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Three financial mistakes that are costing Albanians dearly

2025-11-20 11:40:58Lifestyle SHKRUAR NGA REDAKSIA VOX

Three financial mistakes that are costing Albanians dearly

In a time of high inflation and volatile prices, managing personal finances has become more important than ever. However, experts warn that three key mistakes continue to be made by most people.

1. Not creating an emergency fund

Statistics show that almost 70% of individuals do not have even a month's worth of living expenses saved. What happens when household appliances break down, when you lose your job, or when a health emergency arises? Usually, the solution is quick loans – which leads to the second mistake.

2. Using quick loans

Quick loans are seen as an easy way to get money. But the real interest rate is often staggering. Many citizens take out a small loan, which they cannot repay on time, and end up in a chain of debt.

3. Underestimating “small expenses”

Daily coffee, spontaneous purchases, online orders – they all seem harmless. But at the end of the month they add up to 50–100 thousand "invisible" lekë that directly affects the budget.

The solutions are simple:

– create an emergency fund (even with 10–20 euros per week)

– avoid quick loans,

– keep a weekly list of expenses that you usually don't notice./living


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