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Will there be a Christmas dinner at your home? Learn how to cook for the whole family without spending a lot of money – News

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Will there be a Christmas dinner at your home?  Learn how to cook for the whole family without spending a lot of money - News

There is nothing better than getting the whole family together for Christmas, but the logistics involved in getting everything ready are by no means the easiest, and the costs can be quite heavy on your family budget.

However, there are always ways to mitigate this impact and prevent the holiday season from becoming a cause for concern. Do you want to know how? Check out these tips from Selectra (an expert on comparing ratings) and learn how to welcome guests without impacting your expenses too much.

The secret in cooking

1. Set a budget before you go shopping.

Before heading out on your big shopping adventure during the holiday season, make a list of what you really need and how much you plan to spend.

If you want to resist any of the countless temptations of the supermarket, carry cash with you instead of a credit card. So make sure you don’t go over this limit!

2. Find cheap and easy recipes.

There is no shortage of simple and delicious recipes! Place your bets on local produce and canned goods, which tend to be cheaper, and make delicious snacks with few ingredients.

3. Shop right away

Don’t waste time and money shopping in the supermarket. Unless you’re looking to take advantage of a major promotion, the cost of gas won’t compensate you for the slight difference in price.

4. Take the ingredients out of the refrigerator some time before cooking.

Remove the ingredients from the cold before starting work. This way, when you cook them, they will already be at room temperature, and you will not need to spend so much heat and energy while cooking.

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However, if you want to defrost food, place it in the refrigerator the night before to keep it cool inside the appliance.

The oven may not be your main ally

5. Choose recipes that don’t need to be baked.

While practical, the oven is also one of the household appliances that consumes more energy in the kitchen and therefore significantly increases your electricity bills.

So, choose desserts and snacks that you don’t need to bake, and cook them all at once, if necessary, so as not to constantly turn the appliance on and off.

6. Whenever possible, choose a microwave oven for heating food.

Did you know that choosing a microwave instead of an oven saves you 60 to 70% energy? We are well aware that not all recipes can be cooked in this small appliance, but when the goal is to reheat food or do something simpler, it serves its purpose very well!

7. Always cook on a suitable stove top.

Your meals will be cooked faster and you will avoid unnecessary waste of energy!

8. Benefit from a two-hour payment.

If you’ve negotiated a two-hour pay, take advantage of the hours when energy is cheaper to increase your income.

Then start preparing the night before at 10:00 PM (no time) and try making the appetizers or desserts that you want to put on the Christmas table right now.

Cleaning has its own tricks too

9. Washing dishes by hand can be costly.

Washing dishes by hand is not only not a pleasant experience, but also requires more water and energy than you think! So when dinner is over, put all the dishes in the washing machine.

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However, make sure that charging is complete and that the program you are using is not using high temperatures.

10. Avoid food waste.

It is true and it is well known that food always stays on these days! So, save some freezer space to save some of that surplus. Thanks to this, you not only do not waste food, but also spend energy on preparing new dishes.

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Economy

House fees will rise from 89 to 202 euros in October for contracts with Euribor.

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House fees will rise from 89 to 202 euros in October for contracts with Euribor.

An enterprise simulation shows that a client with a loan of 150 thousand euros, for a period of 30 years, indexed to Euribor for six months and with a “spread” (bank profit margin) of 1%, starts paying from October 600.20 euros, which 146 euros more than the last review in April.

In the case of a loan with the same conditions (amount and maturity), but indexed to a three-month Euribor, the client will pay 555.25 euros, which is 89.08 euros more than in July this year.

Finally, for loans indexed to the 12-month Euribor, the mortgage payment on the loan under the above conditions will be 651.41 euros, which is 202.10 euros more than in October last year.

These values ​​have been calculated using September averages of Euribor of 1.596% for six months, 1.011% for three months and 2.233% for 12 months, according to Deco.

Today, on the last day of September, the Euribor rates rose to three and six months and fell to 12 months compared to Thursday.

The six-month Euribor rate, most commonly used in Portugal for home loans and entering positive territory on June 6, rose to 1.809% today, up 0.009 points, after rising to 1.858% on Wednesday, the highest since January 2009. .

The 3-month Euribor, which hit positive territory for the first time since April 2015 on July 14, also edged higher today when it was set at 1.173%, climbing 0.013 points after rising to 1.228% on September 27, a new high. since January 2012.

On the other hand, in 12 months, Euribor fell today, for the third time since September 9, when it was set at 2.556% minus 0.022 points against 2.625% on September 27, a new high since February 2009.

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Euribor began to rise more significantly since February 4, after the European Central Bank (ECB) acknowledged that it may raise key interest rates this year due to rising inflation in the eurozone, a trend that has accelerated with the start of Russia’s invasion of Ukraine. 24 February.

On September 8, the ECB raised three key interest rates by 75 basis points, the second consecutive increase this year, as it raised three key interest rates by 50 basis points on July 21, for the first time in 11 years. the purpose of curbing inflation.

At the end of the last meeting, ECB President Christine Lagarde said that a historic 75 basis point hike in interest rates was not “the norm”, but stressed that the evaluation would be carried out from meeting to meeting.

Changes in Euribor interest rates are closely linked to increases or decreases in ECB key interest rates.

Three-, six- and 12-month Euribor rates were the lowest ever, respectively: -0.605% on December 14, 2021, -0.554% and -0.518% on December 20, 2021.

Euribor is set on the basis of the average rate at which a group of 57 Eurozone banks are willing to lend money to each other in the interbank market.

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Economy

Inflation accelerated to 9.3%, a new 30-year high | Prices

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Inflation accelerated to 9.3%, a new 30-year high |  Prices

Price pressure on the economy is not easing. The consumer price index (CPI) rose 0.4 percentage points year-on-year in September to its highest level since October 1992. The inflation rate in Portugal in September amounted to 9.3%. quick assessment published this Friday by the National Statistical Institute (INE). In August, the value was recorded amounted to 8.97%.

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Economy

Germany prepares €200bn emergency plan for winter

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Germany prepares €200bn emergency plan for winter

The German government is preparing an emergency plan to ensure energy supplies during the coldest months of the year, at a time when the country’s energy security has become even more threatened after this week’s leaks in the Nord Stream gas pipeline.

Realizing that winter could be one of the harshest in recent years, the chief executive, led by Chancellor Olaf Scholz, has developed a 200 billion euro plan to address the energy shortage, using funds intended to mitigate the effects of the Covid-19 pandemic. . This strategy includes measures such as capping electricity and gas prices and supporting companies.

El Economista notes that the plan will increase the debt of Germany, which is already struggling with rising inflation, which stood at 7.9% in August.

“Prices must come down,” Scholz said in Berlin this Thursday, noting that comprehensive measures will be taken to protect pensioners, employees, families, “people from the countryside and the city, so that everyone can move.” go ahead and pay your bills.”

The German government guarantees that the package will not affect the country’s national debt targets next year and that it has been designed to protect the economy without hurting inflation.

“Russia is not only using weapons in the war in Ukraine, but also turning its energy resources into weapons at the international level,” Scholz accused.

Just today, the German energy regulator warned that households and businesses have consumed more gas than expected over the past week as temperatures begin to drop as autumn arrives. And he warns that savings of at least 20% are needed to avoid winter fuel shortages.

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