Prioritize your household spending. Remember that before buying a product that is on sale, you have to analyze whether it really has any use in your home.
Laundry, designer clothes or the latest television should not be the main source of your salary. These are expenses that could lead to a collapse in your family finances.
The director of the UPC Graduate School , Manuel Chu, highlights the need to know your spending priorities in order to avoid financial problems.
In this regard, he says that a person's most important expense is related to housing and food.
But don't confuse breakfast, lunch kazakhstan number screening or dinner at home with going out to restaurants every weekend, which you pay for with your credit card.
"When we talk about housing, we are referring to the payment of services such as water, electricity, telephone, rent or mortgage," he says.
A second point that should be prioritized, according to the expert, is the health and education of all members of the household.
"The last thing we should give importance to is fun and vanity," he says.
TO AVOID... Jubitza Franciscovick, an economist from Esan University , says that it is not necessary to buy a state-of-the-art cell phone every six or twelve months if the one you already have fulfills the necessary functions.
For those who live alone, she recommends not hiring a person to take care of the house all day, "let them come twice a week for a few hours."
It is necessary, he says, to avoid cravings all the time; for example, an ice cream every afternoon or a chocolate at night.
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