- Identify the ant expenses. Make a specific list of the expenses you make and pay special attention to all those that, although they are small, reduce your savings.
- Recognize what do you really need? Recognize how much money you spend on things you don’t need. It is not about you being a stingy, it is about stopping spending on, for example, a new cell phone even when the old one works perfectly.
- Learn to use credits to your advantage. A credit is a financial tool that is not always bad, but you must consult a professional to use it correctly and that they do not grow like a snowball.
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