Starting a professional career involves more than just earning a salary. It is also an opportunity to make decisions about how to use income and plan for the future. Many young professionals wonder how to start saving, especially when working with a limited budget.
Karen Anleu, Business Executive at Banco Industrial, provided insights on why early saving is important and how the Plan de Ahorro Bi can help new professionals build financial stability. According to Anleu, "Saving not only provides the peace of mind of being independent, but it also opens other doors and even offers support in visa procedures at embassies, for example, allowing you to travel and get to know different destinations."
The Plan de Ahorro Bi is designed to help users set clear savings goals and maintain discipline. The program allows individuals to see exactly how much they will accumulate over time while building a solid financial foundation. Anleu added: “Another benefit is the possibility of accessing credit with Banco Industrial thanks to the backing of your savings, even at a young age. This also has a positive effect on your credit history because it reduces the risk of high indebtedness and prevents decapitalization when facing emergencies or unforeseen events.”
Anleu recommends that new savers start by setting aside a fixed amount that fits their budget, such as 10% or 20% of their salary using strategies like the 50-30-20 rule. Automating contributions through Plan de Ahorro Bi helps avoid missed payments and keeps motivation high as specific goals are met.
“One of the main advantages of Plan de Ahorro Bi is that you choose whether you want debits every two weeks or monthly. Also, when you receive extra income you can save it as an additional contribution that earns interest. Although plans last five years, they can be renewed so your money remains safe and continues growing like in a safe deposit box. Only you can withdraw it through a specific process,” said Anleu.
Technology also plays a role in making saving easier for clients. “Through a phone call or from Bi en Línea Web it is possible to modify contributions and view savings progress so clients stay motivated. Specifically in the 'Account Information' tab they can check their progress, make extraordinary contributions and verify historical balances,” Anleu explained.
Early saving helps turn current efforts into long-term opportunities and security. With programs like Plan de Ahorro Bi from Banco Industrial, young professionals have tools available to begin reaching personal goals from the start of their careers.
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