Clipping of news on Brazilian Culture, Law and Citizenship
06/16/2016
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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Savings habit is acquired when the short-term reward
R7
Most Brazilians claim to have no money left at the end of the month Getty Images
Pay all bills and still close the month with money is the dream of every Brazilian, but unfortunately reality is walk far. According to research carried out in all the country's capital, in January this year, the SPC Brazil (credit bureau) and CNDL (National Confederation of Shopkeepers), 58.9% of Brazilians claim not left over money in the end month.
But what most do not realize is that out of this situation of financial lack, is not to blame and to abstain from all and cut the pleasure, however, the habit of saving is acquired when we also reward short-term every small advance.
Just to punish, can even bring immediate results, with the bills briefly moving towards balance, with aggressive spending cuts. However, side effects are unpleasant emotional reactions such as anxiety, fear, aggression, and decreased initiative.
Over time, these excesses of punishment can turn into paralysis and the person just give up to live that way, and resume the inappropriate behavior does not save. The short-term reward is essential for the person to feel motivated to continue adjusting the accounts and this behavior over time, it becomes a habit.
Who does not enjoy anything in this, sooner or later give up. To facilitate understanding, I've listed 6 tips to get into the habit of saving, not punish:
1. Place the paper
Write down on paper how much you earn and what your expenses are, and thus know how much you need to save, so that on some money at the end of the month.
2. Where to start the court fees
Once known the value to be saved, leave for cutting expenses. First look for potential waste that go unnoticed, and they typically are in a disadvantageous phone plan, a cable TV package barely used, the banking package, food always plenty and electronic devices that do not use and are connected to the outlet (consume energy and increase the electricity bill). Anyway, before thinking of cutting something, there are a number of expenses that can be eliminated without much change the routine.
3. Identify waste
After hunting stage to waste, choose which relevant expenses can be cut to about some money at month's end, and still allow you a short-term reward, it may be some leisure time, or buy something. It is very common in times of grips in all, people do not allow yourself to buy anything, or have leisure, and just this excessive punishment that will take the right path.
4. Make a habit of rewarding
The reward must be received after winning result and never before and always proportional to their efforts.
5. Create incentives for Saving Plan
Each month choose a different reward such as this will be the month to go to the movies, the month to go in the favorite restaurant or even buy a product. The idea is to remain focused on saving plan, and feel rewarded every month for it. People who overdid the spending in a given month, usually deprived long before any spending, leisure or any situation that feel rewarded.
6. Healthy Financial Habits
Over time behavior to keep the accounts in order to become a habit. Entering this virtuous circle and with more tranquility you can think of new sources of income, and even begin to think about investing in a private pension.
Source: R7
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This article was translated by an automatic translation system, and was therefore not reviewed by people.