again an option for many after covid. The best salaries abroad are the great incentive to venture. For some, the question is not whether to go or not, but where. The more expensive cost of living also has an impact, although at least new support is added if the situation is extreme.
Way out. After the covid, some trends are recomposed. In the last year, the flight of talent in Spain caused 400,000 people to leave. They look outside for what they don’t believe they can get in the country. The value of human capital that is lost exceeds 150,000 million euros. While it is still being debated here whether there are really many job vacancies or not, for those who have decided, the question is where to go. Germany, France, Denmark… There is an official portal that compiles all the offers that can be opted for from Spain. Would you do it?
Is saving possible? The great incentive is to earn more. In these lands salaries sometimes fall short. For Sara Ferrer, in any case, there is always room: “A mileurist family has to be able to save,” says the author specialized in personal finances. It is increasingly difficult if things continue to rise, like olive oil, which returns to its old ways and hits all-time highs.
Brick trends. On the housing front, 2024 is looking somewhat better. Mortgages will go down, experts believe, with special attention to fixed and mixed mortgages, which are today the banks’ favorites. The fall can revive a market that adds month after month with a fall in loans. Except in two autonomous regions, fewer mortgages are requested than last year… For those who plan to buy to rent it out and invest, know that the profit is not as high as it seems with all the expenses that appear along the way.
More supports. Not to be discouraged by the outlook, there is also good news to close out the year. In terms of employment, the unemployment benefit will rise to 570 euros and can be combined with a job for six months. And in housing, the code of good practices for mortgage holders has been expanded. Now it will be possible to welcome more people, even if they have a higher salary, and freeze their monthly payment or extend the life of the loan if they are in trouble. The suspension of evictions for vulnerable families is also extended until June.
Christmas lottery days and joys. What to do with the money? How about a luxury apartment in the center of Barcelona with a terrace, swimming pool, spacious… and in the former headquarters of Convergència. The problem is that you will have to have many winning tenths: this is what it is worth and that is how it is.
Managing the prize well is the important thing. It wouldn’t be the first case of someone winning the lottery and going bankrupt in a short time. There are several tips to follow and decisions to make to prevent your smile from turning into a nightmare.
