A house or apartment will always require several investments to keep them in optimal conditions and with a pleasant image, which makes us feel the same joy of living in it. Buying a house or apartment represents a personal and family goal that fills us with satisfaction, because it is well known that, to achieve this goal, it is necessary to make a proper choice of the property, its location, a space according to the size of our family, a quiet, safe and pleasant environment, its proximity to schools, workplaces, stores, entertainment spaces and, above all, to make a strong investment. This last point is fundamental because the prices of the properties that meet our expectations may require us to apply for a loan to complete our budget. On the other hand, once the goal of owning your own home has been achieved, you still have to face multiple expenses for its maintenance. In fact, a house or apartment will always require various investments to keep them in optimal conditions and with a pleasant image, which will always make us feel the same joy of living in it. Thus, from time to time it will be necessary to paint it, repair water or gas leaks, fix doors and windows that do not close properly, eliminate leaks in the walls or roof, solve problems in the electrical installations, change the floor, modify the patio or garden, and so on. Likewise, carrying out this maintenance work helps the home to preserve and even increase its appreciation (the increase in the value of a property over time) in the event of a possible future sale or rental. According to the Instituto del Fondo Nacional de la Vivienda para los Trabajadores (Infonavit), among the factors that influence the appreciation of a property is maintenance. In addition, the lack of maintenance can cause repairs to be more costly than if they had been attended to when they were minor. Also, according to data from the Sociedad Hipotecaria Federal (SHF), a property with little maintenance has a minimal growth in its equity, between 2 and 3% per year, which makes it less attractive to potential buyers. On the other hand, renovating a house or apartment can mean a 10% increase in its commercial value. Likewise, according to real estate experts, keeping a house or apartment in good condition will contribute to its appreciation in value. For example, if 10% of a property's value is invested in maintenance, this can increase up to 40%. For all of the above, it is clear that investing in the maintenance of our house or apartment is essential to have a pleasant and cozy space where we are happy to arrive after a day of hard work and we can spend moments of great happiness with our family, but not only that: a proper maintenance of the property will give us the possibility of increasing its value in the future, if the occasion arises, to sell it at a price that is beneficial in case it is required and help us to improve. Whether your property requires minor repairs to keep it attractive and comfortable or needs major maintenance, Credmex supports you with personal loans at your fingertips with a single click on your cell phone. Download our app and learn about all the benefits we have for you and the wellbeing of your loved ones.

Identify those expenses that are keeping you away from saving and healthy finances. Remember, it's not about eliminating all of them, but about making you aware of your expenses. During a hard day at the office, something that can contribute to lower stress and make us feel better is to take 15 minutes to go out for that delicious midday coffee. However, we may not realize that that delicious, steaming cup of coffee is just one more of those “hormiga” expenses that make it so difficult to make ends meet, even more so when we have some debt or need money to cover an urgent need. Avoiding to avoid falling into the “hormiga” expenses is part of the financial education. But, in order to achieve it, it is essential to first understand what are ant expenses. These are those expenses that are made frequently and which are not controlled because, apparently, they are insignificant due to the small amount they represent, but, in the long run, they accumulate in larger amounts of money that affect our economy. Ancillary expenses are very common and everyone has incurred in them at one time or another. Among these we can mention, in addition to the daily coffee mentioned above: Bottled water. Cravings such as snacks, soft drinks, snacks... Meals away from home or at home. Cigars, outings with friends, gambling and other entertainment. Uncontrolled online shopping. Frequent trips to the cinema, concerts or other shows. Cab rides for short distances. Streaming audio and video platforms that are not always used. Of course, keeping ant expenses under control does not mean depriving yourself of a treat once in a while. The important thing is to understand what they represent for personal and family finances and minimize them as much as possible. Among the measures to control them are: Avoid eating out, as this involves more expenses than just the price of the menu (such as transportation and tipping). When shopping for groceries, make a list and stick to it in order to avoid superfluous expenses. Review the contracted service plans to locate those that can be renegotiated at a lower rate, changed or cancelled (telephone, internet, streaming platforms, etc., should be included). Walk or use bicycles or collective transportation for short trips instead of traditional or app cabs. Do not get carried away by “offers”, “discounts” or “free products” whose purpose is only to make us buy compulsively. Make a weekly, biweekly or monthly budget in order to keep better control of expenses. Take homecooked meals to work to avoid eating in restaurants. Spacing out the days when we allow ourselves to indulge in cravings. Recording daily expenses is also a useful tool for detecting antspending. Applying these tips will undoubtedly contribute greatly to reduce those small but significant expenses that do not allow us to make ends meet, save or pay our debts. Also, remember that Credmex is always with you to support you in those urgent moments with the best personal credit options and benefits for you and your financial health.

The disbursement for the new school year usually impacts family finances; Credmex offers you an alternative, through an immediate microcredit. After a school year that has required not only the discipline of the students, but also the effort of their parents (getting up early to prepare breakfast, take the children to school, pick them up in the afternoon, help them with their homework and assignments, attend meetings with their teachers...), it is more than deserved that everyone takes a break, and what better than a trip to the beach, to one of the many Magical Towns in Mexico or to any other destination of your choice to forget for a few days of the hustle and bustle and daily responsibilities. It is not even necessary to leave the city to spend great moments of fun and recreation during the vacations: we can go to the movies, theaters, museums, parks, shopping malls or meet with friends and family to share great moments. Of course, after having enjoyed the rest period following the end of the school year, it will be essential to prepare for the return to school. It is very likely that our vacations have represented a heavy outlay that, although necessary to get out of the exhausting routine, puts us in a compromising situation before the imminent return to school. As parents know, this involves all kinds of expenses: registration, tuition, fees, uniforms, footwear, supplies, supplies, etc., all of which are necessary for the school year. It should also be noted that the expenses are higher for households with more than one schoolage child, and if we consider that the outlay per student at the beginning of the school year is between 2,000 and 5,000 pesos, on average. Fortunately, to successfully overcome the expenses that the beginning of the school year represents, there is the option of applying for a loan. Credmex is to the rescue of your family economy to make this back to school something much simpler and calmer. The demand for personal loans in Mexico experiences a significant increase during the backtoschool period. According to Credmex, loan applications increase 30% during the months of July and August compared to June. Applying for a loan at Credmex is very easy: you can do it from its application and request up to 30,000 pesos, with which you will surely get out of trouble to cover your expenses in this new school year. As if that weren't enough, Credmex puts the money in your hands almost instantly: after registering, your loan will be processed in 3 minutes and in the next few minutes you will have the deposit; you will know that it was completed through a notification. Credmex comes to your aid to help you make the most valuable investment of your life: your children's education!