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7 tips to get organized financially

06/23/2016

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

 

 

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No despair, but planning; it is time to rethink our consumption habits

IN News By Minute

Brazil is going through a period of political change and economic, as well, there are many questions that are at the head of the population. A major concern continues to be inflation, which is projected to remain high. So, but that never becomes essential concern for financial education.

So the question remains: how to not go into debt before this reality? The time is of concern, but no despair, but planning. It is time to rethink our consumption habits, especially for products that are having increasing, noting that there are surveys that show that about 20% of families spend are excesses. Cutting them, not only will fit this reality increases as you can also save to make more dreams.

Therefore, it is essential to make a thorough diagnosis of your financial life by putting on paper for a month, all income and expenses, from the smallest to the most expressive. It is essential that the whole family participate in this process. With the real numbers of your finances in hand, it's time to gather the family to discuss cuts and mainly dreams and goals.

It may seem strange to speak of dreams at this point, however, only when you have a goal to achieve is that people really dedicate themselves and carry out the necessary cuts, and many of these will be drastic. So, I cite a few examples of how to save:

1. Save to use the vehicle. Not always need to do everything by car or public transport; floor can be healthy and economical. Moreover, it is important to keep the car revised for unforeseen not burst finances;

2. In relation to transport, another important point is to optimize travel, seeking to optimize the outputs or perform casters with co-workers and friends;

3. The electricity costs are one of the most present excesses. Just think of how long it uses the shower and how often leaves the lights or open the refrigerator. Not to mention the use of television and computer;

4. The use of the telephone should also be rethought, making an analysis of the fixed and mobile values. You need to compare the amount of fees whenever possible. Give preference to the use of landline instead of the mobile phone. The option should be the least expensive and not the most practical;

5. Recycling of products must also be prioritized. Waste in the houses are many, and can recycle from food to clothes and school supplies without losing quality;

6. Before going to the supermarket, make a shopping list and try to leave the kids at home. Also be careful with promotions; how often buy the famous "pay two and get the third" and we lost two of the products;

7. Compare prices when shopping. Whether in shops, supermarkets and even restaurants, it is essential to make this comparison, since the variations are many. Avoid products of "designer".

 

Source: News By Minute

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

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