The-power-of-progressive-savings-starts-with-little

The power of progressive savings: start small

What is progressive savings Progressive savings consists of

Highlights

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Economy

How to use cashback and points to your advantage

What is cashback and how it works Cashback is a percentage of the money you spend that returns to your account, working

How to negotiate your debts and pay less interest

When and how to contact the creditor Contacting the creditor is most effective when you have not yet fallen into serious default. The best moment

How to prepare a financial plan for the year

Reviewing the previous financial year Reviewing the previous financial year allows you to identify spending patterns, evaluate decisions made and detect opportunities for improvement.

Utility

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Health

Financial control sheet: how to put it together yourself

What columns to include in the return An effective financial return needs four essential columns: date, concept, income and exit. These four structures you

What to do with the bonus or annual bonus

Paying high-interest debts Using the bonus to pay off expensive debts is the smartest financial decision you can make. The cards

Save without realizing it: automate your finances

Set up automatic transfers Setting up automatic transfers is the most effective step to save effortlessly. You just need to schedule a recurring move from your

Purchases in installments: when it is convenient and when it is not

How to Calculate the Total Cost in Installments Calculating the actual cost of an installment purchase means adding the initial price plus all of them

Personal finances and mental health: the hidden connection

How financial stress affects health Financial stress causes elevated cortisol, sleep disturbances, chronic anxiety and cardiovascular disease. The worry

Finance as a couple: how to organize money together

Models of financial organization as a couple Organizing money as a couple involves choosing a model that reflects the reality of both. Does not exist