Clipping of news on Brazilian Culture, Law and Citizenship
02.09.2015
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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When we think of organizing our financial lives have to stop and plan all over again
Rio - When we think of organizing our financial lives have to stop and plan all over again. What makes an unfeasible planning is often the simple unwillingness to meet the objectives. Only after this period of full organization, where we put on paper everything we receive and all we spend, we will then leave for the withdrawal process of the things that are not essential. There spending on clothing, recreation and food outside the home, which should be planned. It's like a ritual: everything has to be prepared and the person must really want to change. The same is true when we start a physical activity, a change in behavior is needed. In financial planning, only organized in the best way.
By Roberto Dias do Amaral
QUESTION AND ANSWER
I can not save. I live alone and later this month will never spare money. Where do I begin to organize myself financially?
Camila, e-mail
Camila, to begin organizing your finances, list all you get (income) and all your spending (expenses) through the follow up, either in a simple notebook or a spreadsheet.
You want to control, then at this moment can be annoying, though, it is very important. Now, viewing it, you can make decisions and see what can be changed.
Enjoy the fact that you live alone and use to your advantage to control all waste. Pass the set goals for this planning and follow each monthly target set.
Buy only what you need, avoid unnecessary expenses in clothes that do not need. Things you will not use, or will use a few times. If you pay something to the view is better, prefer; the payment of money often brings greater discounts. Compare prices, buy at the first store, insist on seeking the best.
Ask discounts and credit card only in the latter case: may sound good, which is not true because it only slows or retards a debt.
Do not look for a pattern of life out of your reality, it does not help keep things will not be able to sustain for long. Spend less than you earn, if not, there will come a time when all the money in the world will not pay your bills.
After these changes in thoughts and attitudes have no way to go wrong your planning.
Saving requires a lot of discipline of those in need, especially with regard to sightseeing and shopping trips in general play. Avoid putting yourself in situations that make you think hard about spending. Look leisure travelers who do not spend much. Let's closest family and friends informed of your choice to save money. They influence a lot on expenses as well.
Good luck and be firm.
Roberto Dias do Amaral's coordinator in Accounting from the Estacio de Sa
Source: The Day
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This article was translated by an automatic translation system, and was therefore not reviewed by people.