Organizing income in advance is fundamental to covering Christmas dinners, gifts, and commitments in December without resorting to debt. ^[1] Vicente Piña García, a commercial law specialist in Tijuana, warned on an unspecified date in 2026 about 'magic deposits', a banking fraud scheme targeting older adults. ^[2] According to the latest National Survey on Financial Health (ENSAFI) by INEGI, 31.6% of the Mexican population aged 18 and older is in a low-medium level of financial well-being. ^[3] Condusef categorizes financial health into four levels based on the most frequent responses: Financial Survival, Building Stability, Financial Well-being, and Solid Financial Health. ^[4] Condusef published a practical exercise called the 'Pocket Thermometer' to help individuals identify their stage of financial health and determine how to improve it. ^[5] A 90-day strategy allows individuals to gradually accumulate capital, organize their budget, and arrive at the end of the year with liquidity. ^[6] December expenses for gifts, dinners, travel, and pending payments often lead to over-indebtedness, financial stress, or reliance on credit cards and loans. ^[7] A savings goal of 12,000 pesos requires setting aside 133 pesos daily, 933 pesos weekly, or 4,000 pesos monthly. ^[8] The Condusef questionnaire asks users about their income usage, ability to handle unexpected expenses of 5,000 pesos, frequency of money worries, expense organization, current savings, credit usage, and clarity of financial goals. ^[9] The article suggests calculating a budget by summing priority categories, such as $3,000 pesos for gifts, $2,000 pesos for dinners, $1,500 pesos for transport, $1,500 pesos for January expenses, and $1,000 pesos for emergencies, totaling $9,000 pesos. ^[10] The National Commission for the Protection and Defense of Financial Services Users (Condusef) suggests subtracting fixed expenses from income to determine real savings capacity. ^[11]