Taking into account that the finance staff may change over time according to different variables, we distinguish seven main periods of what we can define the “life cycle” of financial resources:

Phase in adolescence, when still living at home, maintenance is provided by parents, for which expenditure decisions are few and small;

Achieved a degree of economic dependence (occasional work, etc. …), we face personal expenses such as buying clothes, music to reach the most important expenses, like buying a car;

If we take the important decision to live on our own responsibilities and costs are increasing exponentially, keeping them from achieving significant savings;

In life together, perhaps against a fixed place of work, money is invested for the realization of their projects, such as buying a house. The life of torque allows you to store some savings in more;

With the birth of their children and their maintenance, the costs are changing yet again;
Once the children left the home, expenses related to maintaining them no longer exist, but it could be that continued economic aid in the form directly. Becomes important to think of retirement, investment and taxes;

To be retired will pay more taxes than you actually spend for themselves, is spent on medical costs and considering the savings of a lifetime.