1. The finance secretary said that the worst is over. And for lack of better analysis, I imagine a wave of pundits who will say that this is not true, that the secretary is exaggerated or overly optimistic. Is that good becomes little breast Carstens to criticize him. But while they throw darts, I ask you already doing something for the worst, whether already passed or is yet to come? If you do not think to Carstens, then please to build your emergency fund, which is supposed to cover three months of your expenses. This fund should be almost in sight while good yields for cover as inflation (so you should find something that gives 6% per year, at least). Forget the bank notes, asking

you thousands of dollars minimum investment and leave the money there for almost a year in exchange for a small performance. And what do you do to have a ahorrito? Where did you keeping? Ask for a bond fund. Remember that the less money you put, the more commission they charge. 2.'s Worst effects of the crisis will come in three years. That could be inferred from studies of an American researcher, who has seen the bad economic times translate into more disease shortly thereafter. The Telegraph of London and talks about the flu from the recession. If you do not feel like getting out of bed in the morning, if you have frequent headaches and stomach ailments, those can be some of the symptoms, because you've been distressed by news of economic crisis, aggravated by influenza in Mexico. According to Harvey Brenner of the Center for Health Sciences at the University of North Texas, was quoted by the Telegraph, when economic problems at three years increased cardiovascular disease. So if you start biting your nails and much angst, then you think before going to serve you in some very expensive disease. A cheaper alternative: stop obsessing, cnnexpansion.com finish reading and a little salt to the park. 3. This week, BBVA Bancomer has already launched its own web of financial education. Pical here and see their calculators and some of their advice. Banamex also has a page, a little more hidden. I never tire of recommending his calculator to make your budget. Entrale pecking here and do not look for pretexts to begin organizing. They also have a very good record expenses. These are general tips are appreciated but ... While banks teach you things, do not forget to check how much they're paying for. Remember that banks are there to make money, and they charge you to laugh if you let them. You have the task of looking at your statement and analyze how much you pay commission. The next step will reduce the payment, seeking a bank account or better.