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Guidelines for submitting articles to San Javier Today
Hello, and thank you for choosing sanjavier.today to publicise your organisation’s info or event.
San Javier Today is a website set up by Murcia Today specifically for residents of the urbanisation in Southwest Murcia, providing news and information on what’s happening in the local area, which is the largest English-speaking expat area in the Region of Murcia.
When submitting text to be included on San Javier Today, please abide by the following guidelines so we can upload your article as swiftly as possible:
Send an email to editor@spaintodayonline.com or contact@murciatoday.com
Attach the information in a Word Document or Google Doc
Include all relevant points, including:
Who is the organisation running the event?
Where is it happening?
When?
How much does it cost?
Is it necessary to book beforehand, or can people just show up on the day?
…but try not to exceed 300 words
Also attach a photo to illustrate your article, no more than 100kb
10 keys to financial fluency: Learn, save and invest with confidence
Want to know how to become financially stable? Use this time-honoured wisdom for savings and investment
![10 keys to financial fluency: Learn, save and invest with confidence](https://sanjavier.today/images/articles/24/02/1000007028__11709070433_large.jpg)
- Education, education, education: Read as much as you can about financial literacy in finance books and on the internet, and be sure to attend workshops and online courses on personal finance.
- Set clear financial goals: Ensure you have defined short-term, medium-term, and long-term financial goals that are Specific, Measurable, Achievable, Relevant and Time-bound (SMART).
- Create a budget: Learn to understand where your money is coming from and where it is going by tracking your inbound payments and expenses. Then allocate a portion of your income towards savings and investments.
- Build an emergency fund: Save enough money to cover at least 3-6 months of living expenses in case of unexpected financial emergencies.
- Pay off your debt: Prioritise paying off any high-interest debt you may have hanging over, such as credit card debt, to avoid paying unnecessary interest fees.
- Diversify your investments: Spread your investments across different asset classes – whether its stocks, bonds, real estate or commodities – to reduce the risk to any single one of them. You could consider investing in mutual funds or exchange-traded funds (ETFs) for diversification.
- Invest regularly: Make investing a habit by setting up automatic contributions to your investment accounts.
- Stay up-to-date: Keep yourself informed on current affairs in financial news and with market trends. It’s a good idea to subscribe to a financial newspaper of magazine, and follow reputable finance experts online.
- Seek professional advice: Even the pros need help from someone, and you can’t go it alone. A top tip is to consult a financial advisor to create a personalised financial plan based on your goals, risk tolerance and financial situation. However, these advisors can sometimes come with high fees and commissions, so choose a fee-only or fee-based advisor if possible.
- Be patient and disciplined: There’s no getting around it – investing is a long-term endeavour and requires patience. Just stick to your financial plan even during market fluctuations and avoid making impulsive decisions based on emotions.