A. M. 
In a world where expenses seem to multiply, learning to manage personal finances is fundamental to avoid unnecessary debt. The key is to adopt simple but effective habits that allow you to have control over your money and build a stable financial future.
1. Create a monthly budget. Identify your income and classify your expenses into essential and expendable. This will help you visualize your financial situation and make informed decisions about how and on what to spend. Also, set aside at least 20% of your income to save for emergencies or long-term goals.
2. Use credit cards wisely. Although they are useful, they can become a trap if you lack discipline. Use them only for purchases that you can pay in full at the end of the month to avoid high interest rates. If you already have debts, prioritize the payment of those with higher interest rates.
3. Invest in financial education. Learning about saving, investing and debt management can make a big difference. Currently, there are many free resources such as online courses and applications that facilitate money management. Use technological tools to optimize your finances.
Avoiding debt and managing personal finances doesn’t have to be complicated. With planning, discipline and these key steps, you can keep your finances under control and reach your financial goals. Take control today and build a future free of financial worries.
