Personal finance refers to the management of an individual’s or a family’s financial activities, including budgeting, saving, investing, and planning for future expenses. It encompasses the strategies and decisions a person makes regarding their income, expenses, financial goals, and investments to ensure financial stability and growth. Key components of personal finance include understanding income sources, managing expenses, developing savings plans, investing in assets, and preparing for financial contingencies through insurance and retirement planning. The goal of personal finance is to achieve financial security, meet short- and long-term financial objectives, and improve overall financial well-being.
Los jubilados aún deben pagar IRPF sobre las pensiones, no están exentos de impuestos. La pensión media en 2025 será de 1,490.5 euros mensuales. La tasa de retención del IRPF…