What are "vampire expenses" and how do they affect my finances?

There are expenses ant and expenses ghost, but the most compelling of all are the fearsome expenses vampire. 

Recall that the expenses ant:

Are those payments that are for being tiny they pass almost unnoticed, some of them are the snacks, the consumption of drinks everyday such as coffee or juice, and even the change that you returned incomplete at the store.

According to Daniel Uriah of Cooltura Financial the expenses vampire are disbursements everyday (most major expenses ant) that after a period of time represent a strong impact to the pocket. 

So what are the expenses vampire?

The expenses vampire quantities are larger than the expenses ant, but not being recognized or detected, can absorb up to 30% of our finances, almost without noticing it. 

Imagine how much it would add to the year that deficit, a large amount of money! 

What is even more serious of a problem is when that figure that you're losing you add the inflation of the last two years, gives as a result a possible financial crisis. 

How do I know if I am a victim of these mass escapes of money? 

TEST to detect expenses vampire  

“Yes,” with the points that you identify.

• I don't know the cut-off date of my bank card.
• I have not disabled that app streaming that I never see.
• I paid for health insurance for a year and I never understood its benefits.
• I don't know how much I charge for use and annuity of my bank cards.
• I signed up six months out of the gym, but I just got the first two months. 
• Always burns the electrical appliances in my house and I don't know why.

How you answered yes to at least one? Then you, as the large majority of mexicans have some vampirito sucking the profits of our effort. 

How to differentiate the costs vampire of the expenses ant?

The main difference is the amount of money that is consumed by the month, fortnight or week. In the case of expenses ant talked of payments frequent and tiny underestimate because “nothing happens”; instead, the expenses vampire are larger leaks that by their nature are more complicated to troubleshoot.

In summary, the expenses vampire are disbursements constants that do not have referred to in your budget and that they represent the loss of a significant amount of your income. 

Examples of expenses vampire:

• Annuities are not referred to a bank card.
• Leaks of electrical energy. 
• Unexpected repairs due to lack of maintenance.
• Interest payments on credit cards.
• Insurance payments that are not used. 
• Subscriptions to apps that we forget.
• Subscriptions to clubs or gyms that do not apply.
• Cable television. 
• Heavy use of apps-type transport uber and rappi.
• Phone plans that no longer meet your needs. 

Examples of expenses vampire there are many and may only be detected when destines a time a week, fortnight, or month to bring order to your financial priorities. 

Smart saving vs  Expenses Vampire why is it a public problem of financial education? 

Every entrepreneur, investor, parent or homemaker who is in the stage to bring a order close your income and expenses to raise capitalhas a silent menace that can make you lag more results: the expenses vampire. 

No one is safe from them above and beyond to be seen as a problem of personal finance the expenses vampire speak of all those things that we put off and leave it for another time.

Every day we have the opportunity to choose our priorities, and when we choose immediate gratification, we also set aside the opportunity to get closer to our purpose. 

If your purpose is to start an investment, you have to learn how to root any type of expenses that respond to impulses and not needs, to get you started, here are some recommendations according to the magazine CONDUSEF:

• See if by mistake you have contracted any form of insurance that do not truly need it.
• Try to pay for your services before the deadline to avoid penalties.
• Make a budget taking into account your monthly expenses, such as subscriptions, if you think that you are already part of your lifestyle.
• Pull the appetizers, not only for the economic benefit, do it also for your health.
• Don't pay the subscription in two applications that serve the same purpose, values that will be more useful.
• Take advantage of the discounts and compare if you really offer a cost savings.
• Make use of the apps of private transport, only in case of emergency. If the trip will allow it, walk to your destination or use public transportation.

The worst enemy of our intelligent savings are not expenses ant and the expenses vampire, is the lack of planning.

To start a project life as it can be to purchase an estate, but requires discipline in order to put all of that without knowing it, causes us to leakage of money.

If you learn to identify and solve these devourers of income, you'll have a better plan your finances and this is the first step to saving smart. 

At the Smart Investors we are interested in more mexicans to reach the dream of owning a heritage, and enjoy a more secure future.

If you want to know how to start a real estate investment, but for your financial situation doubts that it is for you, then come to us to provide you with the financial advice to start a savings-based intelligent planning of your finances and the best asset investment: the earth. Trust real estate investment.