Has your savings account thinned out considerably recently? And are you now forced to make a major expense (again)? Then you may be short of money. In that case, borrowing money is an excellent solution. But this must be done responsibly, of course. Usually you get the choice between a personal loan or revolving credit. While almost all of us have heard these terms at least once, few people really know the difference between the two. How do you make the right decision? And how do you make sure you don't cut yourself off financially?

Borrowing responsibly is how you do it

Borrowing money is still somewhat of a taboo subject. Most people have grown up with the idea that borrowing is bad. However, nothing could be further from the truth. Borrowing does indeed cost money. It is cheaper to save for yourself. Provided it is done responsibly, there is nothing against it. But it is important to make the right decisions.

Fortunately, lenders are already helping tremendously with this. For example, you can't borrow an unlimited amount of what you want. Based on your monthly income and expenses, they calculate the maximum amount you can borrow. This way you know for sure that you can also pay everything back and that you don't risk getting into trouble.

We like to think of borrowing as reverse saving. If you have a big savings goal, you will put away a monthly amount to achieve it. With borrowing, this goes the same way. Only then you will have the amount in your account sooner and then pay back parts of it yourself. In other words, reverse savings.

Consider carefully whether you really want to grab the maximum loan. If the lender has determined that this is your absolute maximum, it also means that there is very little further slack. Therefore, it may be nicer to borrow a little less than the maximum.

Differences between a personal loan and revolving credit

A personal loan is a loan where everything is fixed. This gives you a lot of extra security. The interest rate is fixed, the term is fixed and you know exactly how much you are going to pay monthly in principal and interest. This gives a lot of extra peace of mind. Moreover, this is a very good option for people who know they are having trouble making their loan payments on time. Now they have a good stick to keep themselves from getting into debt. With a personal loan, however, it is important that you know in advance how much money you need.

A revolving credit gives much more flexibility. You determine the limit together with the lender. This depends on your income. You also discuss what monthly repayments and interest will be paid. Furthermore, you get to decide how much you withdraw. Even after repayment you can withdraw again. The interest rates for revolving loans are not fixed and are usually higher than for personal loans. 

The Breil watch has been made in Italy since 1939. This brand was known as one of the first brands with an extensive collection of so-called pilot watches. It has taken 3 years before they brought the first watches officially on the market. Meanwhile, this brand is indispensable from the worldwide collection of various jewelers and department stores. A funny fact what happened behind the scenes is the following. The watches were from 302 meters height of the Eiffel Tower down thrown to test whether they were strong enough. Through this test, the brand has reached the international media and they could quickly put their name on the market. Only since 2009 they also put strong on making ladies watches. This ensures that couples match exactly the same brands.

Breil watch a luxury design for men

The Breil watch for men is often cast in a luxurious look. There are models where the hands with Swarovski crystals are made. They also often have a sleek appearance of precious metal and steel made. Often there is chosen for a dark background. This ensures that the watch is present, but not too much distracting from the outfit. It is also an affordable brand where you can use high quality. Most men are very pleased and therefore have several of these watches in the house. The prices range between 100 and 300 euros which is not crazy much for a watch. There are often nice features such as date display or a stopwatch. They are often waterproof up to 100 meters so you don't have to take them off while swimming or showering.

The background of this brand

The Breil watch is one of the oldest watch brands on the market. They have made news by throwing the watch from the eiffel tower to the ground. This way they could exactly test the high quality that they want to offer. In the early 90s, these watches were widely seen on television and several famous people wore these watches. Finally, around 2001 they also started designing watches for ladies. These were mostly champagne colored and available worldwide since 2009. Then also the famous bloom edition came out that is still worn by many women. Nowadays there is also more and more chosen for the metal color among the women. That's why the majority of the women's collection today consists of them. Of course, the champagne variant and the leather strap with gold movement are still available.

What distinguishes the Breil watch ladies from other watch brands?

The Breil watch ladies was originally always a champagne like watch. In recent years, more and more women like silver and metal color because it matches best with different outfits. In general, the watches have unique shapes such as an oval or rectangle in various gradations. Most models are a bit smaller because women often want to wear other jewelry as well. Also, the weight is a lot less so they do not experience it as heavy. With the emerging diversity there is also working hard on a unisex collection. This means that women can soon expect a tougher version. Some models have diamonds in the edge that give them an extra striking character. However, the unique shapes are why women often choose this brand. They have a different watch as their girlfriends.

Why people choose a Breil watch

The Breil watch is a well tested watch that has a lot of resistance. Also, most models are waterproof to sun 100 meters. In addition, there is only used high quality. Because this brand sells its watches worldwide, they are also very affordable. The production can go up and the more they buy the cheaper they can do it. There are also models where lighting is built in so you can see the time in the dark. Sometimes the lights are turned on by themselves, but there are also models where you have to press a button on the side of the watch to turn it on. With the chronograph you can measure a covered distance in steps of 1 second up to 60 minutes. So you know exactly how many kilometers per hour you are going as an example.

