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Fluent · Handout

Everyday money: Mexico.

A take-home sheet for people at the session. Other countries: United States · United Kingdom · Canada · Australia · New Zealand · India · Philippines · Argentina.

On your phone? Tap any address to open it. After the session: where to go next. Short address for this sheet: moraph.org/s/everyday-money/mx. Pass it on: cards to hand to someone.

Moraph for Good · Fluent

Everyday money: Mexico

Handout · moraph.org/commons/sessions/fluent/everyday-money

This sheet goes with the Everyday money session. It is general information, not advice about your own situation.

A budget that survives a real month

  • Write down what comes in and the date it arrives.
  • List the bills that can’t move, next to their due dates, and match each to a payday.
  • Add up the costs that don’t come every month, divide by 12, and set that aside monthly.
  • Check once a week, so a bad week can be fixed before the month is lost.

When income goes up and down

  • Plan on a lower month, not an average one.
  • Keep a holding pot and pay yourself a steady amount from it.
  • Pay housing, power, food and getting to work first, and call before you miss a payment.

Starting an emergency fund

  • Start small and make it automatic on payday.
  • Keep it separate from everyday spending, somewhere protected.
  • Use it for real emergencies, then refill it.

If the month doesn’t add up

  • Free, confidential help with bills and debt exists; see below.
  • Nobody needs to charge you to deal with your creditors or apply for help.
  • Ask companies about hardship plans before you fall behind.

In Mexico

  • Free learning from CONDUSEF. The Comisión Nacional para la Protección y Defensa de los Usuarios de Servicios Financieros (CONDUSEF), the national financial consumer protection agency, runs Educa tu Cartera, a site with free online courses, booklets and videos. Its monthly magazine, Revista Proteja su Dinero, is also free.
  • Simulators and calculators. CONDUSEF’s online simulators and calculators compare options for savings, credit cards and loans, and include a budget planner.
  • Insured bank deposits. The Instituto para la Protección al Ahorro Bancario (IPAB), the bank deposit insurer, insures bank deposits up to 400,000 UDIs (inflation-indexed units) per person, per bank. It is automatic and free, with no paperwork needed to be repaid, and covers checking, savings and debit card accounts and certificates of deposit.
  • What isn’t covered. The insurance applies only to commercial banks. It doesn’t cover investment funds, insurers or brokerage firms (casas de bolsa), even when they are offered in bank branches.
  • Check an institution. CONDUSEF’s public register, SIPRES, shows whether a financial institution is registered and its status; one that isn’t listed is not a financial institution or isn’t following the rules. CONDUSEF’s phone line for advice (asesoría) is 55 53 400 999.

Official places to check:

More free official help in Mexico: moraph.org/commons/help/financial-literacy/mx

General information, not advice about your own situation. Checked 22 October 2026. If an official source says something different, it is right. Free to copy and adapt. moraph.org/commons/sessions/fluent/everyday-money Version of .