Some 43 percent of Mexican workers spend more than they make, either because of unexpected expenses or due to mismanagement, a new survey found.

Thirty-four percent of respondents said they "sometimes" spent more than they made and 23 percent said they "never" spent more than they earned.

Of those who always or sometimes spend more than they make, 46 percent of respondents said it was because they had a hard time making ends meet on their pay, 40 percent said it was due to unexpected expenses and 14 percent said they had a taste for the finer things in life.

The survey of more than 2,800 consumers found that 41 percent of respondents dip into savings to cover extra expenses, 28 percent use credit cards and 21 percent take out loans to cover living expenses.

Workers should budget in an effort to avoid "last-minute surprises and end up in debt, since debt is a snowball that is usually hard to stop," director general Margarita Chico said.

"People seem to think that the possibility of saving only comes if you make more and it's not that way ... to have more savings ... we have to try to consume fewer unnecessary things," Chico said.

Of the Mexicans who say they do not spend more than they make, some 54 percent credited strict budgeting, 41 percent said they had low expenses and 5 percent said they earned enough to live on.

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