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In financial life there are several legs for peace of mind, from having a comfortable situation at home to taking care of work and savings. Having a limp can leave us worse off, but things are getting more and more difficult and it seems impossible to square everything. Are there solutions?
Money. With cash, love and hate. And a union of convenience: “Most marriages are fed up, but continuing pays off,” says lawyer Adriana Auset, who has been divorcing couples for two decades. When you can’t take it anymore, problems arise such as pensions, who gets the house… How are they resolved? (Podcast). Couples aside, with children things seem to be easier to deal with when managing money. If you give them pay, change the focus: other than doing homework or passing subjects.
Living place. Another prop to not suffer. The truth is that things are getting more and more difficult for both buying and renting. The effort to access housing is growing from end to end of the country: these are the cities where you have to allocate more money to buy or rent. Along the way there is some good news, this time from Europe. The courts have extended the deadline to claim improperly charged mortgage fees.
Job. Strange things happen in the market. The casualties remain as high as if we were in a pandemic. And this week Oxford Economics surprised by saying that early retirement in Spain must be cancelled. It turns out that seniors are workers with a lot of experience, knowledge and who contribute more in economic terms. But in interviews age matters… What about their salaries? The purchasing power of workers has been reduced since 2007. Middle managers and managers have it worse. All wrong…
And the investment. If the salary does not grow, let the savings do so. The safest options are losing profitability, both Treasury bills, stars of 2023, and deposits, a product more linked to conservative investors. Have they hit the ceiling? The most volatile risk is also with falls. Bitcoin and crypto in general cool down after the long-awaited approval of ETFs. Between speculators and renewed doubts, the value has fallen. Be careful if you jump in when you see opportunities: those affected by crypto fraud are thousands and thousands.
“The online tax return, no need to do it by hand.” The push for digitalization and the Tax Agency’s position to reinforce the online channel when settling taxes revolt tax experts and taxpayers. The clash leaves a war behind.
There seems to be more logic in the judges’ decision to attack the roguery in private contests, which largely seek to leave behind debts that can be paid. Ruin is one thing, not having financial culture is another, they defend.
