![b8bb4d8d-8bb6-4b3d-99fb-57terteta47779bf36dgdgds.jpg](https://cdn.steemitimages.com/DQmcQ2vqJGUKzwczdFTmRXgmXpUAwdq9qttXp7DdBxZE4t9/b8bb4d8d-8bb6-4b3d-99fb-57terteta47779bf36dgdgds.jpg) [source](https://www.kanopy.com/product/money-management-skills) I recently made a publication on financial advice, this time I bring you skills that we all must have with money, although they are similar concepts, they keep their differences. **Saving with a goal**, finance experts advise saving between 3 and 6 months of ordinary income for contingencies is what is known as an emergency fund, but saving does not make you rich what can generate profits is investment, how you use that savings, the destination and purpose of that money is what can make a difference in your life. **Automating your payments**, paying bills on time seems obvious but many times we forget what causes problems and blemishes to our credit history. **Use taxes in your favor**, average people live in fear of the treasury, they rarely save their bills and tend to pay at the last minute, there are many tax incentives that you can use in your favor.

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**Mind open to an additional income**, with a better management of your time you should look for an additional income to your normal job this can mean an improvement in your financial life in the long term. **Track your expenses**, you will be surprised if you accurately track your spending on leisure, clothing and food, one thing is what you estimate and another is the real figure, you should know what you spend your money specifically. **Diversify savings**, the issuance of massive amounts of fiat has generated some inflation that when added in a decade makes the money lose a lot of value, so you must save on other assets such as gold or cryptocurrencies. **Learn to cook**, if you prepare your own coffee instead of going to Starbucks, if you prepare your own celebratory dinners instead of spending in restaurants, you can allocate that money to something productive. **Apply a rule for income**, it is advised that you spend 50% of your income on your needs, 30% on recreation and 20% is saved and invested, this is the 50-30-20 rule but there are other rules that you can Apply. **Be careful with the offers**, we must be careful with those small letters in the offer contracts that can generate a future expense. ![istockphoto-841214810-612x612.jpg](https://cdn.steemitimages.com/DQmfFYGE9VoA14MgKBXp8qE5tGQiMhkb9PNisDym14vuRwE/istockphoto-841214810-612x612.jpg) [source](https://www.istockphoto.com/es/search/2/image?page=4&phrase=money+skills) **The fruits of compound interest**, 4 thousand dollars today can be converted into 20 thousand dollars thanks to compound interest, we should not understand it, we just have to be patient and invest, in a few years the 4 thousand dollars will be 20 thousand and with that you can do something important.

Thank's for read

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