Starting small also counts
Saving does not always mean saving thousands of pesos.
If since January 2020 you had only separated$500 MXN every month, you would have built the habit of saving without affecting your budget too much.
In five and a half years (until mid-2026), you would have spent approximately:
$500 MXN per month
66 months of savings
$33,000 MXN invested in total
The interesting thing is that this savings would have been linked to the value of the dollar, instead of remaining solely in Mexican pesos.
Time saving | Monthly contribution | Total contributed |
|---|---|---|
1 year | $500 MXN | $6,000 MXN |
2 years | $500 MXN | $12,000 MXN |
3 years | $500 MXN | $18,000 MXN |
4 years | $500 MXN | $24,000 MXN |
5 years | $500 MXN | $30,000 MXN |
5 years and 6 months | $500 MXN | $33,000 MXN |
This table shows only your contributions. The final value may change depending on the dollar exchange rate.
Why do some people save in dollars?
Because the exchange rate changes over time.
When the peso loses value against the dollar, each dollar is worth more pesos.
That is why many people decide to keep a part of their savings linked to the dollar as a way to diversify their assets.
👉What happens if the dollar goes up and you have USDC?
The importance of consistency
It's not about guessing when to buy.
It's about creating a habit.
Saving a fixed amount each month can help you:
Build financial discipline
Avoid spending that money
Move little by little towards a goal
Over time, small amounts can add up to significant savings.
What if some months the dollar goes down?
That can happen too.
The exchange rate moves constantly.
That's why many people prefer a strategy of regular purchases instead of trying to guess the best time to buy.
This strategy is known asDollar Cost Averaging (DCA).
👉Schedule your purchase and save recurrently in digital dollars and Bitcoin
A simple example
Imagine that for several years you set aside $500 pesos a month.
You don't need to be checking the market every day.
You just build the habit.
In the end, the most valuable thing is not having found "the best day", but having been consistent.
How can you do it on Bitsave?
With Bitsave you can:
Buy digital dollars from small amounts
Schedule automatic purchases
Save on a recurring basis
Manage everything from the app
This way you can build your savings without having to remember every month.
More important than the quantity is to start
Many people delay saving because they think they need a lot of money.
The reality is that creating the habit is usually more important than the initial amount.
$500 pesos a month may not seem like much today, but maintaining that discipline for several years can make a big difference.
Conclusion
No one can predict how the exchange rate will move in the future.
But what you can control is the habit of saving.
If you had started with$500 pesos per month from 2020, today you would have years of constantly building savings.
The best time to start was not always yesterday.
The next best time may be today.
👉Physical dollars vs. Digital dollars: what's the difference?
References
[1] Banco de México – FIX exchange rate
https://www.banxico.org.mx
[2] Circle – USDC Overview
https://www.circle.com/usdc