Some time ago I had a note with nostr:npub1l2vyh47mk2p0qlsku7hg0vn29faehy9hy34ygaclpn66ukqp3afqutajft about how to survive an inflationary environment. I see a lot of interest in it as well as nostr:npub14mcddvsjsflnhgw7vxykz0ndfqj0rq04v7cjq5nnc95ftld0pv3shcfrlx visit to our country recently. It is not that we live badly in Argentina, but reality always forces us to be doing math and numbers. I will leave the reference note in the comments section.

In that note I talked about how fiat schemes always have weaknesses. That is why it is important to exploit them on a daily basis. Just as inflation wears you down daily.

In the case of Argentina, a potential weakness is this: the banking system is obliged to maintain an interest rate slightly above inflation so the purchasing power is not destroyed as well as their own bank earnings. Secondarily, many short credit options allow that inflation to be absorbed by another entity.

Therefore you can, for example, at the beginning of the month, think about how many expenses you will have, and create a fixed bank term for a period of 30 days for those expenses. We will use a credit card to make purchases for the whole month and we can pay them next month with the money of the bank fixed term and even get interest to get some sats the next month.

So, here's my June Numbers:

- How much will I have in fixed expenses?: Approximately 175,000 Argentine Pesos (in fact I spend a little less).

- How much is the bank interest rate?: 97% Annual. 8.08% Monthly. 161,29% compound annual interest.

- Perfect. So we created a fixed bank term for 175,000 pesos for 30 days (approximately 354 Usd (1 USD = 494 Argentine Pesos) and 1320551 sats to that date).

What were my fixed expenses in June which I comfortably paid with my credit cards (in Argentine Pesos, I think some will be surprised at how cheap the services are here):

* Water Deparment: 2812,5

* Chacarita Juniors Membership (Football Team): 2500

* Cellphone: 5479,61

* Gas Department: 392,41 (Yes, less than a Usd in Gas Department, Welcome to Argentina. I Have 2 Gas Stoves in my Home).

* Electricity: 3211,53

* Apartment Rent: 68112,47

* Lighting and public cleaning: 2673,24

* College of Physicians: 21857

* Gas: 38390,49

* Total: 145429,25

- Now, what was inflation in June: 6%.

Next month I will have to pay those expenses to my credit card. But I will also receive the money and interest from my bank account at the beginning of the month. So here are some conclusions:

* June Inflation absorbed by my credit cards: 6%

* Interest Earned for my 30-day bank fixed term: 8.08%

* Fiat earnings after absorbed inflation: 2.08%

In numbers:

* Expenses: 145429,25

* Post interest profits: 189582,75

* Balance: +44153,5 (What can buy about 274844 sats in nostr:npub1p2psats79rypr8lpnl9t5qdekfp700x660qsgw284xvq4s09lqrqqk3m82 or nostr:npub1yul83qxn35u607er3m7039t6rddj06qezfagfqlfw4qk5z5slrfqu8ncdu).

-- The next month, we start again the cicle --

This has only covered fixed costs, but surely there are people smarter than me who will be able to apply it better to other schemes. Everyone here in Argentina can access a bank account with an ID. Even without having a credit card we could make the first payment of the month with savings money and start applying the scheme from the second month with the benefits obtained. Although mostly many banks and fintechs will never deny a credit card even with small values.

As a small fact, there are even more radical benefits in our country to absorb inflation in the basic day:

* Supermarkets offer 20% discount some days with some means of payment.

* Butchers offer 35% discount on weekends with some means of payment.

* There are still offers with 3 to 6 months of installments without interest in credit card purchases (this still amazes me).

As a final thoughts to quote Max Kaiser we live in a system of financial fraud. If there is inflation, someone is profiting from it. Look for the weaknesses of your fiat system, apply it against it, close the cycle by buying sats.

Another day I will explain how there are companies that benefit from inflation, is not only a government phenomenon. I dedicate this post to any people who can be helped with this tips, and any comments I will happily answer.

I thank the people who every day in #Nostr change the way I communicate:

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- and you (see you in space Cowboy) 🌌