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Today, Brazil has more than 60 million people in debt and learning how to get out of debt is not an easy task. But for that, rule number one is to know how to save . So, this article is so important and you can not help but read it. In fact, here are also 33 tips from How to quickly collect money .
It is possible to save money on household activities, car, food, services and even education and health, did you know? ?
Unfortunately, financial education is not taught in Brazilian schools. Like us, our parents and grandfathers also had to learn everything from practice. But has life taught us everything about money or is the financial market always a problem that makes us strange? The answer is closer than we think …
The fact that investing money is just as important as saving money . But why then more than 60 million Brazilians are now in debt? This is the result of a lack of financial literacy.
A little, do you think, perhaps it is even because of the Brazilian culture: one who prefers to "live" to worry about the future. It is a thought similar to the Latin expression Carpe Diem which means "enjoy the day". However, do you really believe that if you know more about the financial market you stop living? If you think about it, you will see that things are not going that way.
A professional investor for example, manages to balance financially at times when the country is going through a crisis or at difficult times. produced at full steam. He usually works every day of the week and enjoys the weekend with his family. He travels, loves the beach, club, friends. Like any Brazilian, he lives life. And, most of the time, you are happy.
Oh, you want to know more about rent, car and food?
Well, if you still do not know what this rule is, it's your chance.
Of course, to repay the debt and start investing, the person must have a good personal financial planning . This control includes, among other things, reducing expenses and saving money. But how to save money? Or, more than that, how save money by earning little ?
How to save money on savings
Amid so much information and advice on how to save money, I have to do a very important warning before listing the best ways to save money.
This warning refers to a question that makes many people, especially novice investors, doubt "How to save money on savings". After all, many Brazilians leave the money saved. But if you have an interest in saving your money in this way, know that you are not saving, as it is itself.
Let's be clear. And before I continue, I have 3 information that you need to know. They are:
1 – Investment
When you invest money, you lend money to a person or a financial, private or governmental institution. In exchange for this loan, you receive interest. When you receive interest, you earn money and earn money afterwards. Investing is synonymous with capital increase .
2 – Loan
This is exactly the opposite of what was said above. When you spend more than you earn, you have to make a loan. And when you do, you pay interest. So you lose money and your financial institution earns money. When you take out a loan, you have to activate the warning sign, because the next step is debt, which can lead to bankruptcy . Hint: Escape Bank Borrowing
3 – Savings
As the name suggests, it should be used in to save your money . In other words, in this case, you would not pay interest and you would not do it either. In fact, I might even have a little interest, right? Even so, it would be almost zero to zero. With that, you will not march to poverty, let alone to wealth.
But, is that really what happens? The answer is no! And, very briefly, I will explain why. Today, saving has a lower income than inflation. What does it mean? That you lose money!
When your money is "invested" in savings, something happens that is very similar to salary. Remember that even earning a little money does not mean that you are poor.
You have the impression that the wages have been frozen for a long time, while the prices of food, fuel and other goods were increasing. There is an imbalance, in this case, the loss of financial badets .
What if my bank goes bankrupt?
So, if you want to save money or know how to make money fast, know that this is by no means the best way. Now, if you are interested in the topic and want to know exactly why you should not save on savings, check out this video:
Why Join Quick Money
1 – Get Out Of Debt
All Right First, who understands How does the financial market work? This is the first reason you should save money.
Now, if you're still stuck on your neck, you have to watch this video.
But there are other reasons that can influence
This is a frequent question for many young people but also for the majority of young women who dream of marry. the perfect wedding. Church, party, decoration, food and drink, services, photography and clothing … These are items that cost money and each wedding should therefore have a financial calendar .
3 – How to raise funds to buy a house?
It is said that whoever wants to own a house, is not it? But, in fact, marriage is not always necessary. The dream of the house itself is part of the plans of many people. And to be realized, this dream must be planned. Whoever wants to buy a house must have financial discipline after all, well beyond entry fees and payments (in the case of property financing), there is always spending with condominium, IPTU, water, electricity and others.
4 – How to collect money for traveling?
Whether on honeymoon, holidays, Christmas or New Year's Eve … Who does not like to travel? Whether at the beach, at the farm or elsewhere. Traveling is one of the most popular habits of Brazilians. However, it is not always possible to pay the entire trip in cash, so, suddenly, is not it? You have to make a plan and the plan is to save money and to reduce the excessive expenses.
