2023-09-27 22:06:23
Domestic economy
They are small and even seem imperceptible or impossible to pass up due to the value of a supposed “good opportunity”. However, if not taken care of they can end up draining your wallet. Tips not to miss.
Silent and definitely seductive, vampire expenses do their thing when it comes to looking at the account statement, and into the very nothingness that the month’s salary became. If we are going to detail what they are about, they are expenses that are not detected and others that seem very small to you that are not given importance. However, in both cases, the accumulation of these sums absorbs regular income, loses economic resources and, finally, has an impact on personal finances. The most noticeable characteristic is that they are not easy to appreciate and can absorb money from one moment to the next without the person realizing it.
As explained by Economist Paula Pía Ariet, “I always maintain that the best thing that can happen to you when you want to combat inflation is to be smart when buying. However, marketing does its thing, ensuring that 99% of the purchases we make are not made with thought but through emotion, with all that that implies. That is why it is important to beat emotion, so that despite the difficulties, reason prevails.”.
-What are those vampire expenses that we do not perceive?
It is essential to record our expenses, that will definitely make a difference, since the month starts, unfortunately with expenses from the previous month. The same when we tell ourselves “I buy everything in installments”, and what the cards do is debit the value earlier and earlier, since there is less and less possibility of being charged due to the current context. So when you are thinking that you consumed this or that thing and “won”, what you do is pay for previous consumption.
That is why it is essential to know when I am going to pay for what I consume.
-If I live in a family context, how do I handle myself?
You have to involve the whole family, since each person’s recorded expenses (which generally seem super small to us), when you add them up you realize that those little things can cause a problem.
-What should we ask ourselves to avoid these “vampire expenses”?
The questions should always be three and conscious:
First: “Do I want it?” to which we generally answer yes
The second is: “Do I need it?”
And the third: “Can I pay it now?”, because you may answer: “yes with the card”, and that is where the trap begins, because that means that you are not being able to pay it at that moment.
-Is the card dangerous in this sense?
First, if you are carrying something with a card, you are not being able to pay for it, and you are adding an expense for next month. And on the other hand, understand that when they tell you: take it and you can finance it in several installments without interest, it means that in reality they have already put the interest on the card into the value of the product.
-What other vampire expenses should we protect ourselves from?
Energy consumption is one of the most common silent expenses in homes, also known as “vampire consumption.” By keeping electronic devices or their chargers permanently connected to the power, it produces small consumptions that, if added together, represent an additional expense on the electricity bill.
The professional was with the Cada Día team. Look at the note.
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