I dare say that reducing expenses is one of the most important steps we must take if we make the decision to control our economy and use the money we earn to achieve a higher quality of life.
In Spain, the majority of people spend more than they earn, according to data from the newspaper El País in 2018, Spaniards have spent almost 15,000 million euros more than the money they have earned.
That is to say that the Spanish in 2018 have gone into debt, asking for loans of one type or another, for an amount that has almost reached 15,000 million euros and half of that amount, 7,500 million euros, was dedicated to consumption.
We all like to live as well as possible the problem is that if we spend what we do not have, or what is the same thing, we ask for loans to buy things that we want but most likely we do not need, we are left without the ability to respond to a possible crisis situation.
I am aware of how difficult it is to resist temptation and more when we constantly receive invitations to spend, also, if for one reason or another you do not have money you should not worry: you can easily get what you want by financing it.
If you start buying what you need, instead of everything you want, you will have taken a giant step and your personal economy will begin to notice it immediately, remember, spend your money on what you need not what you want, it is a simple formula and easy to remember: Buy what you need not what you want. If you follow it, your current economic situation will change radically.
Because it is all very well to succumb to a desire and to indulge yourself as long as this is not repeated and makes us a kind of tax servant of credit institutions.
We earn our money with effort, dedicating part of our time, however many people do not perceive that by being captivated by the advertising offers they become part of the group of people which do not decide for themselves.
The only way to achieve a fully satisfactory life is by owning our actions, acting like what we are, the only real owners of the money we earn. We can decide to keep buying and spending but our grandparents already said it: Whoever saves finds.
If you want to improve your economy, there are professionals willing to collaborate with you, informing you so that you are able to decide what is best for you at all times.
At SEL-DEK we work helping other people so that they can live more peacefully, they can give their children the best education, in short, so that with our support they can live a little better every day.
We are independent professionals and we work every day with a goal, to improve the economic situation of the people who ask us for help.