How to save money the easy way

When the time comes to talk about finances, one of the classic questions that always seems to come up is, how can I save money? Is there an easy way to do it? Can you find money just by turning over stones?

Although it’s true that money doesn’t grow on trees, it may be possible to take much better advantage of the money you earn than you realize. To do this you will just need some ingenuity and a little help, and in the end, you will be able to save more easily and get closer to achieving the goals that you were only able to dream about before.

Saving in and of itself

There are many different ways to save money, from dropping your coins into a piggy bank to making deposits into a checking account, or opening a savings plan, or investing in the stock market. Clearly, every solution has its pros and cons: while your piggy bank will not pay you any interest, your investments in the stock market may also come with some serious risk of losses. This means that the method used for saving is something that each individual must select, based upon his or her own lifestyle. The next question is, where are these savings going to come from?

There are several different philosophies when it comes to saving. Whereas previously the tendency was to save whatever was left over at the end of the month, these days the opposite process is more likely to be applied. In other words, a portion of your income will be deposited into a separate account as soon as it is received. There are various ways of acting in relation to your savings, which we can refer to as “techniques for saving”.

The most commonly applied techniques for saving

In order to save systematically, you must automatically set aside a portion of your money before it can be used to pay for other expenses. These days there are two models that have gained a solid reputation:

  • The 50/30/20 model works by dividing your income into three different groups, then dedicating each of these to a different purpose. You should use 50% of your income (no more, no less) to pay for your basic day-to-day needs, such as your rent or mortgage payments, expenses for food, etc. Another 30% of your income must be dedicated to things that you enjoy but that is not strictly necessary: recreation, cultural activities, travel, etc. And finally, 20% should go into savings, ideally separated out from your income right away. It is also a good idea to put this savings into a separate account.
  • The 52 model is another option that has become quite popular lately. Its name is based on the 52 weeks in a year, and the model consists of saving an increasing amount of money each week. In the simplest version, an effort is made to save the same amount of money as the number of the current week: during the first week of the year you only have to save €1, while in the 20th week you must save €20 and in the final week you must save €52. This method will allow you to save €1,378 in a single year, while hardly noticing the impact.

These two options represent two alternatives, although you can always try to go further, for example, by squeezing the maximum savings you can out of your income.

To summarize: there are a variety of techniques for monitoring and controlling your expenses, which as a result can allow you to save a little more. And fortunately, these days you no longer need to carry your notebook around with you or go asking for help; it has never been more accurate to say that the solution is in your own hands.

When is the time changed? This is the winter schedule from October 2018

When is the time changed? This is the winter schedule from October 2018When is the time changed? This is the winter schedule from October 2018

There is little more than a week to change the clocks again. Next Sunday, October 28, the schedule will be adapted to winter. Specifically, the change will occur during the early morning of Saturday October 27 to Sunday 28 .

So at 3:00 am in the morning will be 2:00 hours, being able to have one more hour of rest . In the Canary Islands, the end of summer time will be at 2:00 in the morning, which will become 1:00 hours.

As of that date it will get dark before, so the days will be shorter and there will be less light. What is intended with the change, in force since the 70s, is to reduce energy consumption and equate the beginning of the working day with the hours of natural light .

However, this change seems to be the last one that will take place since the European Commission proposed that the last time change be in March 2019, although the initiative must be voted on by the EU countries . “The Europeans, in May 2019, will not applaud us if we continue to do so,” Juncker said in the debate on the state of the Union last September.

On the other hand, the Spanish Government supports the position of the EU, although everything indicates that the measure will take to take place. However, the Executive has already created a commission of experts to study the consequences of the change of time .

Changes in Europe

The change will affect several EU States. The United Kingdom, Portugal and Ireland will return to the ‘Greenwich Mean Time’ time ( Greenwich Mean Time , in Spanish).

For its part, Spain, Austria, Belgium, Czech Republic, Denmark, France, Germany, Hungary, Italy, Luxembourg, Slovakia, Poland, Croatia, Malta, Slovenia, Sweden and the Netherlands will adjust their clocks in GMT + 1.

Finally, Bulgaria, Cyprus, Estonia, Finland, Greece, Latvia, Lithuania and Romania will put their time in GMT + 2.

Leaders of the PP raise the possibility of integrating in the candidacy of Manuel Valls in Barcelona

Leaders of the PP raise the possibility of integrating in the candidacy of Manuel Valls in Barcelona


The candidacy of Manuel Valls to the mayor of Barcelona is seen with expectation by numerous leaders of the Popular Party, who do not rule out the possibility of the PP being integrated into the proposal that seconded Citizens for the Catalan capital. At least, they believe that their party should wait to see if it takes off and a gap is made between the favorites and then propose an agreement to accommodate this option.

