Clipping of news on Brazilian Culture, Law and Citizenship
04/18/2016
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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Source: Survey
Without realizing it, during the times of plenty, the Brazilian put in the family budget in recent years a large share of spending on services such as mobile plans, internet packages, cable TV and streaming.
Now, you are having to re-evaluate these additional costs, which do not seem to weigh heavily when viewed in isolation, but that may exceed 20% of total income when added.
Faced with the economic crisis affecting the country, the financial education program consultant of the electric pension fund Cesp (Funcesp), Ricardo Figueiredo says that the time is to re-evaluate all the costs of goods and services.
For him, there are a number of expenses that undermine the budget and often end up not being enjoyed by the family. They are therefore perfectly dispensable.
The consultant says that during the full period of the economy, when the salary of the population was more valued and were common bonuses and profit sharing, the Brazilian had the feeling of being richer.
"With this reality, we began to commit more of our finances more expensive services and filled with possibilities. This is the case of pay TV superpacotes, in which the customer pays for a number of additional channels but actually only used the channel that was used to seeing, "said Figueiredo.
The consultant brings some important tips that can help consumers time to re-evaluate the budget and prioritize their spending. Check it.
1) Cable: sinning by excess
The issue of cable TV has become for Funcesp consultant the clearest example of this new reality.
According to Figueiredo, in most cases the population pays for a number of channels, but in reality enjoys only a small part of them.
"People today have an excellent pay-TV package, but have no financial reserves. The big question is whether they really need all this package, or another plan, cheaper, would not be enough, "he asks.
2) Phone Plans
Another relevant example of unnecessary spending are the major telephony plans. Often the consumer pays for packages that include a range of benefits, free long-distance calls and facilities and the customer never needs to use.
It is important to pay attention to the phone bill and analyze these additional expenses.
3) Video Streaming Services: luxury or exaggeration?
The streaming video services, which became famous and popular with the entry of Netflix in the market, also enter the consultant's account as expenses that must be analyzed.
For him, these services often offer facilities or products that consumers can find on the internet for free.
Another case is also the frequency of use of the service that can not compensate for the amount paid.
4) Music paid by internet
This is another classic Super expense. The music services and pay the internet can be used, in most cases, dispensable.
Ricardo Figueiredo, "again we face the question of need. Do we have only these possibilities services with these prices and conditions? ".
On the Internet, the ease with which music is available often makes these services an overstatement of expenses.
"Consumers should assess their real needs to decide which points to cut the budget."
5) Addicts in new equipment
The consultant also points out that it is necessary to reevaluate the goods considered "top line" that are acquired as cell phones and shoes.
For Figueiredo, people should always be alert not to confuse need with personal desire. "When we buy a mobile" top line "we must always ask ourselves why we are taking this and not that other cheaper and with the functions we need."
This spending review appears as an opportunity for people to create their own reserves to face difficult economic times.
The consultant points out the importance of each family have their reservations and warns of the risks that negligence regarding this precaution can bring.
"We no longer live that good moment of the economy, we must readjust ourselves to go through the crisis without compromising our quality of life."
Source: Survey
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This article was translated by an automatic translation system, and was therefore not reviewed by people.