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5 steps to improve the financial education of your home

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發表於 2024-3-9 12:42:35 | 顯示全部樓層 |閱讀模式
Something that we are all clear about is that being familiar with some financial terms does not help much at key moments in our lives such as when we decide to take out a mortgage to purchase a home. Knowing these terms and aspects of the financial world is what is called financial education and, currently, having knowledge of it is essential. That is why below we explain how to improve the financial education of your home with 5 simple steps.

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What is financial education?
Financial education is a series of concepts and resources that help us understand the financial world and know how to manage our capital in the best way, making us more financially solvent.

It is obvious that money plays a fundamental role in our lives and, therefore, it would Chinese Overseas America Number Data be normal for us to have been educated in financial terms in order to enjoy greater economic freedom . But, as you already know, this is not the case, since a large majority of the population, both young and old, is not financially educated. It is for this reason that many people generate debts, default on payments, do not make ends meet or do not know how important it is to save for the future. The best thing is that this discipline is instilled in us from a young age with simple concepts and tricks to be aware of the importance of knowing how to manage our finances well.

In addition, financial education helps us save more easily and provides us with tools to understand issues such as how payroll works, the taxes we pay or the effects of economic policies on our personal financial situation.

Recommended reading:   What is double mortgage guarantee and how does it work?
Improve your financial education with these 5 easy steps
If you don't have much information about this area either, but you want to expand your knowledge and learn more about financial education, below we give you 5 simple steps to improve financial education in your home.

Set savings goals
In order to save successfully each month, it is advisable that you establish savings goals. These goals will help you motivate yourself to be able to save the amount of money you want and with them you can establish a habit of saving every month.

To do this, you can use the 50/30/20 savings rule . This rule consists of allocating 50% of your monthly income to basic household expenses, 30% to expenses that you can do without, and 20% to savings.



The payment of your debts cannot exceed 35% of your monthly income
One of the key rules when we are going to request a loan is that the amount that we will have to pay monthly to repay the amount does not exceed 35% of our net income each month . This is because if the expenses to pay a debt are greater than 35%, it will be easier for non-payments to occur or not enjoy economic freedom to carry out other activities during the month. Thus, it is best to respect this rule if you are going to apply for a loan. To know how much you will pay, for example, for a mortgage debt, you can calculate the mortgage payment and clear up any doubts.

Savings, at the beginning of the month
It is advisable that the amount we want to save per month be deposited into a bank account or saved before spending it during the month. A trick to put this into practice is to schedule a periodic transfer of the amount you want to save at the beginning of the month. Thus, the savings will be automatic and you will not have to worry about doing this management.


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