As we well know, the payment of utilities It is an obligation that certain Business of the private sector, which although they vary in terms of percentage depending on the sector of the same, every worker who is in spreadsheet must be considered for their distribution.
In view of the deposit of this benefit in the coming days, Experian gives you three useful tips to take advantage of this “extra income” in the best way.
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- First things first, pay off debts: Identify what your current financial situation is and make sure you have mapped any payment commitment you have, so that this is the first focus when receiving this benefit. By using tools such as the My Sentinel credit report, you can check your credit score and find out if you are up to date with your accounts payable. enter here and get it for free. This tool will also allow you to know if you have a namesake that registers pending payments, so that you can verify the information and approach the corresponding bank or financial institution to request a rectification or claim.
- Choose to save: Allocating a percentage of profits to savings, after paying your financial commitments, may be one of the healthiest actions to take. Saving means that you can face unforeseen events or even plan a good vacation when you need it most. In this sense, defining savings goals, after building your monthly budget, will help you visualize how far you want to go and what you want to achieve with your funds; This will keep you motivated in the short and long term.
- To invest: Whether in education or in your own business, investing will always be a good option when you receive extra income. Depending on the amount you receive, you can consider taking a short specialization course that seems attractive to you, as well as investing in a business or small enterprise. Before doing so, you should analyze if it has the possibility of being sustainable over time, so that you can even see positive results in the long term.
Remember that your total monthly accounts payable, in theory, should be less than 35% of your income; If it were the other way around, you can choose to develop a monthly plan that allows you to make your income and expenses visible. Take these tips into account and encourage yourself to take control of your finances.
