Typically, the start of a new Year It is a time when people set new goals. Normally, we take some time to evaluate the aspects that can be improved, maintained or changed for the new year.
These projections include financial health care. For this reason, Experian recommends that before making any decision that affects your financial situation, you analyze your current situation and evaluate your options.
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In this sense, Sergio Rivera, Commercial Manager at Experian Peru, shares four recommendations:
- Evaluate your financial situation and possibilities based on your expectations: Before making any decision that changes our financial status, it is necessary to know what our current situation is. To make these decisions intelligently, it is important to know the status of our accounts, and our financial obligations to avoid getting into debt.
- Define a plan of objectives and goals: Once you know your current situation, it is important that you think about what you want to focus on. If your plan is to save for something specific, think about how much is the amount you have to set aside and what is the most comfortable period to save.
- If you decide to take a loan to pursue your goals, do so in an informed manner: Before choosing a credit, it is important to have defined what base amount we are going to request and for what. For this, you can analyze the credit options that the entities want to offer you, to choose the one that best suits you according to the amount, interest rate and term established for the payment installments.
- Have a responsible payment or saving behavior: Once you have your amount to pay or save per month, comply with it responsibly. Likewise, if you have additional income and decide to allocate it to pay the total amount of the credit or to save more, this is always useful to reduce the total value of the obligation or to achieve your savings goals in less time. of the planned
