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Ahorro: más que una costumbre un estilo de vida

Ahorro: más que una costumbre un estilo de vida

La sociedad está cambiando, cada vez son menos las personas que incluyen el ahorro en su cotidianidad; el día a día exige cada vez más gastos y esto se convierte en la principal excusa para no lograrlo.Ahorrar dinero y crear un fondo de ahorro para suplir gustos y necesidades, es tal vez una de las principales metas financieras, pero debido a las diferentes obligaciones, con el paso del tiempo este sueño va quedando en el aire, sin materializarse.Son múltiples las excusas y circunstancias que permiten justificar el por qué no ha sido posible ahorrar, pero la buena noticia es que también existen diferentes alternativas que al ponerlas en práctica de manera correcta, permiten, sin importar las circunstancias, alcanzar esta meta financiera, ya sea personal o en familia.Para esto la primera recomendación es dejar de lado el pensamiento de que el ahorro es una obligación, y tomarlo como un estilo de vida, de esta manera será posible incorporar las diferentes actividades cotidianas hacia la meta: el ahorro.Una vez se haya tomado conciencia sobre la importancia del ahorro y se vea como una actividad voluntaria, será más fácil implementar acciones como las compras inteligentes, armar menús semanales con base en las ofertas de supermercados y restaurantes, entre otras acciones que se ajusten a cada persona.En segundo lugar, como toda meta, el ahorro necesita una estrategia para lograrlo, y en este aspecto existente diferentes opciones, lo importante es elaborar un plan que se ajuste a las necesidades y características de la persona.Sin embargo, existen algunas sugerencias que pueden ser tomadas en cuenta y ajustadas según se requiere, y que pueden resultar de gran utilidad en la implementación de la cultura del ahorro; una de ellas consiste en hacer uso de los servicios de transferencia automática bancaria de la cuenta de cheques a una cuenta de ahorros cada mes.Otra estrategia, que resulta muy eficiente, es solicitar al empleador que cada vez que se haga un pago, deposite un porcentaje a la cuenta de ahorros; otra recomendación se refiere al uso de las tarjetas prepagadas, las cuales permiten tener un control sobre los gastos y de esta manera se pueden reducir las compras innecesarias e iniciar con el plan de ahorro. Otro aspecto importante para tener en cuenta es que las metas que se fijen deben ser realistas y alcanzables, basados en la realidad financiera, pues de nada sirve plantearse metas imposibles de cumplir, que en vez de motivar resultan generando sensaciones de fracaso, y de esta manera generan que las personas en la mitad del proceso renuncien al sueño.
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The Most Common Mistakes in Personal Finances

The Most Common Mistakes in Personal Finances

We daily get to know several tips to take into account to carry suitable finances, but from what the less is talked about is what should not be done.As with all processes, there are successes and failures and there is not an exception in the management of finances. That is why we recommend taking into account these aspects to achieve an economic plan that fits each person.In this opportunity we present some of the most common mistakes, in which society incurs in its desire to achieve its objectives and goals:1. Exceed the expenses without taking the income into accountNot having clear the total amount of the monthly income is one of the main reasons for failure. Although it seems strange, many people are not clear exactly of how much money they receive which prevents them from having control over their money for investments and expenses.But just as there are those who do not know their income, there are other people who do not control their spending, consuming without measuring and spending more of their income. That is where a breakdown occurs in finances for spending more than what you are receiving, creating a financial gap month after month and leading to serious problems in the future.2. Unnecessary purchasesAll people at some point in life have bought something they have never used, which is not bad, but repeating this practice can often fill up your spaces with unnecessary elements and acquisitions and your economy with debts.This is why it is recommended to think before buying. The impulses in this aspect are not the best allies, although at this point it is important to clarify that one thing is the luxuries that we should be given from time to time and another thing is the compulsive shopping.Referring to the first point this is necessary to satisfy and motivate, but they must be done with responsibility, not to fall into impulsiveness. Asking questions before the purchase such as: Do I really need this? For what and when will I use it? Is this my priority at this moment? can be a great convenience to have healthy finances.3. Not Saving upNowadays, most people spend their entire income on personal care, food, technology, clothing and recreation, which prevents them from thinking about saving part of their monthly income for the future.For the different variations in the economy, thinking of saving up is something that is not planned, but it is important to know that it should not be too much savings that implies to pass needs. We should save up part of the income, which in the long term will become an exit wildcard for an investment or the payment of a debt.Experts recommend saving 10 percent of the monthly income, to achieve a better management of finances.4. Not having a plan BAiming and being confident of a single source of income is perhaps one of the most common mistakes, since income is usually expected from either the salary, when they are employed, or from independent businesses. We have to take into account that the economy is in constant changes, no one is exempt from being unemployed or suffering a crisis in their business.In situations where this happens, people do not count on other incomes and expenses continue, which causes debts to increase and finances to fall.Having several sources of income is a wise choice, which will not only increase incomes, but also have alternatives in times of crisis.5. Postpone paymentsFailure to comply with the payment commitments on time is a serious mistake because over time the debts will accumulate, the income remains the same, and it’s almost impossible to respond to those obligations. Deferring a payment from time to time is not bad, because there are circumstances that compel it, but to do so several times and for an extended period, can be a cause of financial crisis.
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What you should ask yourself before asking a credit?

What you should ask yourself before asking a credit?

