1.The future is uncertain
No one knows what is going to happen tomorrow. Therefore, no person is exempt from doing something that is an effort but then appreciate: save. More than one will roll his eyes when he hears the word "budget", but it is one of the first steps to carry out effective savings. It is also a great tool to maintain financial health as it shows important indicators such as what level of income you have and if it is enough to cover expenses, debts that have to be paid or if there is enough to pay bills, among others.

A trick to make this task more fun and motivating is to plan the game dedicated to leisure or holidays, allocating the different amounts that are saved in specific expenses to achieve these goals. In this way, the budget will stop being an unpleasant task that only serves to cover the needs of the day to day and will become a passport to do desirable things.

2. If you do not know how to invest, you have to learn
Nobody likes obligations, but to take care of financial health you have to stay well informed and advised. If you are thinking of investing, you should seek professional advice from an expert and ask him all the questions that are necessary to resolve the doubts. However, this does not mean that the final responsibility lies with the adviser: each one must take charge of their money. Therefore, you should never sign something that is not understood, you must keep informed of how the investment is going and maintain contact with the intermediary to be up to date. It is worth the effort since a good investment always improves the financial results of a person. No matter how promising the investment, the most convenient is to allocate to it the surplus between the income and the common expenses. It is hard to ignore the siren songs and "take advantage of this opportunity", but the most advisable thing is to be patient, eliminate debts and clean up the financial situation you have, before getting involved in investment decisions.

3. The brain is treacherous
Richard H. Thaler, the last Nobel Prize in Economics, expert in behavioral economics, never tires of repeating this somewhat uncomfortable truth. In his books, Thaler argues that economic agents are irrational when it comes to making decisions in finance and explores the consequences of the behavior of people that affect their lives and the market. Thaler therefore proposes that policies be designed to help people make decisions and serve as a guide to achieve the life they want. Meanwhile, it is best to keep a cool head, take time to make each financial decision, analyze the pros and cons and give advice before taking a step that affects the personal economy.

4. And when does the withdrawal arrive?
Saving for retirement is another of the thorny issues that affect the financial health of people. There is no use looking the other way, thinking that it is still far away or that there are more important things to spend money on in the present. The reality is that it is increasingly necessary to establish an economic plan for retirement and complement the public pension with a private savings system. Reserve money for retirement may not be 'sexy', especially when you are young, but having sufficient funds to cover retirement is essential to have good financial health in the future. For this reason, it is best to start as soon as possible.

5. For life
It would be nice if, with a few readings or some accelerated course on how to improve financial health, everyone would have the desired level to manage their finances without problems. The harsh reality is that it is a learning that never ends, so it is always good to read about economic issues, contact your own bank or financial experts that can serve as a guide to make certain decisions and stay informed on issues such as, for example, retirement or investment. One clue to achieve it: in the Center for Education and Financial Capabilities is all the relevant information on health and financial education in the world to be always up to date.