Top tips to improve our financial health this 2022

 Starting a new year is an opportunity to make new resolutions and start with everything. Almost all of us focus on things like exercising, improving our diet, learning a new language, or playing an instrument, but it is also the ideal time to improve our financial health because when it comes to personal finances, every decision we make reinforces a habit

 In our case, many Banglasedhies are used to writing down our fixed expenses in a notebook or filling our wallets with purchase receipts with the firm intention of keeping track of our money, however, many times we forget to write something down and that destabilizes our finances.

 There are those of us who keep our expenses in an excel table and also those of us who do not try to save and have little control over our finances. The good news is that it is never too late for us to start the year with everything, and 2022 is the perfect time to learn to take care of our expenses and improve our finances. 

 Here are some tips to improve our financial health:

 Make a budget. Having a plan considering income, expenses and savings will allow us to better manage our finances in a more efficient way, we will be able to avoid red numbers and it will be easier for us to achieve our goals. 

1. Make a budget. Having a plan considering income, expenses and savings will allow us to better manage our finances in a more efficient way, we will be able to avoid red numbers and it will be easier for us to achieve our goals. 

2. Save at least 10% of our salary . Saving is always important not only because it will help us to be prepared for any unforeseen event, but also because it will help us achieve our financial goals in the short, medium, and long term.

3. Use a digital tool. Technology plays in favor of those of us who want to take care of our financial health. For example, the BBVA app is incredible for helping us achieve our goals because:

• When calculating our interests, we can see and choose how much interest we will pay according to the amount we pay on our credit cards.

• We will be able to know in which categories we have been spending or in which money is going: (health, entertainment, shopping, home, etc.) to locate if we need to make any adjustments.

• We can also enter an amount that we do not want to spend, to have our daily expenses under control.

 2022 is the year to improve our financial health, increase our savings and meet our goals. 

 Taking care of your expenses can change your life!

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