- What is my monthly payment capacity?- How much of my monthly savings do I have to my disposal in order to pay the credit?  - What are the payment plans available? - Which one is the most suitable for your payment capacity? - How much is the fee? - What is the interest of the loan? - What is the effective annual Interest rate (EAIR)? - Is there any other amount to be paid associated to the credit, like social fees, insurances, pay slips and statement post, management expenses on cash in hand loans?- When do you have to make the payments?- What is the minimum payment allowed per month?- When is the deadline of the credit?- Is there any grace period?- What are the fines for delay payments or omissions?- Is it required some kind of warranty?- What are the terms and conditions of the credit?- What else is among the clauses of the credit?Pay Date:Most of the credit types you accept are determined by a payment plan or program expressed in monthly amounts and dates. In case of delay or no payment, the credit holder has to pay an additional charge or/and a penalty fee. The penalty fees and the arrears sanctions intend to compensate the damage it generates to the creditor because of the debtor not paying the money on the date agreed. This situation increases the credit price and it is for sure not recommendable.If you have problems paying a credit, it is very likely that you have asked for a credit which payment amounts are above of your income availability or disposal. If you continue having difficulties solving the debt you have, contact the financial institution you got the agreement and try to find with your creditor alternatives and mechanisms suitable with your payment capacity. This way you may try to find ways to not increase the problem and therefore the penalty fees and charges. It is very important to show your creditor a will to pay.
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Tips How to manage money

Tips How to manage money

Stewardship is the way how we manage and take care of our money. You can protect it by giving it an adequate management, doing savings and smart investments, etc. Beware if you do not take care of your money because it would be sure gone from your side.Seedtime principle: many people do not understand much about this and that is why they do not pay much attention. Everything you seed is harvested. Have you seen that many of the richest men in the world are also the biggest philanthropists of the world? If you use the money for sharing with others, be sure you will get more in order to keep helping more people.Expenses diary: having an expenses diary means a control of all, you heard well, all expenses you do every day. Practice this exercise at least for a complete month and check which small money leaks could exist in your pocket.Emotions: when it is about spending, watch out, don’t do it with wrong emotions. There is nothing more dangerous regarding how to manage money than having a credit card balance and being extremely emotional. Either very happy, or very angry or sad. Furthermore, being at the shopping center for sure always ends up in unnecessary purchases that you have to pay eventually.Take Advice: when is about investing in something, the best is to take advice from an expert. We usually pay a lot of attention what the news, friends and neighbors say, but is a fact that none of them are experts on the field. If you have some money and want to invest it, take advise from an expert.Pay yourself first: try to save a 10% from your income that will be intended only for you. Do not spend it and save it or invest it. Do this every time as first instance when you get money. Most of the people don’t do this and therefore, spend all of the money received.Planning: make a budget and keep in mind what are your expenses and income. This way you could do a financial planning, but especially you may understand the present situation of your personal finance. This will help you to make better decisions about how to manage money.Supermarket: when you go to the market, do it after lunch. Remember: full belly, happy heart and this will avoid unnecessary cravings because of hungry. Watch out with big sales and bargains. Remember that everybody in the supermarket wants to sell you something.Be creative to make money: we already said: in a world of uncertainties, the best choice is to be creative and learn how to set multiple sources of income. Know how to deal with money and earn it from different ways. This tip maybe the most important: don’t just depend only from a single source of income.Invest in yourself:  We always are looking in what to invest. My main advice about how to manage money is this: Invest in yourself first. You are the best investment and what I mean is that the more you develop your financial intelligence, the more possibilities you will get. Study, read, and listen everything you can about personal finance and investments, etc. The results won’t take long to come out.If what we need is small amounts of money, a personal quick loan has lots of more advantages than other credit options. Among those advantages, we found quickness at the time of the time of being granted as well as paying it back, especially if it is a personal loan on the internet, due to the lack of paperwork.People with problems at the credit bureau have many more chances to get an immediate loan than a bank loan. The methodology used by the banks to verify your credit records usually involves even social networks and friend recommendations. Beware, immediate loans also have requirements but not as tough as the commercial banks.
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What is a credit?

What is a credit?

A credit is a money loan to a person or entity committed to give it back in an only payment or in a gradual way (in certain time installment payment). Usually a credit is agreed to an interest that compensates the credit lender for the time that he or she does not have that money available.Why is a credit Important?The credit, in best of the possible conditions, is the path to fulfill your goals or helping you out in a difficult moment or unexpected problem. It is probable that you are already disposing of a credit, either it is through a credit card or a loan. Learning about this powerful tool allows you to use it better and enhance your quality life.  A well-managed credit could make that dream that seemed unachievable become truth.A credit also could be a strong enemy for those who don’t know how to handle it responsibly, also for those who don’t make an expenses plan according to its own reality, or those who don’t develop and keep a suitable behavior to preserve its own financial health.The importance of credit accessibilityThe credit allows us today to access to the things that would take us months or years to get. In the modern societies, basically there is not relevant consumption without credit, and definitely credit is symbols of social and economic development. It can be a very convenient way to do all kinds of purchases: from the simplest and daily needs like food or clothing, to the more complex and advanced goals like a house or a car. Learning about credit operations, like credit cards, loans, or purchase orders, can help you out to decrease costs and avoid getting more credit beyond the appropriate. 
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