Overview
- This week Condusef’s 90‑day method was republished by multiple outlets as a step‑by‑step way to split a target sum into daily, weekly or monthly deposits, with examples ranging from 3,000 to 12,000 pesos — about 33–133 pesos per day for common goals.
- The plan is built in three 30‑day phases: a first month of diagnosis and opening a dedicated savings section, a middle month to consolidate and catch up if needed, and a final month to protect accumulated funds and finalise purchases.
- Journalists and advisers point readers to Condusef’s Termómetro de bolsillo self‑diagnostic and Planificador de Presupuesto, Profeco’s 'Quién es Quién en los Precios' price comparator, and free budget calculators to find where to free up money.
- Practical safeguards recommended include keeping funds in a separate account or 'aparte', setting automatic transfers, choosing low‑risk liquid instruments for short horizons, and avoiding financing gifts or expenses you cannot pay in cash.
- The push for short, low‑cost fixes responds to ENSAFI 2023 data showing 31.6% of adults at a medium‑low financial wellbeing level, which means these steps could reduce reliance on credit this season and shape whether households enter January with or without extra debt.