Clipping of news on Brazilian Culture, Law and Citizenship
08/10/2016
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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For Brazil Economic
You can take advantage of new technologies and download apps to help you track your spending; know the main ways to avoid debt
Do not buy on impulse is a good way to control spending
Do the control of personal spending is essential to prevent the emergence of debts. Many people have monthly costs that can be reduced or even cut completely, but never stopped to assess.
In addition, there are a number of other techniques that allow greater control of personal fnance, ensuring that consumers are able to balance properly your earnings and expenses. Check out some of them and find out why it is important to apply them:
1) Mobile Apps
Take advantage of new technologies to better control your expenses throughout the month. There are applications that allow you to easily check the amount that is still available and what should be saved as a savings.
With these platforms, the process of saving the expenses on a spreadsheet has become much easier, preventing the person to lose time to make the records and end up giving up or forgetting something.
2) Make a list of debts
It is important to have the exact dimension of how much you owe. So let noted all creditors, from banks even your friends. From the moment you know who should, the next step is to make another list with the total amount you need to pay.
In these situations, you must also consider the interest, as they will be critical when assessing priorities. It is recommended that the consumer first pay the debts with the highest interest rates.
3) Wait for shopping
If you have seen any item that, at the time, has aroused interest in you as a mobile or clothing, for example, the ideal is to wait a while before actually purchasing.
The recommended is that consumers expect about 30 days. This time will be used to assess whether you continue to want to purchase the product, thus preventing them from being made impulse purchases, which in many cases end up causing unnecessary expenses.
4) Make monthly goals
Something essential to control the finances properly is to have a monthly planjamento. If you know what you want and need to spend your money on that more, it is easier to assess its financial condition.
If you plan to take a trip, for example, you know that part of your money should be earmarked for this purpose, avoiding spending too much with something secondary. Thus, the cost control is simplified.
Source: IG
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This article was translated by an automatic translation system, and was therefore not reviewed by people.