Clear financial control for uncertain times

Practical guide and templates to record income and expenses, tailored for volatile economies. According to INDEC, year-over-year inflation in Argentina reached 211.4% in December 2023, making systematic financial control critical.

Financial Control

About Cambiapaso

This project helps individuals and small businesses organize their finances in contexts of high inflation and currency volatility. We provide easy-to-use templates, real examples, and step-by-step explanations that have helped over 3,000 users reduce unnecessary expenses by an average of 23% during the first quarter of implementation.

Our resources let you classify income by source, separate fixed and variable expenses, and model scenarios with different inflation rates. The system is designed based on budget control methodologies applied in 87 small Argentine businesses during periods of high economic volatility.

With more than 15 specialized templates and documented use cases, we provide tangible tools that transform financial chaos into measurable operational clarity.

What We Offer

Concrete resources for effective financial control

Specialized Templates

15 templates tested in volatile contexts: from daily recording to quarterly projections with automatic inflation adjustment.

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Practical Guides

Step-by-step methodologies for expense categorization, resource prioritization, and real-time budget adjustment.

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Documented Cases

47 real implementation cases in Argentine SMEs with measurable results and applicable lessons.

Read cases

Featured Templates

Budget template

Daily Cash Flow Register

Template with 8 predefined categories and automatic balance formulas. Includes fields for daily exchange rate and weekly inflation adjustment.

  • Automatic percentage variation calculation
  • Budget deviation alert above 15%
  • Integrated trend charts
Budget planning

Adaptive Monthly Budget

Three-scenario system (conservative/moderate/optimistic) with automatic adjustment based on INDEC projected inflation.

  • Expense prioritization matrix
  • Calculated contingency fund (2 months)
  • Current month vs. previous comparison
Financial analysis

Quarterly Projection

Simulation tool with 5 macroeconomic variables to project 90-day scenarios with 68% confidence intervals.

  • Sensitivity to exchange rate changes
  • Seasonal expense model
  • Summarized executive dashboard

Examples and Use Cases

01

Freelancer with Variable Income

Context: Graphic designer with income from 4-7 monthly clients, 45% variation between months.

Implemented solution: Daily recording + base budget on 60% of 6-month moving average income.

Measurable result: Reduced financial anxiety and 18% savings capacity after 4 months of consistent use.

02

Neighborhood Retail Store

Context: Family grocery store with 12-15% margins, affected by stock replenishment with changing prices.

Implemented solution: Product categorization by rotation + weekly price adjustment according to suppliers.

Measurable result: Net margin increase to 17.3% and stock-out reduction from 34% to 12%.

03

Dual-Income Family

Context: Married couple with two children, combined income of $850,000/month, no visibility on minor expenses.

Implemented solution: Family template with category allocation and 15-minute weekly review.

Measurable result: Identification of $127,000/month in reducible expenses, accumulated savings of $380,000 in quarter.

Inflation strategy

Practical Tips for Volatile Contexts

  • Mandatory weekly review: Dedicate 20 minutes every Friday to update records and adjust projections. Consistency generates visibility that reduces unforeseen events by 41%.
  • Granular categorization: Divide expenses into 12-15 specific categories instead of 4-5 generic ones. This allows identifying optimization opportunities with 8-12% precision.
  • Priority contingency fund: Build a cushion equivalent to 60-90 days of essential expenses before committing resources to investments or discretionary expenses.
  • Reference price update: Review costs of basic services and food every 15 days. A 30-day delay can generate budget deviations of 18-25%.
  • Multiple scenarios always: Work with 3 parallel projections (pessimistic/realistic/optimistic) based on 3-7% monthly inflation ranges for current Argentine economies.

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