¿Cómo diseñar correctamente un presupuesto para ahorrar?

How to correctly design a budget to save?

Save money. A budget ensures us to have a direction towards the achievement of a financial goal and eliminates improvisation in spending, they point out from Caja Piura.

Preparing a budget is a task that most Peruvians do not perform despite being a useful tool for managing money and saving, explained Óscar Vílchez, northeastern regional manager of Caja Piura.

READ: How much should you save according to your age?

“A budget assures us that we have a direction towards achieving a financial goal and eliminates improvisation in spending, which has a negative impact on the personal or family economy,” the spokesperson explained.

This is better understood by the people of Lima, Arequipa and La Libertad, regions where more savings accounts are opened, according to Caja Piura. On the contrary, the departments with the least saving culture are Huancavelica, Tumbes and Amazonas.

The Caja Piura executive pointed out six steps to prepare a budget and save each month:

1. Set a realistic goal

Establish what you want to use the money for, for example “down payment to buy my apartment”. Be clear about the amount you will need to raise and how long you intend to achieve it.

2. Make a list of your fixed monthly expenses

List payments that recur every month, such as: food, utilities, college or university tuition, transportation, and health. Take this time to discuss what expenses you can reduce or eliminate.

3. Consider variable expenses

Although they are amounts that are not repeated every month, a frequent mistake is not anticipating them. “Savings help to have an emergency fund to face unexpected variable expenses when they appear as an accident,” says Vílchez.

READ: Six techniques to save a little money each month

4. Set a monthly savings amount

Many people only save if they have money left over, and sometimes that doesn’t happen. The key is to prioritize saving first and then dispose of the remaining money by adjusting for variable expenses.

“Consider saving in a financial institution supervised by the SBS with an attractive return and zero commissions”, for example “How nice it is that they don’t charge you” is a Caja Piura campaign to encourage customers to use the account of savings without charging a commission for maintenance costs, maintains Vílchez.

5. Split your money

A common mistake in entrepreneurs is to mix personal finances with business finances. You should have separate budgets for each purpose.

6. Record all your daily expenses

It will detect the famous “ant expenses”, amounts so small that we do not consider them, but if we add them up over a period of time they become important. For example, the sweets and drinks that are bought on the street daily and that could be replaced by a snack and drink from home.

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