Clipping of news on Brazilian Culture, Law and Citizenship
11.30.2015
This article was translated by an automatic translation system, and was therefore not reviewed by people.
transparent image
Extra expenses year-end approaching and the outlook is that the economy still has not recovered in 2016. So, Brazilians must take care not to overdo the spending and start the year with balanced resources. According to economists surveyed by the Agency Brazil, not to extrapolate the budget, the recommendation is the old formula of putting the bills on the tip of pencil and planning.
The chief economist of the Credit Protection Service (SPC-Brazil), Marcela Kawauti, explains that a common mistake in the holiday season is just calculate the cost of leisure. "It has to be very careful with that. Has travel, gift, meal, clothes, only in January also have many expenses. When making plans for the 13th and the wages of those two months, have to take everything into consideration not only the Christmas spending New Year and holidays, "he says, noting that expenses such as school supplies, car insurance, property tax and property taxes tend to focus earlier this year.
She points out that most people do not have the habit of doing financial planning. "People spend a lot of time making money. But many people do not spend even one hour a week looking at their planning, "he says. For those who are in debt, the economist of the recommendation is to use the extra income from the year end to settle the obligations. "First, that person should do everything to pay. Be with the 13th, cutting some spending or selling any good. Second, to do a good analysis of your financial life, revise their habits, "he says.
Those who ended 2015 with no debt can celebrate more quiet, but according to Marcela, are not free of the need to review habits, especially taking into account the economic crisis. "There are people who did everything right, is debt. It is the zero-zero. But we do not consider to spend whatever he gets is to live within your pattern. Ideally, everyone made a financial reserve. Vale enjoy the end of the year, this moment of renewal, and start saving. The year 2016 will also be difficult juncture. Whenever there may be an unforeseen "he warns.
Planning
Article about financial planning. Laís Augusto.
The Laís Augusto seller to try to plan, but when spare some money, can not resist buying by impulsoWilson Dias / Agency Brazil
The seller Laís Augusto, 26, says that the most difficult in the planning of your expenses are impulse purchases. "I plan to try, but I can not. When leftover money and appears something I want to buy, buy, even without. If you have any urgency to resort to my mother or my mother to borrow money, "he says. The seller says that you can not save money and lives in the debt limit.
The kitchen assistant Caroline Sami, 22, is more organized. She says it plans its budget thoroughly. "I write down everything you need to spend at the beginning of the month and only spent on this at hand. Also search well before buying things. This makes I can save a little at the end of the month. One thing I do is ever buy to pay later. I buy everything in sight. It is better to join a buck and buy little thing to go into debt, "he believes.
Article about financial planning. Sani Caroline.
In addition to searching for the best price before buying, the kitchen assistant Sami Caroline notes all expenses that fazWilson Dias / Agency Brazil
In the case of student Michele Marques, 38, the monthly planning to happen, but rising prices have hindered compliance. "I plan, I see what is more important, researching prices, but you can not fulfill. Always appears something that needs to buy and we fail to acquire other, because money is short. Especially food items are becoming more expensive, "he complains. This year, not spend beyond the possibilities, her family will make a simple Christmas celebration. "We are planning a much tighter Christmas without both luxury and with little, even just to remember the date," he said.
Adaptation
The economist Gilberto Braga, finance professor at the Faculty of Social Sciences Ibmec, gives tips for those who have difficulty in planning the budget or decide to cut spending. He said the monitoring of expenditure must be adapted to the characteristics of each person. "There are people who notes penny penny and there are people who do a more comprehensive record. Ideally, each with its characteristic, people know what they are using their money, "he says.
According to the economist, the monthly budget should contain the cash inflows and outflows. In the case of exits, he suggests splitting the costs between compulsory and variables. Spending required enter rentals, supermarket, water and electricity, for example. The optional expenses can be listed evenings out or birthday gift buying. The division helps to see where you can cut spending, said Braga. The family can begin to change habits to save on your light, if the account is weighing or exchange a night out by a program with friends at home.
Gilberto Braga also recommends that the form of budget registration is available. "Today there are sophisticated programs that can be purchased, downloaded, but are not friendly to stimulate the average person to use. The ideal is to write down on paper, calendar, notebook, anything that is easy to handle and always with the person, "he says.
Finally, it also recommends to guard in the face of difficult economic times. "The year 2016 will be difficult. While there is this symbiotic crisis, political and economic, the country will be difficult to reverse the situation and re-grow. The ideal is to go making a reservation, "he says. According to Braga, the savings must correspond to at least three months of monthly expenses, so that the family can deal with unforeseen events such as job loss. The economist Marcela Kawauti, SPC Brazil, advocates greater reserve, equivalent to six months of monthly expenses.
Editing: Denise Griesinger
Source: Agency Brazil
To access the site Agency Brazil, click here.
Our news are taken in full of our partner sites. For this reason, we can not change their content even in cases of typographical errors.
transparent image
This article was translated by an automatic translation system, and was therefore not reviewed by people.