It is of utmost importance to make a financial plan in which these imponderables are planned.

The first piece you should put in the puzzle of your financial planning is the elaboration of an annual budget. This will help you get organized, set goals and stick to them. For example:

If you have already budgeted your expenses, be firm, don't succumb to the temptation to spend your savings for the month on that precious item that looks great on the dresser. Doing so will break your plan and subtract that money from the savings you could be saving for a nice vacation or a desired purchase.

Do not think that the only important thing is to work to spend and pay commitments. It is important to enjoy your income, but you must also think about the future. If you do not keep a monthly reserve, it will be impossible to face emergencies or to take advantage of the great opportunity to buy a house or a car.

Keep your credit history healthy. This is a wise decision that can be your best ally when you need a credit that will make us fulfill the dream of giving your family a better place to live.

If you have made a decision regarding the management of your finances, do not let yourself be carried away by other people's suggestions.

Respect your limits. If you have thought about how much you can spend on clothes or anything else you need to buy, don't go overboard. It is very common that while in the store you spend more than you had planned and even incur a debt.