Micro spending or the art of spending without thinking
22/05/2025
In the area of personal finance, the concept of "micro spending" refers to the practice of spending small amounts of money on a routine basis. Apparently, these "ant expenses" seem insignificant, but over time, they accumulate and end up affecting our personal economy.
The influence of social networks, diverflation Abre en ventana nuevaand the desire to "enjoy life", lead us to feel these small expenses as a form of immediate reward. All in all, for a coffee a day in the trendy cafeteria, that afternoon snack or that fancy dinner dinner on Fridays does not end the world. Not the world, but the money.....
In general, the consumption, savings and investment decisions we make should be rational and thoughtful, but we cannot prevent them from being influenced by our personal values, emotions or desires. In the case of the youngest, a tendency to consume by impulse is also detected, largely due to the presence and influence in their lives of social networks.
It's important that you stop and think about what you're spending your salary on. In clothes that go out of style before releasing it, in the mobile phone that everyone wears, in a kettlebell that you never use. Keep in mind that these are consumer goods, which lose value as soon as they leave the store.
And now stop to think what profitability you would have obtained if that money, however little you had used it in something productive. Check with our simulatorAbre en ventana nueva.
Remember:
No matter how small the expense, keep it in mind in your budget, it is not about spending anything, but about controlling the expense, especially the unnecessary one.
Take advantage of technology, there are applications that help you save Abre en ventana nuevaand give you an overview of your consumption habits.
Analyze your expenses and identify where you can cut them, this will translate into savings that will grow over time.
“Disclaimer: Please note that this is a translation of the original in Spanish that has been obtained using eTranslation (the machine translation tool provided by the European Commission), with the intention of giving you a basic idea of the content in English until a human translation becomes available. The Banco de España accepts no liability whatsoever in connection with this translation.”
