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 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.

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

Utility

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Health

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

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 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

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

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

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