Clipping of news on Brazilian Culture, Law and Citizenship
08/30/2016
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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According to Wallace Milis, it is essential to work with domestic budget and get rid of debts that have high costs, such as overdrafts
Having control of spending is critical to not accumulate debt
Photo: Disclosure
Staying in the red and can not pay off all debts of the month is a concern that affects much of the population. Even with notes and financial budgets, have full control of monthly expenses is still a problem for many people.
In addition to the famous lists and spreadsheets in Excel, many mobile applications also help to have a control. Some allow the user to list all expenses, with values and other information, and to call attention to the payment of debts and positive or negative jump.
According to the professor and economist Wallace Milis, it is essential to work with domestic budget and get rid of debts that have high expenses, such as overdrafts and credit cards.
"Working with domestic budget means designing what will get money in the future and to control expenses monthly, weekly or even daily. From a financial point of view, one must exchange liabilities, get out of debt with high charges. special checks and credit cards are the champions in this category, "he explains.
Other simple methods can also be used to control the debt and reduce the budget at the end of the month. Check out some tips Economist:
Negotiations
Find negotiations of fixed debts can help reduce spending. Change health plan to a cheaper category, change the signature of cable television for a better account, are some examples that can be put into practice.
Separate debts
Differentiate debts variables (supermarket, restaurant, entertainment) of you stay you do not have to give (rent, electricity bill, water).
Setting goals
Make a projection and always seek to spend less next month. If spent R$ 600 at the grocery store, for example, set a goal of spending
R$ 500 next month.
moonlighting
Find activities that can yield some "extra" later this month. The necessity entrepreneurship has grown and people are looking for alternatives to use the free time with something that can serve as an income supplement.
Organization
Whether using spreadsheets, mobile apps or books, note what has been predicted to come and everything will be spent, it helps to have control and not spend beyond what can.
avoid expenses
Many people accumulate assets that bring no return and only mean spending. The ideal is to try to sell these goods and get rid of unnecessary expenses.
invest right
Putting money on things that can make money and less on things that yield costs. Choose to put money in the fixed income market rather than change the car for a newer, for example.
No credits
Break away from the sources of credit and discontinue use of any type of financing is a requirement of the time.
reuse
Try to reuse as much as possible and to recycle products that can still be used. Instead of buying a new shoe, for example, take one that can still be used to shoemaker.
Source: Folha Victory
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This article was translated by an automatic translation system, and was therefore not reviewed by people.