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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

Ant expenses: the little thieves of your money

What are ant expenses Ant expenses are those small and seemingly insignificant purchases that you make daily without thinking too much. A

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

Free apps to control your money

Top financial control applications The best free apps allow you to see all your expenses in one place, create personalized budgets and

Credit cards: allies or enemies of your finances

How revolving credit works Revolving credit is the mechanism that is activated when you do not pay the total of your bill

How to stop living up to date with your salary

Understanding why you spend your entire salary The main reason you spend your entire salary is lack of awareness about

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.