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A new year and a new chance to build good relationships with money. The will to do this is almost never lacking, but the truth is that few Brazilians really know how much they earn and how much they spend month by month – which is a fundamental step in getting everything right in household accounts.
– First, list these monthly expenses in the worksheets. Many people forget to take into account expenses, and that is a big mistake. It is also necessary to connect the fixed accounts of the house. From there, it is possible to think about how to invest the remaining money or, if there is no surplus, to reduce the accounts, ie -d. What exchanges need to do – recommended the financial planner and partner of the financial investment company By But, Annalisa Dal Zotto, supplementing: – Have goals is very important. And one of them may be paying off his debts.
This should actually be the goal of many people. According to data from the Central Bank (BC), more than 60 million Brazilians are in default. To come out of the red, the advice of experts is primarily to avoid overdraft and partial payment of the credit card, because both have very high interest rates. Getting a loan at the bank is usually cheaper, especially if it is taken into account (with a reduction in payroll). It is also necessary to try to renegotiate the debt, by exposing its financial situation and by demonstrating its intention to reduce it, by asking for a lowering of interest rates and an increase in the number of payments. But there is the warning: do not make new agreements without being able to respect them, because the situation with the creditor can complicate matters in this case.
If there is no funding outstanding for 2019, it is possible – and advisable – to save money. Yan Borges, 28, geophysicist:
In general, at the beginning of the year, I estimate what I want to have at the end of the year, and I calculate how much I have to collect from my salary each month and how much he will bring me back. return.
Have Goals of Economics
For Yan, having a goal helps you think about the usefulness of things before making purchases, so how to look for more price and terms of payment. Guilherme de Almeida Prado:
– The secret is to have goals, whether it's buying a property, taking a family trip or an exchange. This helps you make several financial decisions throughout the year by setting priorities. Prado said
Knowing where to keep each month also depends on where the money will be used. According to experts, if the amount is spent in a short period of time, the savings account is the best investment. For medium-term expenses, the tip is applied to CBD, direct cash or an investment fund. How to maintain financial health
Do not delay accounts
even if there is no charge
Anticipate Payments
Also consider anticipating the payment of credits if you have money, since the fixed income fund gain is less than the cost of financing.
Even essential expenses, such as rent, can be reduced if the search for the price is good. ] Expenditure Monitor
In addition, water, telephone and electricity bills, on average, have a surplus of 20%.
Plan Purchases
Before you go to the market, it is important not to buy the missing items.
Search Remission
In-store, check for the possibility of discounts for cash payments. The reduction can reach 20%.
Map Control
The concentration of spending on a single credit card provides benefits such as annuity exemption, loyalty program scores and easier control des
Examine the conditions
Search credit card companies for a payment with interest not exceeding 3% per month and whose installments are a monthly income
Schedule Expenses
Commemorative Travel Expenses record everything on a spreadsheet.
Plan Your Vacation
If you know the month of your departure on vacation, start looking for packages and tickets and avoid last minute inflation. Source Jorna Extra
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