Overview
- Kueski reports that the core challenge has shifted from December overspending to managing overlapping commitments that hit together at the start of the year.
- Official Ensafi 2023 data show 68.3% of people cut spending, 30.5% cannot cover basic expenses, and nearly 40% report constant debt anxiety.
- Typical early‑year pressures include property and vehicle taxes, school enrollments and tuition, inflation‑adjusted utilities, and insurance or membership renewals.
- Kueski’s user statistics indicate many take small, short‑term loans for financial management or to build credit history, with some later accessing other products or opening a first bank account.
- Profeco’s January guidance warns against treating credit cards as extra income or overusing interest‑free installments and offers ten practical steps that emphasize planning, prioritization, and responsible credit use.