Establish a budget: if you recognize that during the month of december you spent too much, instead of worrying, take care of it. Establish a budget that will allow you to get by with the expenses you have day by day, without forgetting to establish a percentage to cover those possible debts generated in the month that just ended.

Increase your income: try to find an activity that will help you generate more income. In this way you will be able to cover expenses or, alternatively, use it for savings.

Family savings: just as the Christmas season is a time to share with the family, try to lighten the "cost" in the same way. Discuss and establish lines of action aimed at saving. It is important to remember that when it comes to family economy, the opinion of all members is important.

Credits: you can make use of your credits but in an intelligent way. Always consider your payment capacity.

Pawnshops: if you intend to go to a pawnshop, make sure that the institution has the necessary permits to operate, since you are placing your trust in it to take your belongings. Likewise, analyze if when the time comes for you to return your objects, you will have that capital, or if it would be better to renew it.

Remember that the "January cost" will depend on the good or bad management of your finances throughout the year, but mainly in the month of December. So get organized, plan and save.

Translated by: A.M