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

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 prepare financially for the holidays

Budgeting gifts in advance Budgeting gifts in advance means defining how much money you'll put toward gifts before the holidays hit. This practice

Utility

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Health

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

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

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

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.

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

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