Financial tips for adults💸✔️

**Welcome to a new post, dear Hiver!** *Teach what you learn.* I feel that I like to teach others the things I know. An example is in my Hive blog. I make some reflections and share everything I can with you. On this occasion I am instructing my sister in terms of personal finances. She began her working life recently, so when living in Venezuela it is very important to be organized and above all learn to handle money. Which is one of the biggest problems of Venezuelans due to our culture. Here you have the bad habit of spending more money than you earn. And unfortunately, that is what makes progress do not reach our lives due to the mismanagement of money, as well as the lack of investment and savings. Therefore, I don't want my sister to happen, it's young, she has goals. She has never been a messy girl, however, because of her youth, she doesn't know some things about correctly handling money. So I have been teaching him some things, which today I also share with you. **Savings, always save** Savings is key in countries with an economy like Venezuelan. Currently in my country there are financing plans, however, it is usually more expensive to acquire products through them. So why not create your own plan? Just as a platform fractions a payment, you can also do it. You only need organization and determination. If you want something in particular, put on a goal. For example, save $ 1000. To do this, it keeps from the various income you have a part, establishes a term and you will achieve it. You can help you with a Saving Tracker, which also is a graphic tool will motivate you. **Save intelligently** Today there are endless options to save. Banks give you an interest percentage if you have a savings account. The Bank of Venezuela has that option. The only negative thing is that the Bolívar (the coin of Venezuela) devalates. But, there are also other options that are 100% available, free, and online. One of them is Hive. Here are the savings section, which generates 15% annual interest. There are also other options such as Binance, Coinex, or the one you choose. **Do not spend more than you earn** If you want 200 $ a month (which is little but it is the reality of our country), your debts cannot be $ 500. This gives you stress, less free time because you must work the triple to pay, and debts. Usually when you spend more than you earn it is because it is a debt, which you must pay. It's less money, because the next month you must pay. You will have little money, and in addition to this you must borrow again to cover your expenses. **Have several income** I taught me this life. Every time I had no job, I had nothing. Until I started looking for various income. Some people say you just have to do one thing and do it well. It is true, however this idea has certain conflicts. If you are independent or your family's head, your home in your home should never depend on one thing, or, unfortunately when it ends it will be very difficult. When I understood not only I dedicate myself to getting several income, but also to save. So that savings and my extra income have allowed me to live, as well as get out of trouble. **Invest in what you need** As you earn money you must invest in what you need. An example of this is whether you work online, you must invest in a computer, phone, charger, or anything else that helps improve your work. Also in what improves your life through comfort. Because it is of no use to make money, if you live uncomfortable, badly, and if your life we ​​break down. **Do not spend money on vices** Everyone spends their money on whatever, that is clear. But, if someone asks me for advice on their finances, be the age you are, I would tell you not to spend your money on vices. Cigar, alcohol or substances will not improve your life. Nor will your problems solve. They will only harm you, and they will cause you more problems. If you want to forget your problems, or solve them, go for a walk, practice some sport, practice arts, write, read, do something that contributes something to your life. That way you will feel better with yourself, and you will not waste your money in something that damages you. And that money that you are not going to waste, you can save or invest. **Money does not give happiness, but tranquility** Handling money is easy, and if you do well you will not have major concerns in your life than just filling Excel of your finances to see how they are going. Like everything in life requires some organization, and with it, everything will be easier.