The advantages of this famous Italian brand

The Italian brand which designs the Breil watch is a known and reputable company. Besides watches they also have an extensive collection of jewelry for men and women. They are also in the leather business and make various beautiful accessories. Glasses of this brand have also been very popular for years. It is part of the Binda group which has several major brands under its belt. Therefore they also give 2 years warranty on the movement of the watch.

A brand known worldwide

The advantage of the Breil watch is that they work with several major brands. In this way they can deliver an affordable watch with high quality. This ensures that consumers who have less to spend can also buy a good watch. The unique Italian design is well appreciated by men and women. The target group is focused on adults so everything between 18-99. This ensures that you can have a casual and perhaps business look with this watch.

From mid-October to mid-January is the best time of year to fish for cod. This is because they migrate to spawning grounds in other areas at the end of January. It is best to fish in the evenings or nights. Then you have the best chance of catching them. But with an overcast sky during the day and a rough sea, you also have a chance of catching cod. Also at the end of ebb and flow tides you can catch a cod. When there has been a big storm you have the best chance of a fat cod. These are often driven to the coast by this weather.

Cod fishing tips

There are many tips on how to fish for cod. But the most important one is that you have to catch it in the winter. Approximately from October to mid-January. After that they move on to other areas. You also have a good chance of catching them during ebb and flood. During these tides the cod is driven towards the coast. Fishing during the dark days has also proven effective. Until 2 hours before high tide you have the best chance to catch cod. Many boat anglers look for cod in the deeper water during the day. This is often where the biggest cod fish can be found.
A cod can be quite resistant to flounder. So it's important to have a rod with a minimum casting weight of 200 grams.

Which bait is suitable for cod fishing?

When you go cod fishing, you first have to look for the best bait. We know that cod like to eat smaller fish. Fish, shrimps and crabs are therefore the most effective baits to catch cod. But when you want the best bait you can use the big black seaweed. Never be too frugal with bait because then you have the chance that he is too fast. A cod can bite very quickly and you don't want to miss it. The catch can vary from day to day because it also depends on the weather and dark times are of influence. The deeper the cod, the bigger it usually is.

Which rod will you use to fish for cod?

When cod fishing you need a good and sturdy fishing rod. Preferably one that can carry a lot of weight. You want to catch the biggest ones and that's not possible with a home, garden and kitchen fishing rod. These are rods of about 4 to 5 meters with a casting weight of up to 200 grams. This you certainly need with a strong current. And that's where most of the cod fish are. To have a good chance you need to cast at least 70 meters from shore. And the ideal line is 35/00 wire.

Cod fishing on the boat

On the boat, you use different rods for cod fishing. You usually use an up-tide rod of up to 3.5 meters. This is because you fish a lot more down than you do from the shore. If you choose to fish with artificial lures, a 2-meter rod will do. Most anglers choose to use a float reel, this usually has a slow transmission. Even heavy fish can be caught with this. Don't fixate on a system because fishing has a lot to do with the weather and you should adjust your rod accordingly.

Where can you fish for cod in the summer?

In the summer it's best to go to underwater mountains where you can fish. The cod is often in these areas in the summer and is then fine to fish. The plateaus around them are often full of fish as well. Because many small fish swim around here like the small pollock, you have a great chance of catching them. Cod likes to eat small fish so they will often catch bigger ones. Coalfish is also suitable as bait to catch cod. It's best to fish as heavy as possible without touching the bottom. This is where your rod can get stuck.

Winter cod fishing in Norway

The Barend Sea in Norway is one of the most popular places for winter cod fishing. This is because there are also huge schools of fish which are good bait for the cod. From mid February to mid April is the best time to catch a big fish. The depths at which you can fish vary from -30 to -90. If you're looking for the biggest ones, it's best to fish the top layer of water. When you feel a fish take your bait, just keep spinning. Only when your rod is totally bent do you strike!

How is cod caught?

When you are fishing for cod, you want to catch it. The best advice we can give you is to look for a plaice. This is where many cods are often located and therefore you will have the best chance of catching them. A strong fishing rod with a pilker is also a necessity. This fake fish has a great attraction to predators such as cod. The rod should have a casting weight of at least 200 grams. This is because the cod sometimes have the tendency to go berserk.

Where can you fish for cod?

When you go cod fishing it is best to go to wrecks. These wrecks are not only suitable for companies but also for sport fishing. Here you will find many larger specimens than you see in the North Sea. But on the North Sea there are also wreck sites where you can do great fishing. The most beautiful and large specimens are caught here. This is because the North Sea is very deep and the cod like to stay higher. It is a starting point for anglers who first start cod fishing. Later you can always visit beautiful places like Norway.