Reproduction: Google
5 – How to collect money to buy a car? the subject is addressed to anyone who has already learned that financing a car would only make you lose money . I made an article specifically speaking about this. I quote here a concrete example of vehicle financing, in which buyers lost 30,000 reais. Read there. Well, while you realize that the best way to buy a car is not funded and that you guess what, you will need to save a little of your salary.
6 – Urgency!
You will always need to save money for emergency cases. Unexpected events always occur and if your budget is right, you will need to have a financial reserve . Otherwise, you know, you'll have to make a loan, pay interest and get into debt. And, look, emergency cases can be many and varied, such as repairing a home appliance, illness or resignation from work.
How to save money by doing a little
Well, after this beautiful introduction in which we learn why It is important to save money and why not do it in savings, let's face it! We have listed 33 ways to save money and money faster . We separate the elements into sectors to facilitate your organization when it comes time to get your hands dirty and save money!
This is clbadic, but many people keep the bad habit of letting the lights go when they are not used. The same goes for water: save water, then money. A bath should not take more than 20 minutes. When brushing your teeth, leave the valve closed, for example. These measures are economic and sustainable.
2 – Replace incandescent bulbs with other fluorescent or LED bulbs . Despite a higher initial cost, the economy will be dazzling over time. Research indicates that the economy with LED bulbs can reach 80%, that is, you will quickly recover your small "investment".
3 – Other means of obtaining energy . Look for other ways to get energy, such as solar energy. The initial value of the deployment is high, but the future economy is worth it. Reuse of rainwater is also an economical option, in addition to being sustainable.
4 – A clean air conditioning . Always clean your air conditioning filter as recommended. This maintenance will ensure that the unit is working properly and does not use more energy and energy than necessary. In addition, every time you use the air conditioner, make sure the windows and doors are closed so that the room is more air-conditioned and do not use the maximum power of the unit.
Maintenance must also be performed on all other devices. who can consume more energy than normal. For example, the rubber of the refrigerator, when it is dry, can damage its operation.
5 – Spend less time washing and washing clothes . The iron and the washing machine are devices that consume a lot of energy. Therefore, the less you use, the less electricity you spend. Depending on the quantity of clothes to be disinfected, it is possible to use them once a week.
6 – Decoration stuff. There are several ways to save energy with decorating tips. The use of lighter paint, for example, is part of it. Because bright walls reflect more light and can help illuminate the environment more naturally. Reclaiming used furniture is also a way to save money.
Food
7 – Take a list to the supermarket. Before you go to the grocery store to do your shopping for the day or the week, make a list of missing products. Only buy the necessary, that is, the contents of the list.
8 – Use Species . It may be new, but that's what economists have said. In many places, including the supermarket, it is best to take money alive and count it to not spend more than you need. In the market, for example, it is difficult to calculate the exact value, but it is possible to make a forecast. Different from what you use when you use the card which, for the most part, does not exist any limit.
9 – Research . Do not be lazy to search for products. Of course, you will not need to go to several supermarkets to buy your products. But there are, for example, specialized markets for meat and other cleaning products. Often, the same products, the same brands, have different values depending on the location.
10 – Do the wheels compensate? It all depends on the size of your hunger. It is necessary to badyze places, types of foods and promotions. People often think that the rollers always compensate you because you eat as much as you want. The detail is that your hunger does not always match the size of the restaurant menu. It is worth it to be thoughtful.
11 – Reduce coffee beans ! Many people are addicted to coffee and we will not tell you to never take your coffee again in the morning. But think about it, if every day you spend 2.5 reais in the cafeteria of the corner, throughout the month, reach 75 reais and that, in the year, the value pbades to more than 900 reais. Tip: Earn a few days and reduce your expenses at home.
Car
12 – Have a cheap car! This topic is to open the question about the economy of the car. At first you can save money by buying a cheaper car, whether by its list price, year, IPVA value, insurance, fuel consumption, type fuel, etc.
Driving with "unbalanced" tires reduces their service life. 13 – Calibrate the tires! increases fuel consumption by 3%, according to the mechanics.
14 – Review regularly . It may sound silly, but the redesign done from time to time saves you future headaches and also prevents you from bursting your financial budget . For example, the emptying should be done every 10 000 kilometers in most cars, but if it is not the case, the engine of the car can melt … Well, you know … The value is much higher [19659002] 15 – Air conditioning of vehicles . The use of vehicle air conditioning represents a 20% increase in fuel consumption. However, experts confirm that on roads where the speed is above 60 km / h, the use of air conditioning is more economical. Indeed, the closed windows cause a resistance effect on the vehicle, making it more aerodynamic. Air conditioning also needs maintenance, do not forget!
