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 control supermarket expenses

Making a list before buying Making a list before going to the supermarket is the most effective way to avoid unnecessary expenses

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

Utility

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Health

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

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

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

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

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