Clipping of news on Brazilian Culture, Law and Citizenship
10.13.2015
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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Young adult relaxed, carefree
Tranquility: Organization is the key to keeping the budget in Blue
Although 35% of people in debt situation can not pay your bills on time because of unemployment, a significant portion (29%) delay payments because of financial lack.
The information, which are part of the search profile defaulting August held by Boa Vista SCPC of 1,006 consumers shows that many budgets do not simply close the lack of organization, more insurmountable the problem that unemployment and the solution can be extremely simple, since it is only a matter of balancing revenues and expenses.
But keep this balance has not been an easy task for you, there are some simple tips that can help you be more organized with your money. Check out the following:
1) Organize your wallet
Amazingly, organize their portfolio can be something surprisingly useful for organizing the budget. By bringing together the cards that are lost in your wallet, you can remember to close one bank account that is standing for years, and cancel the cards whose tuition and fees are being debited from your account without you noticing.
Cleaning the portfolio can also help you find loyalty cards, such as those of Starbucks allowing earn a free drink every ten bought, or vouchers for discounts and amenities that can yield some savings.
Exercise may still be important for you to gather recent receipts for purchases and realize more clearly how you have used your money.
2) Start once and for all your spreadsheet spending
If you've thought several times to start using a spreadsheet of expenses, but in each of them finished the thought with an "after I solve" psychology can help you change that.
According to scholars of behavioral finance, branch of economic psychology that studies the emotions behind our financial decisions, this procrastination happens because the so-called bias of inertia, which is nothing more than an unfounded belief in our ability to perform things in the future.
The antidote to this is to realize that no, you will not make it on the weekend or at another time, so the time to start your planning is now.
Today there are even applications that populate the spreadsheet for you, such as the GuiaBolso: to insert some data from your checking account on the app, it automatically incorporates its expenditures and revenues (see this and other options spreadsheets spending to the end of matter).
3) Use alerts spending and bank balance
Most banks today offer alert services via e-mail or SMS that bring updated information on the current account balance and expenses incurred on the card. Some allow even the customer to define whether you want to receive the balance of warnings daily, weekly or fortnightly.
This type of notification can help you keep track of spending to avoid you to make some mental calculations that lead you to think that your account is bluer than you think. It is also a great outlet for those who are too lazy to check the balance or afraid of the situation and frustrating.
It is worth talking to your manager to see which services the bank offers so that you keep spending under control.
Some service providers such as telephone companies also offer notifications on accounts by phone or by email.
4) Automate payments and investments
Other banking service that can help you is the automatic investment program. It allows you to program the investment of a certain amount per month in applications such as savings, fixed income funds and others. Similarly, you can also pre-schedule payment of credit card bills and other bills, depending on the service provider.
By marrying the date of the investments and payments to the day of receipt of your salary, you avoid delays and now has a greater commitment to investment, since you no longer invest only when cash left over at the end of the month.
In the case of investments for retirement, this tip can be even more valid. As this type of application requires that contributions are scheduled and performed for a long period it is important to automate the investment to not not do it.
A good way to do this is to invest in the pension plan offered by your company, which besides being an interesting investment option for retirement, is very practical, since investments are discounted monthly employee payroll.
5) Replace your dues by payroll loans
In the same vein to automate payments not to haywire, an interesting way to put your debts is the automatic payroll loans. Besides being the loan with lower market interest rates today, the debt installments are deducted from their payroll.
So before you tower your salary with other expenses and wrap with the loan, the bank deducts the provision of debt its payroll - or pension and retirement in the case of retirees of the INSS.
See why it is worth focusing its debts in payroll loans.
7) Download the banks of applications
Another way to not be late with bill payments and facilitate money transfers and balance inquiries is to download the application from your bank on the phone.
These apps allow the customer to perform most operations that are performed in bank branches or on the bank's website (internet banking). So you do not need to go in an ATM or agency to make their payments and can control your account from anywhere.
In addition to being very practical, applications save you the hassle of having to go to the bank during business hours and queuing.
8) Review the contracted services
On the one hand technology can facilitate your payments, on the other it can also assist service providers in their charges and price adjustments. Therefore, the following items one and two of this list, take time to see which of the services that you pay monthly can be exchanged for other cheaper or replaced by reduced use of packages.
If you hire mobile, fixed and internet services separately, for example, it is worth checking if you do not save money by leveraging combos companies that offer the three services in one package.
If you are not a frequent visitor of the academy, also note if you can reduce expenses when changing a plan that allows daily access to the gym, on the other cheaper, with free access two or three times a week.
Source: Survey
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This article was translated by an automatic translation system, and was therefore not reviewed by people.