This idea is weighed as much between Catalan, historical and new leaders, as by leaders in Madrid, who are taking into account the few possibilities that the surveys give to the popular ones to achieve a good result in Barcelona.

The latter base their reflections on the need not to divide the constitutionalist vote. That is why they believe that if the candidacy of Manuel Valls had an electoral pull, they should concentrate around it and join forces.

Therefore, they believe that they should give some leeway to see how it evolves, since the latest published polls did not give the former prime minister’s candidacy great results. In fact, the survey published a week ago by El Periódico placed Valls in third place, with seven councilors, compared to 11 Ernst Maragall, which is in the lead, and 8 or 9 that gave Colau.

In the opinion of leaders of the Catalan PP would be good to wait until January and, depending on how the support of this candidacy supported by Citizens evolve, take a decision. In addition, they fear that without a powerful candidate, the acronym of the PP may end up without representation in the Catalan capital, something that they consider even worse for the PP than if they do not present their own candidacy.

Among the arguments offered to integrate into the candidacy of Manuel Valls is the fact that ERC appears at the top of the polls , which could make Barcelona the ‘capital of the Republic’. In this context, they consider that it is better to polarize the vote and that Maragall has a powerful rival that can overcome him in the polls and be the most voted candidate. Something to which they give great importance in this situation.

However, this opinion is not uniform in the PP, since other popular leaders believe that their party can not lose their initials in Barcelona. They argue in this sense that the PP always appear in all corners of Spain and do not conceive not to appear in Barcelona, ​​which is a ‘key’ square. In this sense, after remembering that to govern in Barcelona 21 councilors are needed , they bet because each constitutionalist party loyalizes its voters and then adds.

At the end of September, the president of the PP, Pablo Casado, spoke on the matter, assuring that the PP was going to present itself in Barcelona with its own initials. The PP, he said, “has to be in all cities and more in Barcelona”, but opted, when asked about the candidacy of Valls , for “talking to the Constitutionalists” to get a “sufficient majority”.

Paula Echevarria angers Joaquín Cortés by saying that comparing her with Dulceida is “like comparing God to a gypsy”

Paula Echevarria angers Joaquín Cortés by saying that comparing her with Dulceida is “like comparing God to a gypsy”

The dancer Joaquín Cortés has charged against Paula Echevarría after the actress said in an interview that comparing her with Dulceida “is like comparing God with a gypsy”.

The actress and influencer made this week said statements, collected by the newspaper ABC , which compared it with the girl Dulceida to be both image of a well-known brand of shampoo. ” I would like to take the pictures of Dulceida , her wonderful videos and the productions she takes with her,” she said.

In addition, Echevarría added that she is “very happy” to share a brand image with Dulceida, but that “it has nothing to do with her” , since “it’s like comparing God to a gypsy”.

Before these statements, the dancer and jury of the program Dancing with the stars has exploded in a publication on his Instagram Stories . “There you see the cultural level of the people, the education, the lack of respect and, above all, of humanity, we have been struggling for years to promote equality and you arrive and despise an ethnic group that you do not even know, ” he wrote.

In another Stories post, Cortés added: “I have rarely felt more ashamed of a person like you now … What you have said and how you have said it, the damage that your words cause to many children who you are followed by many other people, there is no right, and it is not fixed with an ‘I am sorry’.

The dancer has continued on Twitter: “Really what bad taste, what little category and what little shame, with people like you you see the culture in this country.”

Joan Tardá, in Congress: “If Mr. Casado could, he would shoot us”

Joan Tardá, in Congress: “If Mr. Casado could, he would shoot us”

The spokesman of ERC in the Congress of the Deputies, Joan Tardá, has assured this Wednesday that if the president of the Popular Party, Pablo Casad or, could, he would shoot them , and he has demanded that he apologizes when he warned Carles Puigdemont that he could finish as Lluís Companys .

Tardá has made this statement before the Plenary Session of the Congress, in which the President of the Government, Pedro Sánchez, has appeared to explain the sale of arms to Saudi Arabia.

The Republican deputy has criticized that Sanchez justify the sale of arms to the Arab country and stressed that if the head of the executive, who is progressive, “acts as acting, what will not the right?”.

