😍 2022-10-01 19:47:00 – Paris/France.
A coffee in the morning, cookies at lunch, a soft drink during the meal, a snack in the afternoon or even a tip in the parking lot are small sums of money considered "ant expenses", but this does not are not the only ones: there are other concepts that have recently acquired greater relevance due to the large incomes that people devote to them. This is the 'digital expenditure of ants'.
Some are audiovisual content platform services via the Streaming, subscriptions of video games, restoration services or acquiring more cloud storage.
According to a study by The Competitive Intelligence (The CIU), Mexicans use an average of 14 pesos a day in digital spending and expenses, an amount greater than the 5 pesos a year that could be used for concepts such as savings. or investments.
According to this organization, more than 11,1 million Mexicans have a subscription video-on-demand service.
reduce savings
"These types of expenses are made in the ordinary way and can have a negative effect on finances, as they greatly reduce the ability to save and when they get out of control, they are a reflection of poor financial management which, in the long run term, can represent significant liquidity problems and reduce a person's opportunities to access new and better financial products," explained Moisés Márquez, data and models manager at Rocket.la, a platform that provides free financial advice with the aim of promoting inclusion and financial mobility.
“These are resources that can be used for other purposes. The important thing is to identify them and avoid saturated with products that later generate big expenses and have a negative impact on our economy,” added the data and models leader of Rocket.la.
Given this, he suggests considering the following recommendations to inhibit digital ant spending.
• Periodically review application usage. Sometimes some applications are little used and consume an expense; It is recommended to do an evaluation of products that have not been used in the last two weeks or are used occasionally.
• Reduce additional application costs. Some applications are expensive because the packages contracted are higher than the basic cost. In this context, it is important to evaluate those that can be changed to more accessible or free versions, in order to reduce the costs involved. It is also recommended to suspend the service if there are periods when they are not needed and only reactivate them when they are needed.
• Avoid paying for apps that provide similar services. To reduce ant spending in applications that offer similar services, it is important to assess which product provides the best service based on user needs and discard those that do not meet all expectations.
There are even ant spending apps, which allow you to track your daily, weekly, fortnightly or monthly budget and then establish how much resources are available to use in recreational activities.
igonzalez@redaccion.diario.com.mx
SOURCE: Reviews News
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