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The power of progressive savings: start small

What is progressive savings Progressive savings consists of

Highlights

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Economy

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

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 reduce your electricity and water bill

Conscious consumption habits Changing small daily habits can reduce your electricity and water bill by up to thirty percent without sacrificing

Utility

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Health

Morning habits that improve your financial health

Review your bank balance every morning Reviewing your bank balance every morning helps you make more conscious decisions throughout the day and

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

The ABC of life and health insurance

What basic life insurance covers Basic life insurance financially protects your loved ones if you miss it. Covers

Emergency fund: what it is for and how to put it together

Why you need an emergency fund An emergency fund is money set aside to cover unexpected expenses without resorting to debt. You