• The New Year’s shopping dates have arrived and it is necessary that you know how your financial situation is so that you do not live with serious financial problems.
• Do not buy without rhyme or reason, always make a personalized financial budget beforehand and comply fully with it.
Mexico City, November 8, 2021.– How are your personal finances? Prestadero, the first community of loans between people on the Internet in Mexico, invites you to answer a short questionnaire to find out the situation in which you find yourself with respect to the management of your money.
During the first months of the Covid-19 pandemic, the population chose more to save, however, time passes and as they remain in confinement, physical and online purchases increase. Credit in Mexico experiences significant growth, as a consequence of this forced closure –although we are on a green traffic light–, credit expansion by department and retail stores, since real wages experience recurring losses in purchasing power, says Gerardo Obregón, Founder and CEO of Prestadero.com.
The New Year’s shopping dates have arrived and it is necessary that you know how your financial situation is so that you do not live with serious financial problems. Through reflection on the following actions, you will be able to evaluate or measure your knowledge and attitude towards your finances and it can even reveal certain aspects of your personality on the subject.
Reflect on these daily actions that you consider most describe you in relation to managing your money. Honestly answer this questionnaire:
You have a personal plan for your finances.
You meet your financial commitments on time and in good shape or
You spend more than you earn.
You first separate the amount you are going to save each month before spending.
You make a list of what you need when you go shopping or to the supermarket.
You look forward to the promotions that you saturate with purchase tickets like in El Buen Fin.
You spend on products or services that you don’t need but want, even for months without interest.
You have more than two credits, that is, two debts that you must pay at high interest rates.
You have your cards at the maximum credit limit and you only pay the minimum. You notice that the interests are eating you.
You have a little deposit or investment that will get you out of an emergency
Banking institutions, friends and family offer you money on loan all the time because you are a good payer.
You contribute money for your retirement.
You and your family live calmly without surprises because they fulfill their financial obligations.
After answering yourself, and if you do not have a personal budget according to your circumstance, then it is time for you to put your personal finances in order, because it will always be better that you have healthy finances to face any eventuality and avoid that you find yourself in financial trouble.
Obregón concluded: We begin the last two months of the year that are generally full of many expenses, it is recommended that you do not load your cards and comply with all your financial commitments so as not to saturate yourself and throw the rope around your neck, since the January cost it is expected steeper than ever.
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