TIPS FOR THE SLOPE OF JANUARY

How to lose weight on the ‘January slope’

December is a month in which the average consumption of families increases: meals with friends, gifts, family dinners... it is not bad to give yourself that kind of taste, the mistake is to allocate all or most of your Christmas bonus to these, leaving out other items that will allow you to improve your personal and family finances, such as paying debts and saving, when after spending it is time to face the dreaded "January Slope", it is A time that is traditionally characterized by the difficulty in facing financial commitments, specialists agree. However it is

OVERCOME THE JANUARY SLOPE

1.- Make a list of income and expenses. If you are not in the habit of putting all your expenses in writing, put income on one side and your expenses on the other on a sheet, it is the first step to take stock of our personal finances (how much do I have? How much will I spend? How much do I have left over?) 2. Planning is key to keeping your personal finances in order. We must set a total amount that we can spend, to later determine what will be used between gifts and celebrations. To better control your budget, as far as possible, pay in cash so that your

4. Never spend without budgeting or comparing prices. At this time it is common for you to get carried away by the promotions offered by all the stores, and given the feeling of knowing you have money, you can end up spending all your Christmas bonus without realizing it. 5. Look for alternatives: if you have debts, you should know that you can change creditors if the current one charges too high interest. Condusef recommends paying the current debt and changing to another creditor that allows you to have better conditions, either less expensive or more bearable.