Withdrawals, insurance contracts, various subscriptions, there is certainly some cleaning to be done in your accounts to recover a few tens of euros which, in the end, could result in a gain which may be relative, but not negligible. Advice from Fanny Guinochet.
franceinfo: Cleaning up your accounts can be fruitful, Fanny?
Fanny Guinochet: Pay particular attention to forgotten direct debits and subscriptions. Start by taking stock of what is taken from you regularly: telephone, Internet, television.
What can you do without? The sports club you never go to, the membership to a streaming platform that tempted you with a free month, and has since turned into a regular subscription, but that you don’t use, l application to a scanning service for administrative documents, while your printer also scans etc.
I insist because, according to a recent survey, 40% of French people say they continue to pay for a subscription they no longer use. Once the sorting is done, call, send a mail, and terminate the superfluous, it will be as much money earned.
Can we also sort through our insurance contracts?
Yes, home, car insurance, mutual insurance: put the content of all your contracts under the microscope, it takes time, but here too, it can reduce the bill.
The life accident guarantee that you have taken out separately is often included in another contract. Check that you have the device that meets your needs, especially if your situation has changed recently. For example, if there are fewer of you at home, if you use your car less, etc.
And above all, do not hesitate to renegotiate to adjust. You can do it yourself or go through intermediaries such as sites Bemove, Ideal who offer the management of your subscriptions for free.
Also consider bank charges. Now is the time to take a good look and compare: do you really need this type of credit card, etc.?
And we can recover money from forgotten savings accounts…
An old booklet A opened by a parent, life insurance of which you are the beneficiary without knowing it, a company savings plan that you have forgotten because you have left this company, this is also another search to carry out.
To see what it is, and recover this money, you can go to the portal Ciclade, a free service set up after the Eckert law, which reinforced the obligations of banks with regard to inactive accounts. So, you never know.
For 5 years, more than 7 billion euros have been transferred from forgotten contracts and accounts. If the sums are not claimed, it is the Deposit Fundso the state that recovers them… That would be a shame!
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