“If Mr. Casado could, he would shoot us, Mr. Rajoy, maybe not, he would put us in jail,” said Tardá, who pointed out that the leader of the PP already made that warning when “speaking of Puigdemont he said: maybe it will end up like Mr. Companys finished. “

These statements have caused the protests of the popular bloc denying Tardá and have led the Speaker of the Lower Chamber, Ana Pastor, to ask the deputies to respect themselves.

Tardá has urged Casado to apologize and has stated that if he does not do so, it is because it is perhaps considered as a hypothetical solution. “Point and ball, that’s it,” he concluded.

In a press conference on October 9 of last year , on the eve of the unilateral declaration of independence of Catalonia and when he was still deputy secretary of Communication of the PP, Casado warned the president of the Generalitat, Carles Puigdemont, that if he declared independence he could finish as happened to Lluís Companys.

In 1934 the former president of the Generalitat declared the independence of Catalonia, which led to his arrest and imprisonment by the Government of the Republic.

Years later he was shot by the Franco regime and that motivated journalists to ask Casado to clarify in the same press conference what he was referring specifically to his warning to Puigdemont.

Casado refused to establish any comparison with the execution and specified that he was referring to the events of 1934, when Companys was arrested and subsequently sent to prison.

The case against Mario Conde filed after the crimes of money laundering and tax fraud were not proven

The case against Mario Conde filed after the crimes of money laundering and tax fraud were not proven

The judge of the National Court Santiago Pedraz has filed the case investigating the former president of Banesto Mario Conde for money laundering and tax fraud, considering that the commission of these crimes was not duly justified, as reported on Wednesday The Information .

The Tax Agency ruled out in April of this year that Conde committed a tax offense between 2010 and 2014, exercises during which there were no capital increases or capital gains or income that could be taxed.

Subsequently, in another supplementary report known last week, also saw no evidence that the money came from illicit activities , on the understanding that the capital was entered into the Swiss bank Dreyfus before Conde acceded to the presidency of the entity in 1987. this, the magistrate assures that “the money does not have a relevant origin for the process, since it would be previous to Banesto”, as indicated by the judicial expert.

An investigation of two and a half years

This closes an investigation that has lasted two and a half years and has included numerous letters rogatory to the United Kingdom and Switzerland, and the arrest of Mario Conde and his daughter ; the former banker was arrested in April 2016, accused of having laundered some 13 million euros from Banesto since 1999, funds he was repatriating to Spain from Switzerland and the United Kingdom to pay his personal expenses.

He was then attributed to a criminal group, raising property, eight tax crimes and the alleged laundering of more than 13 million from the civil liabilities of the Banesto and Argentia Trust cases . Two months after his arrest, Judge Pedraz ordered provisional release for the ex-banker, upon payment of a deposit of 300,000 euros .

During his statement, Conde reiterated that he repatriated funds that had nothing to do with Banesto , but with the sale, at the end of the eighties, of the Antibióticos company, of which he was majority shareholder with businessman Juan Abelló.

The investigations do not see irregular funds now

Now, after the investigations, Pedraz concludes that the origin of the funds is in various income made between 1980 and 1985; of a transfer of March 1987 for the amount of 10.5 million dollars for the sale of Antibiotics to the Italian Montedison, and the transfer in the first six months of 1989 of funds collected by Conde through intermediation in the sale of Laboratorios Abelló to Merck Sharp & Dohme.

Nor are other funds from an investment property in London accrued between 1994 and the end of 2009, and from the sale of the property in 2010. In the same way, since the commission of the aforementioned crimes was not proven, “the crime of criminal organization as there is no criminal purpose “, which is why the case is filed in relation to the rest of the investigated.

Aznar, surrounded by Pablo Casado: “The Government of Spain is conditioned by coup leaders”

Aznar, surrounded by Pablo Casado: “The Government of Spain is conditioned by coup leaders”

The PP of Pablo Casado has been characterized by vindicating the past of the party, and this Tuesday has been given a sample more. The popular president has embraced José María Aznar in the presentation of his book The future is today, in what was the break with the policy that had marked the formation with Rajoy: not attend the acts of the former president of the Government.

The key question of the act was made precisely by Aznar to his successor, after Rajoy’s step: “Pablo, when are we going to win the elections?” he said between laughs from Casado himself.

“I am grateful to Aznar as a father, for having left a better country,” said Casado to open his mouth, supporting the work of the ex-leader of the Executive. Where they wanted to deepen both was in the regeneration of the center-right political space. “He integrated into the PP everything that was on the right of the PSOE ,” said Casado and “I aspire to recover it,” he said.