Services and Recreation
16 – Cable Television, Telephone and Internet . Currently, there are many TV operators, Internet and telephony. Some even work with packages for these 3 services. The variety and the competition make you get good prices when hiring.
Look, I'm not telling you to "make a cat", but to look for the most in your account. By the way, if you usually only look at one or two channels, it's worth checking which individual values, not the package. Now, if you place a few calls, it is useful to see if you can install a prepaid phone. And so on.
17 – Stay tuned for coupons. Discount coupons promote low values most of the time. Stay tuned: some are just facades! There are, for example, collective selling sites and the financial institution itself often encourages discounts, such as at the entrance of cinema or theater.
18 – Club, Theater, Football Games and Shows As quoted above, look for coupons to get discounted tickets. You must also search the internet, some events diversify the values according to the sales platform. In the case of a leisure club, make sure the best choice is to become a member or buy an individual invitation.
19 – Customize your clothes and your shoes Sew, repair, recreate … This is not ugly. If your pants are in good condition but you can not stand them, reconfigure them. Look for customization tips and create a new piece. The same goes for shoes.
Education
20 – Invest in information online. Many people still prefer to read with the book by hand and listen to music with the original CD. However, you do not need to have a collection of these objects, is not it? After reading and listening, make changes. In addition, books, newspapers, magazines and songs have earned their online version, which is more important.
21 – Schools – Whether you are in college or your child is in school, you already know how important education is. Our tip here is just so you can certify the quality. See: It is sometimes more advantageous to pay a college that has included English clbades and tutoring than paying them separately.
Health
22 – Opt for Open Air Academies There are also schools with complete periods that offer sports and culture clbades. As with education, health is an element that should not be cut, according to experts. However, this can be better managed. If you live in a condo that has a gym or near a place with an outdoor gym, opt for them. But if you want to go to the gym, write on paper the travel costs and activities you need.
23 – Generic Remedies Pain is inevitable and often uncontrollable. However, it is now possible to buy generic remedies, which, for the most part, have the same effect and the same composition as the original. Think about it!
24 – Medical Convention . Analysis as well as care of public hospitals in your city. If necessary, make a medical alliance, but study all the options.
25 – Do not Look For Comfort In Shopping You should not be that kind of person who comforts with shopping. The satisfaction of leaving the mall with a handbag is common in most Brazilians. But, as you already know, many Brazilians are in debt. So, do not console yourself with shopping
26 – Avoid opening offer emails. Very common in this era of the Internet is to receive, every day, an email with the main offers. Some irresistible, is not it? The result is that you will buy something you do not necessarily need. So remove the root harm: do not register and do not stop receiving these notifications, but if you receive, do not open.
27 – Learn to Say No This one is not just for kids! By the way, saying no to a child is very difficult, but know that it can be beneficial. As we do not have the culture to learn finance at school, you will need to teach it to your child in a practical way. And also for you. When your friends come to offer products from their stores, have the strength to say no. Do not just buy to please him, there are other ways to do it.
28 – Record of expenditure . As we have seen in other texts, Personal Financial Planning is essential to a balanced financial life . Even more here, we focus on the monetary economy. Therefore, record all your expenses, keep the receipts, as indicated in the envelope technique .
29 – Do not leave the parcels late . We have already seen that paying interest leaves us poor. And when we pay bills late, we pay interest. So, keep the financial control and pay everything in advance, before the due date.
30 – Use the credit card only for the payment of an interest-free deposit. We have already talked a lot about the credit card, but it is never too much: the best use is to install the bill, but only if it does not have any interests. Because paying interest, it's going towards poverty.
31 – Eliminate dependencies. In this regard, let's not talk about your habits or bad habits. But, the alert is for the economy. So, when you reduce your dependencies, you save money automatically. And look, addictions can be many, like cigarettes, drinks, etc.
32 – Do not fall for the jokes of the bank. It is important to know more about the financial market and this is one of the reasons: do not fall into the temptations of the banking sector. Those in charge of these institutions have the bad habit of saying things that are not always true. Today, for example, you have found that savings are not necessarily as safe as they say. And the capitalizations, what do you think? So, before signing a paper, stay tuned.
33 – Define your priorities. And cut the excess. We have already mentioned that education and health are considered priorities, is not it? Now we can not say as much about clothing and technology, for example.
