#Steeven.™ Posted April 3, 2023 Posted April 3, 2023 Every family must have financial goals and to achieve them the key is in the savings of all its members at home and at work. Every family must have financial goals and to achieve them the key is in the savings of all its members at home and at work. Natalia Garzón, an expert in financial education at Mutualista Pichincha, advises that before you go out to buy food, take a list of the things you will need to buy. So you will not buy unnecessary things. Try to shop after breakfast or lunch, if you are going to buy food when you are hungry, you are likely to buy more than you should. Another advice from the specialist is to try to pay for your food and gasoline purchases in cash, so you do not accumulate credit card debt and you will be more aware of the expense made, because we must count the money. Analyze beforehand if the purchase you are going to make really needs it or if it is a wish that can wait. Do not buy on impulse, it is important to analyze the different product offers that the market has. Do not go shopping when you are not in a good mood, because in situations like this we are more likely to spend. Take advantage of discounts and promotions, nowadays shops offer a lot of variety. Garzón recommends allocating 10% of our income to savings, but if you have many debts, first get out of them and then start saving. Savings are used for everything, we can allocate them to have a fund that protects us from an unforeseen health or accident, from a change in the economic situation; to travel etc. You must allocate 10 percent of your income to savings. Put batteries If you see a discount or promotion, analyze them well before loosening your money. Discuss Family goals should be previously discussed with all its members. Be an example Transmit to your children the habit of saving and the correct management of money. Buy well When you go to the supermarket, always carry a list of the things you really need. Piggy Banks Acquiring one is a good start to establish the habit of saving in the family. https://www.eluniverso.com/noticias/2018/08/17/nota/6910445/propuestas-vencer-despilfarros-empecemos-ahorrar/
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