Clipping of news on Brazilian Culture, Law and Citizenship
07/08/2014
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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Economics is the spare cash, financial planning is what will make the money left over. What up? What are you needing to leave the hole?
Save or plan?
In today's society, the consumer has an extremely strong interest in the existence of people. Having desires is normal, healthy and motivating. The problem is that some people end up giving priority to purchase, not to control.
It is misleading to think that consumption and consumerism are the same thing.
Consumerism is the compulsion to purchase, usually when emotional is shaken, and hits anyone. The emotional issues are the main causes that lead to indebtedness. Consumption is a concept of need and is considered healthy but we need to keep careful that it does not become a trap, making it an addiction or a constant need.
The debt often occurs when the person who plays in a dangerous situation, many debt contracts bursts overdraft, performs numerous installments on the credit card, in addition to loans. However, debt can also occur beyond the control of debt reasons, such as unforeseen, as such, sickness, accident, unemployment, death or separation.
For this to be avoided, it is necessary for the consumer to take precautionary attitudes. To get "out of the hole" and get rid of debt, the first step is to recognize it. Just know how much can spend without getting in the red, who knows exactly how much goes in and how much goes out of pocket every month. From there, it is possible to define how much and how you can spend.
The first attitude is making a financial housecleaning in the budget in order to check the current status of their accounts. Did you know that saving is different from planning? A good tip is to create a method of control.
♦ How about a spreadsheet?
Write down all fixed and extra expenses, to discover the commitment of its gains. Investigate where you are going every penny, because only then be able to know what are the wasteful spending that can be eliminated. Do not forget to write down all your income and expenses, even those small you make money when you're on the street. You will be amazed how small amounts can affect your bottom line.
♦ Always search for the price of a product in several stores before buying it. It may seem little, but if you can save 10-20%, as will be 10-20% more on your budget.
♦ Only buy what you really need. When buying, remember the question: is desire or need? If it is a necessity in your life will certainly be much more difficult without that product. But, if one wish, you can live without that. This does not mean you can not have the object of your dreams, but have the opportunity and the time to plan the purchase and do it without going into debt. When in doubt, wait 15 days. Compulsive cravings usually disappear after this time and you'll get control over impulsive purchases.
♦ Always make a shopping list at home before going to the grocery store and never shop when you're hungry. Stay tuned and follow your list.
♦ Pay in cash when you have discount. It is always advantageous, because it is a way for you to purchase the product at a cheaper price.
♦ Reduce or if possible, finish with forward purchases. Reduce or stop using the credit card, the same as the check in installments.
♦ Those who choose to continue using the credit card, select a due date of the next card the day of your payment, so you can make the payment of the invoice so you receive your salary. You plan for that expense and prevents your card becomes a source of debt.
♦ When using a credit card to make full payment of the installments. Avoid paying constant minimum invoice. Try to keep track of the balance of your card making periodic visits to the invoice, either online or by phone. Keep an eye to cash purchases because some establishments include interest in the plots without the consumer's consent. Always check.
♦ Avoid using your credit card to make cash withdrawals, especially for low amounts, because the interest rate and the rate charged for this service may be higher than the amount withdrawn.
♦ Beware of Auto Debit. It is important to know how much was spent in the month with water, electricity, telephone, etc.
♦ Do not ask for additional cards. Many people do not know, but the customer benefits are greater when purchases are made on a single card.
♦ Reduce your debts gradually, enjoy the extra income (13th salary, vacation, bonuses) to pay off debts.
♦ Trace goals, but keep your foot down and be realistic in deciding what you want. Set goals to achieve your goals. Make your plan, follow it and from time to time, check how it is going.
♦ In the context of the family, the best tool to avoid debt is dialogue. In this conversation, planning should be the main point. Everyone needs to know exactly where they are, where they intend to reach, the resources available and necessary to achieve the goal efforts. Plan, control and dream family. Define three priority dreams that have different deadlines to be achieved - short (up to one year), medium (up to ten) and long (over ten years). This will be a motivating factor to adjust and drive the family budget, and can even work as an educational element, allowing the future, all family members are aware and realize their own financial planning.
♦ When do financial planning for a very long period, be sure to break it up into small compartments with short term goals. For example, if your plan is to bring true 1200 in a year, try to add 100 dollars a month, or even 3.34 dollars a day if you want to be extremely specific. So turning your big goals into smaller goals you reach your goals more smoothly and realistically.
♦ If you need to enter into a financing for the implementation of certain dreams, not otherwise accessible, it is important to assess whether the parcels, in fact, fit in the budget, taking into account all other expenses and other dreams of short, medium and long term.
♦ Remember, you are not forbidden to dream, to have desires to consume. However, living according to their standard of living. Make choices that fit your budget. If conditions do not permit, look for other more pleasurable and less valuable options.
Finally, make sure that the full and constant satisfaction there, the frustration is part of the life of any human being and the problems will not be solved while shopping. If you became a debt, not punish. Focus on resolving your situation, but do not bring itself to high demands. This creates stress, and fault recovery. In this atmosphere its great financial planning is doomed to failure.
Dream comfortable, but plan first.
Currency Citizen:
http://www.bcb.gov.br/?calculadora
videos:
https://www.youtube.com/watch?v=zulG5r5aO_0
https://www.youtube.com/watch?v=ZPwo6PjHx4w
https://www.youtube.com/watch?v=FebW02LcUec
Source: Procon Carioca
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This article was translated by an automatic translation system, and was therefore not reviewed by people.