Money Talks November 2021 | Stephanie Garcia

When Your Bank Account Needs A Financial Limpia

Oooo those negative over-spending vibes💥 are strong on you mij@. It’s time to cleanse yourself of those holiday spending habits with a financial limpia.✨ Along with un huevo🥚 and a cup of water, add these other suggested steps into your limpia to really make sure you cut off all those mala vibras.😬

🎁 Limit your gift list🎁

Every year your gift list includes all the primos and Tios and amig@s who are like primos.🙇‍♀️ But The Motley Fool reports that buying gifts for too many people is one of the fastest ways to go over budget and invite in the negative energy.🤯 Look for ways to cut down on the number of gifts you need to buy like a secret Santa🎅🏽 or replacing gift-giving with sharing a really nice meal together.🥩

📝 Make a budget 📝

Release the blockage that comes from overspending💆‍♀️ by including making a budget into your limpia. First, figure out how much you can reasonably spend overall during the holidays.✍️ Then The Motley Fool suggests splitting that between both presents🎁 and entertaining.🎄 also recommends having a little buffer for last minute expenses or impulse buys.

📆 Buy early 📆

You don’t need to look for signs in an egg yolk to tell you that buying early helps save cash.💰 You’re more likely to catch a sale, like on Black Friday or Cyber Monday. You’re also less likely to spend more💰 on something last minute because what you originally wanted sold out.🤯 Saving money by buying early applies on airfare too!✈️ Set calendar reminders if you need so you don’t forget to get it done early.

💳 Coupons and credit card rewards 💳

Coupons and other offers like buy one, get one free can be found with a simple Google search.📱 There are websites dedicated to online coupons or sometimes you’ll be eligible for a discount just by signing up for an email newsletter. The Motley Fool suggests that another way to save is to check whether your credit card has any rewards.💳 You can earn cash back or use points towards gifts.

💵 Use cash 💵

No, we don’t mean using cash in place of an egg in su limpia. 😂 After working out what your holiday budget🎄 is, keep that amount, in cash💵, in an envelope. reports that studies have shown that you’re less likely to overspend paying cash because it feels more tangible than when you pay with credit.👍

Financial limpias shouldn’t just happen around the holidays.🎄 Your spending needs monthly maintenance and once you get into the habit of doing a financial limpia every month, you’ll notice your bank accounts🏦 will have more positive energy and clarity.💫 And SUMA wants to help! Click HERE to download the SUMA App straight to your phone!

Want another easy way to learn with SUMA? Sign up for the DINEROVERSE event today to take part in the fun virtual festivities with Suma 🥳 Learn about credit cards, how to do a financial limpieza, and learn from the best Latino money experts. Don’t get left out, join our financial fiesta today! 🎉

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