The more money the better. Almost the entire population thinks so. However OCU (Consumer and Users Organization) recommends keeping a certain amount in the bank to deal with possible unforeseen events. Specifically, the equivalent of three months’ salary.
this Bank account foundation saving families with Economic crisis obtained covid and Ukraine lost the war purchasing power. Therefore and regardless of what you want to save under bedIt’s important to know how much money must be in bank to avoid shocks.
The ideal amount of money to have in the bank
this Organization of consumers and users guarantees that it is not recommended to keep too much money in the bank. Neither is too little: it’s a matter of knowing very well the income and expenses we have and regularly allocating a fixed amount to save.
If too much or too little is not ideal, the question arises: what amount of money Is it ideal to have it in the bank? The OCU answers the question: the business recommends having only one. liquidity reserve available to deal with at any time unexpected circumstanceslike car breakdown or locksmith payout.
“A prudent amount may be equivalent Three months from you monthly salary“, recommends the organism. It is explained with an example: If a worker earns 2,000 euros per month, he should have a savings of about 6,000 euros.
The OCU initiates this notification for one reason: banks do not have the capacity to assume all payments and liabilities in the event of bankruptcy. The money is as much as yours and you saved it with the sweat of your brow. Spain, like other countries European Unionhave Deposit Guarantee Fundguaranteeing the maximum 100,000 Euros per owner.
“If your savings in accounts and deposits exceed 100,000 euros, try to distribute them among several organizations,” says the OCU. Therefore, if a person has 130,000 Euros in the same bank and goes bankrupt, only Guaranteed return of 100,000 Euros. On the other hand, if he splits it into two assets, he will get all his savings.