TIPS FOR OVERCOMING THE JANUARY SLOPE

December is the month of the endless expenses, The Christmas season is perhaps the time of greatest expenses in all homes: family events, gifts, secret Santas, lotteries, activities, extra meals and a long etc. Let's see how successfully overcome the January blues.

WHAT IS 

After excessive spending during the Christmas season makes the month of January a little difficult to face since our economy has been greatly diminished.

The difficulty we face regarding upcoming expenses in January is what is called the January slope, which is one of the most difficult months to make ends meet.

TIPS FOR ARRIVING IN GOOD TERMS

√ Review expenses 

It would be advisable to write down your expenses week by week or month by month so you know exactly what you are spending your money on.

√ Eliminate unnecessary expenses

It is good to pay attention to the ant expenses, These are those that at first glance are small amounts but added together can make a big dent in our economy.

√ Avoid having debts

Try to create as few debts or loans as possible. Although they may initially seem manageable, if we give in to the temptation of accumulating several in the belief that we can pay them off, the time may come when the total sum is so high that we cannot afford it.

√ Prepare budgets

By writing down your expenses, you can evaluate what is allocated to each section, whether it is housing, food, personal expenses, etc. This way, it will be easier to prepare a prior budget to plan your expenses before making them.

Knowing the periods when expenses are higher, it is good to avoid unnecessary expenses accumulating during those months.

√ Be responsible with expenses

Before you go on a shopping spree, shop smart.

♦ Weighing the need. Think about whether it is something essential or just something temporary.

♦ Compare prices. Before buying, compare prices and look for alternatives.

♦ Discounts and promotions. Take advantage of the offers and discounts.

♦ Review habits. Look at the small actions that could save you money, for example not having the lights on when you are not in the room, low-consumption light bulbs, turning on the tap just when you need it and not using a strong flow, using the heating and air conditioning efficiently.

Think about how much money you spend on those phantom expenses that we make without realizing it: how many coffees we go out for, how much we spend on sweets... and if we add up over a month how much these petit expenses amount to? Maybe we'll be surprised and reconsider the dent they make in our family economy.

Use high-consumption appliances sparingly.

Another tip is to use energy-efficient appliances. Although the initial cost may be higher, in the long run it will help us save on consumption.

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This is our contribution to make January's slope easier go from hill to valley.