“This is not only possible, it is necessary,” the opposition leader continued. For his part, José María Aznar wielded, after describing Casado as his “political boss”, that “the Popular Party must be rebuilt because it is indispensable to understand Spanish democracy .

On Catalonia, Aznar indirectly asked for a return to 155. “When someone goes outside the law, it is in the hands of the Government to recover it,” he warned, before warning that the secessionism grew due to “failures” of the one who governed at the time.

“You can not look for intermediate land because it does not exist.” Aznar also had a dart for Pedro Sánchez around his dialogue with Torra. ” The coup plotters are not only institutions but also condition the Government of Spain, ” he said.

For the former president of the Government we are not in an “epoch of changes, but in a change of epoch” . In this sense, Aznar remains convinced that the problems of Spain “have the solution in the Constitution”, in a clear message to the independence movement. “The problem arises when there is political will to skip that pact,” he said.

On these issues, Pablo Casado said that the Constitution is “the only thing that allows the country not to break” and explained that those who want to “break with the lock of 78” do so to allow “situations of sedition.”

“There are no widgets to reform the Constitution”

From the current PP maintain that there are no “wicks” for a possible profound reform of the Constitution , because they understand that in the current framework “can not be a good dialogue,” in the words of Casado.

For him, in addition, the popular ones are “remaining alone” in that defense . On this, Aznar added that, far from what can now be said, “the Constitution does not fit everything”. Also, it is clear that in Spain there has been “a coup d’état” and that is something that must be rejected “without complexes”.

At the same time that what has been done must be claimed, Pablo Casado considers that it is necessary to “also talk about the future” , because the country has to adapt “to the advances that are coming and are not talked about”.

More Europe or better Europe

In the context of the EU, both have argued that what should be sought is “a better Europe” rather than adding new elements to the current community context. “We have to return to a Europe of the states, which believed in the transfer of sovereignty to prosperity,” explained Casado.

“The European Union was the decision to stop killing itself to live together, and it is the largest welfare area in the world,” he said, but that plan must be “sustainable in the future.” The president of the PP considers that Spain “has to recover its global position”, taking advantage of the “advantageous” situation in which, in his opinion, the country will be after the brexit.

Aznar, for his part, wanted to clarify that for Spain to be strong in Europe and in the world, it has to have internal stability, something that now “does not exist” with Sánchez. “There is no doubt that the EU has to be preserved, but it has to be placed,” he concluded, and does not believe there is anything “more stupid” than leaving it in the hands of “populism.”

Prisons figure in 50.4% the follow-up of the strike of civil servants and the unions raise it to 85%

Prisons figure in 50.4% the follow-up of the strike of civil servants and the unions raise it to 85%

Penitentiary Institutions figure the follow-up of the general strike of prison officers by 50.43%, while the five convening unions raise it to 85 % in the morning shift, which has passed without incidents, except for the cuts in the accesses of several centers.

As reported by the General Secretariat of Penitentiary Institutions, the more than 80 penitentiary and social insertion centers dependent on the State Administration operate “normally” on the first day of the strike organized by the unions CC OO, UGT, CSIF, Acaip and CIGO to which 25,000 workers are called.

Prisons ensures that on the morning shift, begun at 8:30 am and with an average follow-up of 50.4%, “almost all” of the minimum services have been incorporated .

The only problems, according to Prisons, have been recorded in the early hours on some access roads to prisons, which has caused a delay in the entry of workers of the morning shift and, therefore, a delay in the relay with officials of the night shift.

By communities

By Autonomous Communities, the centers with more unemployment follow-ups were those located in Murcia (67.71%) Valencia (66.76%) Canary Islands (63.4%), Balearic Islands (58.62) Andalusia (58.49) , Aragón (58,26), Madrid (51,96), Castilla-La Mancha (50,39) and Extremadura (50,93).

The strike has been seconded by less than 20%, according to the General Secretariat, in the prisons of Ceuta (19.61%), Melilla (10), Navarra (9.30) and País Vasco (0.68). In the latter, the limited follow-up, according to Efe sources consulted, is due to the fact that these officials charge even a special complement for dangerousness.

The spokespersons of CC OO, CSIF and Acaip are “very satisfied” by the massive follow-up – an average of 85 percent – of these first hours of the first day of strike (there is a call for another five days), although they have denounced as “abusive” the minimum services decreed.

Minimal services have been decreed above a normal day,” complained the CC OO Prisons official, Silvia Fernández, who has detailed that inmates are guaranteed health services, food and the regime office that processes the arrival and departure of prisoners.