In Brief …
At the beginning of the text, you found that more than 60 million Brazilians are in debt. The main cause of this phenomenon is the payment of interest, most of the time. , from loans. Loans are made because people spend more than they earn, which often happens in compulsive purchases.
You also saw that save money this is not only book for the future, but also a quiet and balanced life in the present. We also mention the different reasons why you should save money . And finally, we show 33 simple and easy ways to collect money quickly .
In conclusion: if you have debts and want to make them disappear; if you intend to get married, buy a house or travel; if you want to have a balanced financial life or if you want to be prepared for any crisis you are going through … Then … You must know how to save money on your day to day .
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2 – Replace incandescent bulbs with other fluorescent or LED bulbs . Despite a higher initial cost, the economy will be dazzling over time. Research indicates that the economy with LED bulbs can reach 80%, that is, you will quickly recover your small "investment".
3 – Other means of obtaining energy . Look for other ways to get energy, such as solar energy. The initial value of the deployment is high, but the future economy is worth it. Reuse of rainwater is also an economical option, in addition to being sustainable.
4 – A clean air conditioning . Always clean your air conditioning filter as recommended. This maintenance will ensure that the unit is working properly and does not use more energy and energy than necessary. In addition, every time you use the air conditioner, make sure the windows and doors are closed so that the room is more air-conditioned and do not use the maximum power of the unit.
Maintenance must also be performed on all other devices. who can consume more energy than normal. For example, the rubber of the refrigerator, when it is dry, can damage its operation.
5 – Spend less time washing and washing clothes . The iron and the washing machine are devices that consume a lot of energy. Therefore, the less you use, the less electricity you spend. Depending on the quantity of clothes to be disinfected, it is possible to use them once a week.
6 – Decoration stuff. There are several ways to save energy with decorating tips. The use of lighter paint, for example, is part of it. Because bright walls reflect more light and can help illuminate the environment more naturally. Reclaiming used furniture is also a way to save money.
Food
7 – Take a list to the supermarket. Before you go to the grocery store to do your shopping for the day or the week, make a list of missing products. Only buy the necessary, that is, the contents of the list.
8 – Use Species . It may be new, but that's what economists have said. In many places, including the supermarket, it is best to take money alive and count it to not spend more than you need. In the market, for example, it is difficult to calculate the exact value, but it is possible to make a forecast. Different from what you use when you use the card which, for the most part, does not exist any limit.
9 – Research . Do not be lazy to search for products. Of course, you will not need to go to several supermarkets to buy your products. But there are, for example, specialized markets for meat and other cleaning products. Often, the same products, the same brands, have different values depending on the location.
10 – Do the wheels compensate? It all depends on the size of your hunger. It is necessary to badyze places, types of foods and promotions. People often think that the rollers always compensate you because you eat as much as you want. The detail is that your hunger does not always match the size of the restaurant menu. It is worth it to be thoughtful.
11 – Reduce coffee beans ! Many people are addicted to coffee and we will not tell you to never take your coffee again in the morning. But think about it, if every day you spend 2.5 reais in the cafeteria of the corner, throughout the month, reach 75 reais and that, in the year, the value pbades to more than 900 reais. Tip: Earn a few days and reduce your expenses at home.
Car
12 – Have a cheap car! This topic is to open the question about the economy of the car. At first you can save money by buying a cheaper car, whether by its list price, year, IPVA value, insurance, fuel consumption, type fuel, etc.
Driving with "unbalanced" tires reduces their service life. 13 – Calibrate the tires! increases fuel consumption by 3%, according to the mechanics.14 – Review regularly . It may sound silly, but the redesign done from time to time saves you future headaches and also prevents you from bursting your financial budget . For example, the emptying should be done every 10 000 kilometers in most cars, but if it is not the case, the engine of the car can melt … Well, you know … The value is much higher [19659002] 15 – Air conditioning of vehicles . The use of vehicle air conditioning represents a 20% increase in fuel consumption. However, experts confirm that on roads where the speed is above 60 km / h, the use of air conditioning is more economical. Indeed, the closed windows cause a resistance effect on the vehicle, making it more aerodynamic. Air conditioning also needs maintenance, do not forget!
Services and Recreation
16 – Cable Television, Telephone and Internet . Currently, there are many TV operators, Internet and telephony. Some even work with packages for these 3 services. The variety and the competition make you get good prices when hiring.
Look, I'm not telling you to "make a cat", but to look for the most in your account. By the way, if you usually only look at one or two channels, it's worth checking which individual values, not the package. Now, if you place a few calls, it is useful to see if you can install a prepaid phone. And so on.
