Finances Under Control

Christmas is probably the time of year when our personal finances can be most seriously affected.

mes de enero con la peor de las caras.

3. realiza las compras de manera anticipada. Puedes aprovechar los especiales que colocan las tiendas a finales de noviembre y principios de diciembre, siempre y cuando tengas claro lo que necesitas. realizar compras focalizadas te ayudan a ahorrar tiempo y dinero.

4. emplea la creatividad y aprovecha las ferias. realzar el arte y a la vez apoyar a las personas que de manera artesanal realizan sus productos, también en una buena forma de generar ahorros y realizar regalos diferentes y personalizados en navidad.

“Dad por gracia lo que por gracia has recibido” (Mateo 10:8).

Antes que una mujer de ciencia soy una mujer de dios. Él, en su infinita misericordia, nos regala tanto que este y todos los meses son propicios para dar a los más necesitados un poco de lo que nosotros por gracia hemos recibido. Será una de las mayores satisfacciones que recibirás it is no secret that during this season, businesses work their best persuasive tactics… into which most of us fall, many times without noticing. With this I do not mean to say that it’s bad to shop, enjoy, share, celebrate or travel, but i always recommend that before spending you ask yourself this question: “do i want it or do I need it?” With this simple filter you can avoid falling into excesses that later become debts. Follow these simple guidelines in order to keep your finances in check this holiday season. even if you have an annual budget, i recommend reviewing and readjusting the months of november and december as the outlook may change. define the amount of your savings and expenses. Let this be a guide that you will consult and use once you receive the income.

1. Plan out your savings and expenses.

2. Control the use of credit cards. Go debit instead of credit. Most people regularly spend all their cash and end up raising their credit debt, which leads to a very stressful January.

3. Make purchases in advance. Take advantage of the specials offered by stores at the end of november and beginning of december. As long as you’re clear on what you need to buy, making targeted purchases helps you save time and money.

4.Use creativity and take advantage of special fairs. Promote art and at the same time support the people who crafted the products. This way you will not only save money, but also be able to give more personalized and unique Christmas presents.

“Freely you have received; freely give.”

(Matthew 10:8).

Before a woman of science, i am a woman of God. He, in his infinite mercy, gives us so much, that it is only logical that during this, and every month, we give to those in need some of what we have received by His grace. it will be one of the best satisfactions you will receive.