How to stay financially fit in 2020?


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Whether in good times or in crisis, many people need to learn how to save money. After all, who wouldn’t want to close the month in blue and still be able to keep an emergency reserve?

But what is the best way to save money? This constant pursuit is legitimate, and it has nothing to do with being stingy – or, in more popular language, being “hard bread.” After all, our relationship with money extends to other walks of life, and the desire for a better life is to pursue a balanced financial life. If raising income is a challenge that requires more time and effort, the quick way out is to understand how to save money on a day to day basis.

In order to reach this level and achieve a safer and more comfortable financial situation, it is not necessary to exaggerate spending restraint and become a true Scrooge. The secret, really, is to be organized. You must keep track of your finances and act strategically to ensure that your money lasts longer and is spent consciously.

To help you in this process, we have created this interesting text, which presents 6 tips on how to save money. It’s a guide full of cool and practical ideas, with tips for saving money.

Tips to improve your finances

  • Escape from installments – Of course, installments have their own advantages and in some situations they are inevitable. But the best way to have a healthy financial life is to leave them for when they are just that: inevitable. Anything other than a house, a car, or more expensive equipment, you can try to collect the money you need and buy it in cash. So you don’t create a new debt, run away from abusive interest, and still feel great with a brand new and totally your product. It may be difficult at first, but gradually you will get used to it.
  • Track your card bill – Credit cards are great but also dangerous. Fortunately, every bank today has the tools to quickly and easily access accounts and invoices, such as internet banking or SMS notifications, so you can maintain greater control over your spending. This is a good innovation to keep the track where the money is going, and also for security reasons: imagine if your account is fraudulent and you only realize at the end of the month?

And this is true even for those who don’t have a credit card! Whether its credit or debit card, it’s always good to be aware of the values in the account. It also avoids duplicate payments, machine errors, and overall headaches. So if you need to request a chargeback, everything will be resolved much faster – and no surprise overdraft.

  • Get Organized – It’s not just banks that help to keep track of what’s going on with finances. Systems like Organizze were developed precisely to help with this aspect of your life. Through an attractive, user-friendly interface, Organizze separates, categorizes and demonstrates your spending and profits month by month. You can track exactly where the money comes from and where it goes. You can list debts that have already been paid and debts yet to be due, set goals, set alerts, produce intuitive reports, and more. So you can manage your finances quickly and without bureaucracy, both on mobile and desktop.
  • Set Goals – The biggest motivator behind any changes in our habits is the goal. If we have a purpose, however big or small it is, we have a greater inspiration to act. You may want to change cars, buy an apartment, save for your children’s higher education, and take a dream trip or even smaller goals, such as buying a new computer or mobile phone. Once you have decided where to go, you just need to define the way you will go: how much per month you can save and what types of spending can be abandoned.
  • Create an emergency fund – You can’t survive adulthood without an emergency fund. In order to move forward with your plans and goals you first need to set aside some of your money for situations of need. It may take a while for you to start saving for what you really want, but it is much better to act without fear. Moreover, when we talk about our family, it is very difficult to risk. With an emergency fund, you will be prepared for financial contingencies so you can avoid inconvenience and a possible loan application.
  • Control the waste – There is no better place to waste money than the supermarket. Those who have a habit of monthly shopping are need to be aware of not to overdo it. Often, some products eventually expire and are thrown away without even being opened. If you still prefer to shop monthly, try to list everything that is actually consumed over 30 days in your home. There is no need to buy everything in order not to miss, but there is no need to extrapolate. On the other hand, it is also a good idea to change the buying mode and do it weekly, which allows greater control and reduces excesses for fear of missing later.


So, with the help of technology, patience, and willpower, your financial goals will be within your reach in much less time than you might think. Be sure to start soon, plan and change your habits right now to lead a stable and healthy financial life.


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