17 – Stay tuned for coupons. Discount coupons promote low values most of the time. Stay tuned: some are just facades! There are, for example, collective selling sites and the financial institution itself often encourages discounts, such as at the entrance of cinema or theater.
18 – Club, Theater, Football Games and Shows As quoted above, look for coupons to get discounted tickets. You must also search the internet, some events diversify the values according to the sales platform. In the case of a leisure club, make sure the best choice is to become a member or buy an individual invitation.
19 – Customize your clothes and your shoes Sew, repair, recreate … This is not ugly. If your pants are in good condition but you can not stand them, reconfigure them. Look for customization tips and create a new piece. The same goes for shoes.
Education
20 – Invest in information online. Many people still prefer to read with the book by hand and listen to music with the original CD. However, you do not need to have a collection of these objects, is not it? After reading and listening, make changes. In addition, books, newspapers, magazines and songs have earned their online version, which is more important.
21 – Schools – Whether you are in college or your child is in school, you already know how important education is. Our tip here is just so you can certify the quality. See: It is sometimes more advantageous to pay a college that has included English clbades and tutoring than paying them separately.
Health
22 – Opt for Open Air Academies There are also schools with complete periods that offer sports and culture clbades. As with education, health is an element that should not be cut, according to experts. However, this can be better managed. If you live in a condo that has a gym or near a place with an outdoor gym, opt for them. But if you want to go to the gym, write on paper the travel costs and activities you need.
23 – Generic Remedies Pain is inevitable and often uncontrollable. However, it is now possible to buy generic remedies, which, for the most part, have the same effect and the same composition as the original. Think about it!
24 – Medical Convention . Analysis as well as care of public hospitals in your city. If necessary, make a medical alliance, but study all the options.
25 – Do not Look For Comfort In Shopping You should not be that kind of person who comforts with shopping. The satisfaction of leaving the mall with a handbag is common in most Brazilians. But, as you already know, many Brazilians are in debt. So, do not console yourself with shopping26 – Avoid opening offer emails. Very common in this era of the Internet is to receive, every day, an email with the main offers. Some irresistible, is not it? The result is that you will buy something you do not necessarily need. So remove the root harm: do not register and do not stop receiving these notifications, but if you receive, do not open.
27 – Learn to Say No This one is not just for kids! By the way, saying no to a child is very difficult, but know that it can be beneficial. As we do not have the culture to learn finance at school, you will need to teach it to your child in a practical way. And also for you. When your friends come to offer products from their stores, have the strength to say no. Do not just buy to please him, there are other ways to do it.
28 – Record of expenditure . As we have seen in other texts, Personal Financial Planning is essential to a balanced financial life . Even more here, we focus on the monetary economy. Therefore, record all your expenses, keep the receipts, as indicated in the envelope technique .
29 – Do not leave the parcels late . We have already seen that paying interest leaves us poor. And when we pay bills late, we pay interest. So, keep the financial control and pay everything in advance, before the due date.
30 – Use the credit card only for the payment of an interest-free deposit. We have already talked a lot about the credit card, but it is never too much: the best use is to install the bill, but only if it does not have any interests. Because paying interest, it's going towards poverty.
31 – Eliminate dependencies. In this regard, let's not talk about your habits or bad habits. But, the alert is for the economy. So, when you reduce your dependencies, you save money automatically. And look, addictions can be many, like cigarettes, drinks, etc.
32 – Do not fall for the jokes of the bank. It is important to know more about the financial market and this is one of the reasons: do not fall into the temptations of the banking sector. Those in charge of these institutions have the bad habit of saying things that are not always true. Today, for example, you have found that savings are not necessarily as safe as they say. And the capitalizations, what do you think? So, before signing a paper, stay tuned.33 – Define your priorities. And cut the excess. We have already mentioned that education and health are considered priorities, is not it? Now we can not say as much about clothing and technology, for example.
In Brief …
At the beginning of the text, you found that more than 60 million Brazilians are in debt. The main cause of this phenomenon is the payment of interest, most of the time. , from loans. Loans are made because people spend more than they earn, which often happens in compulsive purchases.
You also saw that save money this is not only book for the future, but also a quiet and balanced life in the present. We also mention the different reasons why you should save money . And finally, we show 33 simple and easy ways to collect money quickly .
In conclusion: if you have debts and want to make them disappear; if you intend to get married, buy a house or travel; if you want to have a balanced financial life or if you want to be prepared for any crisis you are going through … Then … You must know how to save money on your day to day .
