Financial guide
Honest notes on borrowing in Mexico: how to read the CAT, what to do with your bureau, when to consolidate and when not to, bank vs SOFOM.
CAT: the single number that matters when comparing loans
A low interest rate doesn't mean a cheap loan. CAT bakes in mandatory fees and charges; here's how to read it properly.
Read more → 2026-05-18Buró de Crédito: what actually fixes your history (and what doesn't)
Costly myths about the Mexican bureau and the short list of things that genuinely move the needle in 6–12 months.
Read more → 2026-05-25Consolidating debt: when it helps you, when it sinks you
Consolidation lowers the monthly payment. Total cost can go up or down depending on the new term. Honest take on when it makes sense.
Read more → 2026-06-01Bank vs SOFOM: which one's really for you
The bank is cheaper if you qualify (36-45% CAT). The SOFOM is faster if you don't (150-300% CAT). Here's the call, with a worked example of 20,000 pesos over 12 months.
Read more → 2026-06-25Pagaré: example in pesos, mandatory clauses and mistakes that void it
A well-drafted pagaré fits on a sheet, doesn't need a notary and holds up in court. Here's the real example, the must-have clauses and the mistakes that turn it into wet paper.
Read more → 2026-06-25Proof of income: what works if you're self-employed
No payroll and the bank wants proof of income. Here's the real list of what they accept, how to assemble it if you're self-employed and which documents complement.
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