{"id":1853,"date":"2025-08-30T10:44:04","date_gmt":"2025-08-30T08:44:04","guid":{"rendered":"https:\/\/fpna.pl\/cr\/finances-at-a-new-address\/ls\/borrowing-wisely-the-basics\/"},"modified":"2025-09-09T20:04:18","modified_gmt":"2025-09-09T18:04:18","slug":"borrowing-wisely-the-basics","status":"publish","type":"lesson","link":"https:\/\/fpna.pl\/en\/cr\/finances-at-a-new-address\/ls\/borrowing-wisely-the-basics\/","title":{"rendered":"Borrowing wisely – the basics"},"content":{"rendered":"\n
\"\"<\/span>
\n

Borrowing wisely – the basics<\/strong><\/h1>\n<\/div><\/div>\n\n

Borrowing money should always be thoughtful. Remember that every debt is a liability that you have to repay, usually with interest. <\/p>\n\n

\n
\n
\n
\"\"<\/figure>\n<\/div>\n\n\n\n
\n

When and why to consider borrowing carefully:<\/strong><\/h2>\n\n\n\n
    \n
  • Emergencies:<\/strong> Borrowing should be a last resort when your financial cushion is insufficient.<\/li>\n\n\n\n
  • High costs:<\/strong> Always check carefully how much you will ultimately have to pay back. Pay attention to the APR<\/strong> (Annual Percentage Rate of Charge), which includes all the costs of the loan. <\/li>\n<\/ul>\n\n\n\n

    Safe forms of borrowing:<\/strong><\/strong><\/h2>\n\n\n\n
      \n
    • From family\/friends:<\/strong> This is the safest way, but requires clear rules. Put the agreement in writing, specifying the amount, term and method of repayment to avoid misunderstandings. <\/li>\n\n\n\n
    • At the bank:<\/strong> This is the legal and legally regulated way. Banks check your creditworthiness carefully, which protects you from taking on too much debt. <\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"comment_status":"open","ping_status":"closed","template":"","class_list":["post-1853","lesson","type-lesson","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/fpna.pl\/en\/wp-json\/wp\/v2\/lesson\/1853","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fpna.pl\/en\/wp-json\/wp\/v2\/lesson"}],"about":[{"href":"https:\/\/fpna.pl\/en\/wp-json\/wp\/v2\/types\/lesson"}],"replies":[{"embeddable":true,"href":"https:\/\/fpna.pl\/en\/wp-json\/wp\/v2\/comments?post=1853"}],"wp:attachment":[{"href":"https:\/\/fpna.pl\/en\/wp-json\/wp\/v2\/media?parent=1853"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}