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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

Extra income: realistic ideas to earn more

Freelance and hourly jobs Freelance work allows you to generate additional income by offering specific services without fixed commitments. This modality gives you control

Utility

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Health

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

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

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

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

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.