A new year has begun and with it the opportunity to improve our financial health. And, if economic goals were not set in 2025, or they were not able to meet them, 2026 can be a great time to achieve the objectives.
To do this, Experian recommended first reviewing the credit history to detect errors, prevent fraud and understand how we are in the eyes of the financial system.
A good practice in this new year is to create a budget. For this reason, the company recommended using digital tools and artificial intelligence (AI) to organize income, expenses and project scenarios.
On the other hand, just as in our personal life, in finances it is also necessary to take stock of expenses and analyze which ones are unnecessary and we can eliminate them. Recognizing consumption habits allows you to plan more clearly.
We must also evaluate what sources of financing we will use this year. For example, if we are going to use credit, we must review the interest rate, the number of installments and the options on the market. “Avoid financing non-essential consumption,” they stated from Experian.
Meanwhile, it is necessary to organize our spending priorities and establish clear financial goals. In that sense, it is important to have an emergency fund, but also one that allows you to save money to study, invest, travel or purchase a property.
calmly
On the other hand, Diego Córdova from Alfin Banco considered that it is necessary to measure income and expense capacity before assuming new commitments, so that our economic stability is not affected.
In the same vein as Experian, it indicated that saving with a purpose is a good practice that helps reduce the temptation to spend money on impulsive purchases. For this reason, he stated that it is important to automate transfers to each fund as soon as you receive money, so that you maintain discipline without much effort.
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