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Cash is still the most popular form of payment. It is common to have a collection of bills and coins, despite the popularity of virtual payment apps like Bizum or bank transfer. Sometimes, however, other expenses may be more costly. The Bank of Spain warns against the "CEO Scam" and recommends a precautionary measure so that unforeseeable events don't affect the user's economic life.
This fund is only used for emergencies and contingencies. To avoid having to resort to borrowing money or taking out a credit card to cover last-minute expenses, the Bank of Spain advises that users have a reserve amount of money.
There are tips circulating about the total.
The fund should be adjusted to each individual's financial situation, including whether they have dependents. The Bank of Spain recommends that the reserve contain at least three months of expenses whenever possible.
To maintain stability in the economy, the Bank of Spain provides advice to citizens through its portal 'Finances for All'.
