Some people went through difficult times at the end of 2022 because they had little income and had not saved to pay for the stamp, the expenses of a few days of vacation, and gifts from their loved ones.
In addition, there are those who take advantage of the first weeks of January to buy school supplies, clothes for the whole year and renew certain subscriptions to computer programs that they need in their day to day.
For that reason, December and January always bring important expenses that make us think: How can I pay for all this? How did I not think ahead and take action? Why didn't I save time to cover these needs?
Due to this lack of planning, there are those who ended the year more in debt than ever and extremely stressed about their economic future and the safety of their family.
The truth is that most people have little or no financial education, and when they receive money they spend it without thinking about the commitments and responsibilities that lie ahead.
Hence, at Coopealianza we always recommend to our associates and clients:
- Learn about personal finance continuously.
- Make and comply with a monthly budget that includes at least income and fixed expenses.
- Identify and eliminate the famous "ant expenses".
- Have an emergency fund with the equivalent of what you would need to sustain yourself for two or three months without work.
- Open a savings account or an automatic savings plan that permanently debits a percentage of your income.
Savings plans in Coopealianza
As we have already said in other blogs, saving allows you to achieve goals, face unexpected situations and emergencies, and also helps improve people's quality of life in a sustainable and progressive way.
For this reason, to change history and end this 2023 without going through the anxieties of last year's end, we suggest you prepare in advance and start saving now.
At Coopealianza we have:
- Demand Savings (in colones or dollars).
- Installment savings.
- Fixed Term Certificates.
Savings designed to improve your future
we have the plan Easy savings in colones or dollars. Through this savings you will be able to make your investment systematically, with monthly installments, deducted from payrolls, automatic cancellation or SINPE. In addition, you can make extraordinary deposits whenever you want.
With this format, you can plan any activity or obligation that has a future such as:
- Christmas savings, voluntary and systematic, which may be agreed in monthly installments. This savings will allow you to create a fund to meet needs such as Christmas gifts and, in the case of being a merchant, it allows you to deposit the provision for the payment of Christmas bonuses.
- Marchamo Savings, also voluntary and systematic, generally agreed in monthly installments, which will allow you to create a fund for the Marchamo Payment.
Contact us immediately if you have any doubts and avoid headaches, betting on your financial freedom throughout this 2023.