Savings plan

More than 3,000 BBVA team members are seeing the benefits of SmartDollar, a free, holistic financial wellness program founded by finance guru Dave Ramsey, since the bank made it available to employees in 2017.

If you’re like most people, there’s not much more terrifying than that countdown to Christmas: only 120, 75, 15 days until Christmas. Not only does it trigger the anxiety to both start and finish shopping, it also usually comes with a mild panic about how to fund all those purchases.

Let’s face it. Saving money is not easy, especially when at every turn, it seems there are more wants that feel a lot like needs. It can be a hard fought battle.

According to a recent Bankrate.com survey, just four in ten people indicated they were able to cover an unexpected $1,000 expense without going into debt to do so.

For these people, a savings plan is the obvious answer, but for the many Americans living paycheck-to-paycheck, even the smallest savings can feel out of reach. But it doesn’t have to be that way. Below are five tips to help you get started saving today.

Richard H. Thaler was awarded the Nobel Prize in Economic Sciences by the Royal Swedish Academy, for his “contributions to behavioral economy”

Digital financial services are within everyone´s reach, but each generation has its own peculiarities when using them. Mobile banking apps have won over the centennials, while social networks influence Generation Y when it comes to changing banks, and Generation X confides in online banking. The baby boomers, meanwhile, prefer to take a stroll to the branch office.

Consumer debt in the U.S. continues to be pervasive some seven years after 2008’s economic downturn. If you count yourself as one of those still struggling, take heart. With a dose of discipline and self control, you could potentially loosen debt’s vice grip on your life.

The European Commission is currently seeking to answer this and many other questions that citizens have posed about retail financial services. In 2015, the Commission launched a public consultation that is set out in a document containing requests from citizens, presented by the European Parliament at the close of 2016. The next step was the publication of the Consumer Financial Services Action Plan: Better Products, More Choice, with specific proposals for eliminating the barriers to retail banking in Europe.

You may think you can’t afford to travel because of your limited budget.

But you may not be familiar with all the options that apps and the Internet offer, ranging from cost sharing to house swaps.

We tend to plan our trips based on the destination, budget or what we’re going to do during our vacation.