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High inflation? 12 tips for not blowing the month of the budget (and even save)

10.27.2015

This article was translated by an automatic translation system, and was therefore not reviewed by people.

 

 

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Account electricity, gas, petrol, onions, meat. Prices are up, and inflation accumulated in 12 months has been around close to 10%. In this scenario, how to stretch the salary until the end of the month and perhaps be able to save a little for the future?

The UOL heard three experts on the subject: economist Samy Dana, professor of FGV-SP, financial educator André Massaro and financial planner Janser Rojo.

Below are 12 tips to reorganize the family budget and survive the crisis.

1) Exterminate debts

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Debts have interest, high costs and growing fast. So who is indebted to solve it first. "The recommendation is to do nothing before taking care of debts:. Not investing money, not make new debt Who is in debt does not have to make emergency reserve; nothing into debt preemptively," says André Massaro. In this situation, we must be strict. "Cut in the same flesh," he says.

2) Breaking the taboo and have frank conversations

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For those who do not live alone, as couples and families, Janser Rojo says you have to talk about the family budget in an open and transparent manner, without keeping secrets. "It's still a taboo to talk about money. The parents hide their children how much gain. Often, a couple, one does not know what is the salary of the other", he says. "It's important to have transparency and fight together for the goals."

3) To elect a leader and involve all

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"In a couple or between parents and children in general, one is more organized. It is a natural tendency," says Rojo. You can elect that person as leader of the budget in the house, he says. Others, however, need to agree and participate. "If the woman of the house is the leading, for example, it depends on what all family members have the discipline to save and deliver you the invoices, lefties expenses and so on."

4) Set goals and priorities

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It is necessary that the person, couple or family define what are your short-, medium and long term. For example: in the short term, make a holiday trip; in the medium term, change cars; in the long run, pay for college for children or retire with a good quality of life. This helps to bring people together in pursuit of common goals and motivate them.

"Deciding what is a priority helps to stay focused and avoid waste," says Rojo. "There's no point buying a gift today to please his son and next month to find out that can not afford the tuition of the college," said Massaro.

5) Making choices

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The financial life involves choices and waivers, according to Samy Dana. "It's almost impossible for a person to have everything you want, for the sake of money and time too," he says. From the moment that the objectives and priorities are clear, you can define what you can give up.

This choice depends on each case. "It is necessary that everyone knows which gives you more happiness to be able to choose where to cut expenses," says Dana. For example, a person who loves traveling can let go to the beach every weekend to go abroad at the end of the year. Already a person who is pleased with the coffee or sweet outside the home may consider essential to maintain this "little treat".

6) Review contracts

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Before hiring a service, consumers generally do a search to see what the best value for your case, but then he forgets it. "What you initially hired can not be good after ten months," says Dana. Some examples are the plans of telephony, mobile, cable TV or internet, and bank rate and annual fee credit card. So from time to time it is necessary to review these contracts. "The more faithful you are to your service provider, you lose more money."

7) Changing consumer habits

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In recent years, the Brazilian took bad habits of consumption, according to Massaro, with impulsive purchases, doing accounts, as an immature and dazzled consumers. It's time to change, he says. "We have to be more critical in our consumption. Always ask yourself if it is really necessary, do not make purchasing decisions within a business establishment, tame our consumerist impulse, think critically before taking the card from his pocket," he says.

8) Place the expenses at the tip of the pencil

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Before deciding where to cut, you must know where the money is going. It is important to put everything on paper, literally, to be able to see and think better. "From memory, we usually get lost a bit," said Massaro.

There are several ways to do this: keep a paper jam in the fridge where all the expenses note, leave a book on the table, download an application on your phone, use sites or spreadsheet in Excel, for example. Financial controls can be made once a month when the salary falls, for example. But the cost control should be done daily, noting the costs on, and when it consolidated earnings.

9) Rate expenses

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Experts recommend classifying expenses into different categories. The names vary but the general idea is the same.

Or basic needs: survival are fixed costs that you can not move. Examples: housing, food, school, health care, medicine.

Comfort: costs are significant for the quality of life, but may be reduced or suspended if necessary. For example, a family with two cars can have one or no and use public transport. "These are the hardest things to cut, because it generates a greater impact on the lifestyle to which the family is accustomed," says Rojo. "It may be a temporary solution."

Luxury or superfluous: costs are sporadic, usually things that give a little pleasure in life. Examples: buy clothes or books, movies, dining out. "It hurts a little, but it is not something necessary for survival," said Massaro.

Waste: can be cut without any impact on quality of life. "Just wasted money," according to Massaro. For example: registration at the gym for those who do not use or cable TV with multiple channels for those who only see broadcast TV.

10) Do not over-commit the salary

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Samy Dana recommends committing no more than half of family net income (what free fall in the bank account) on basic survival costs. Another 30% can be allocated to sporadic costs, leisure, and 20% should be spared.

For someone who earns R$ 5,000, for example, the ideal is to limit fixed costs R$ 2,500, use of R$ 1,000 and R$ 1,500 with leisure and other sporadic spending and save the rest, according to Dana.

11) To evaluate the performance and stipulate goals

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At the end of each month, it is important to analyze what happened and ask questions such as: the family is on track to achieve your goals? That attitudes can be changed? For the next month, it can stipulate objective and realistic goals: spend supermarket X, Y with pleasure, Z eating out. "The goal has to be feasible, if not, creates frustration," says Rojo.

12) To review the budget

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From time to time, it is important to review the spending. When satisfied, the ideal is to review at least once a year; if it is not okay, it needs to review immediately; after the bills come on track, worth taking a look every three months, then to space for six months, and so on.


Source: Uol

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