Scheduled visits

Prison sources have also made it clear to Efe that they have not been affected by the strike or communications or visits of scheduled family members , nor the commissary nor the judicial proceedings, considered essential services for all inmates.

Precisely, one of the incidents “without major consequences”, according to union and prison sources, has occurred in the prison of Archidona (Malaga) when a van left the Civil Guard in a drive with some inmate and a group of workers on strike prevented his departure, although the agents have evicted the road without problems.

The unions demand with this strike to the Ministry of the Interior work improvements after the “deception” of the Government for having withdrawn its offer of salary increase shortly after promising it.

According to these organizations, the Secretary General of Penitentiary Institutions, Angel Luis Ortiz, offered a game of 123 million euros for the period 2019-2021 for a wage increase that would mean 123 gross monthly for each employee.

Sources of Penitentiary Institutions have reminded Efe that a technical study was presented to the trade union centrals and not an offer and that it proposed to work on the reform of the classification of workers according to the center in which they work, something that is not It had been modified since 2005.

The aim was to reduce the categories from 9 to 3, which would result in greater wage equalization, according to the same sources.

The sources have been sent to the agreement of the Bureau of Public Service where all unions -Acaip is not represented- signed a salary known for the triennium 2018-2020, of 1.75%, 2.25% and 2 % for each of the years as a fixed increase, plus the variable percentages that were also agreed.

New black day with two sexist crimes and another in investigation

New black day with two sexist crimes and another in investigation

On the landing of the building where he lived, in Carena street in Seville, stabbed. In the Miguel Servet hospital in Zaragoza, because of the burns he suffered after burning his house in Pamplona. Two different modus operandi, two cities located more than 900 kilometers away but a tragic common denominator: two murders confirmed as presumed sexist crimes . The number of women killed in a single day could rise to three depending on how the investigation on the cadavers of a man and a woman found in the Alicante town of Finestrat.

The victim of the Andalusian capital was of Moroccan nationality , of 36 years and with two children, of nine and thirteen. It was one of them who called the Emergency Service 112 Andalusia about 8.45 am on Tuesday warning that they had stabbed his mother and asking for help. Soon after, the National Police arrested the ex-wife. The man, 51 years old and with a history of gender violence and sexual abuse, had been denounced by four other women and on him weighed a restraining order with respect to another resident in Córdoba.

The deceased had on her part a complaint for mistreatment lodged against her former partner and father of the minors, currently in prison . The children have been taken care of by the specialized group of the Psychological Support Service in Crisis for Daughters and Sons of Women Deadly Victims of Gender Violence.

The victim of the Navarrese capital, 50 years old, debated during a week between life and death in the burn unit. She was seriously injured on October 16 in the fire at her home, of which her partner is accused. The flames also wounded the accused and four other people had to be taken to the hospital by smoke inhalation.

In the first instance, the investigation was taken over by a Pamplona Magistrate’s Court, but a day later its owner was inhibited in favor of the Violence against Women Court, as there were indications of sexist violence in the events. Last Monday, the judge decreed provisional detention for the man , 47 years old, to whom he imputes the crimes of fire and attempted murder or murder.

The day worsened when sources of the Civil Guard informed of the finding of two corpses in a house of Finestrat . A man and a woman, both of Spanish nationality, had been shot dead with a shotgun. Maria BB, 33, had the shot in the neck and Pedro LL, 40, in the head. The weapon was under the bodies, according to the same sources, who specified that, at the moment, all the hypotheses are open regarding the cause and the authorship.

In fact, it is still not clear what relationship there was between the deceased or who was the person who warned of the discovery of the corpses through a telephone call made about noon. While one version points out that María and Pedro were a couple since the one who made the announcement was an ex of her, another version maintains that the victims had been together but in the past and that the one who made the call was the girl’s current boyfriend.

Yes it is known, after the investigations carried out by the agents of the Civil Guard after finding the bodies without life, that the woman had been included twice in the VioGen system as a victim of episodes of mistreatment, but none was in force. We will have to wait for the investigation to end, which has been taken over by the Judicial Police team of the armed institute of Villajoyosa. to find out what really happened in that house in the province of Alicante.

The cases of Seville and Pamplona raise to 43 the number of murdered so far in 2018. Since 2003, the year in which the official collection of data began, 971 women have lost their lives at the hands of their partners or ex-partners . The figure could increase with the review of the statistics that will be carried out. This review will focus on the cases that, at the end of each year, were under investigation and that today would be eleven.