To start their life as a couple with the right foot, to read these basic recommendations and incorporate them into your financial habits. They will draw them more than one trouble!
1. Communication: The Base
Your partner and you have commented about what everyone wants: the House where they live;the children that are going to have; furniture, travel, etc. Before that nothing is important to make together a financial plan to achieve these goals: how to go each; who will bring more; What will happen in the event of maternity, accident, or separation.
2 Saving Little By Little
Once both have clear targets; start saving to get them. Try not to spend 5% to 10% of their income. It is essential that they be disciplined to save; because they can build sums of money even though their income is modest.
3 Learn To Use Cards
It is recommended that only one of you has a card, while the other has an additional. Thus will prevent the payment of the annuity and commissions. In addition, it is better to pay off the full balance rather than the minimum.
4 Take Care
To buy what they need, use credit cards only in the case of months without interest.Otherwise, a monthly interest of 3% can be increased to 50%.
5 Ensure The Education Of Their Children
If you plan to have children, think how many are going to have in your college education. In the insurance market, there is a wide variety of plans according to your income and how much you want to save. Contributions can be from 500 pesos a month. In the event of death or incapacity of who makes contributions, insurance will cover these so that the child receives at the end of the period contracted by the parents.
6 Provide For Retirement
While they are a young couple and they begin a life together, they must ensure their old age.The Afore is a good type of investment. These plans have the advantage of being deductible tax and may reach rates with an interest just below which give Cetes and the stock exchange.
7 Invest In Banks
Banks offer different investment plans for those who have little initial capital. You can deposit from 5 thousand to 10 thousand pesos. At some banks invest money in Cetes or at the Bolsa Mexicana de Valores. They must verify the benefits and requirements of each bank offers.
8 Invest Fixed-Term
In this type of investment, it is possible to select the time that will be that money, which may not dispose of it. To beat the deadline, can be reinvested automatically, but they can also be Remove accrued interest or all the money. Similarly, the opening varies between 5 thousand 10 thousand pesos.
9 Have Bank Accounts
A way of having your savings easily is through bank accounts. In addition, they may receive a debit card international, according to the plans offered by the Bank.
10. The Unforeseen Beware!
Count on life, medical and automotive expenses insurance would seem a cost extra or unnecessary; but in the event of an unforeseen event, you will not lose the savings that have been accumulating.
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