Clipping of news on Brazilian Culture, Law and Citizenship

By: Luana Cristina de Magalhães Lima
InfoMoney


SÃO PAULO - In times of financial crisis, the need to take control of spending and avoid debt becomes crucial. But the big dilemma is how many people do not blow the household budget. There is an ideal formula for the distribution of income?

According to the Financial Education Specialist Samuel Marques, the starting point is to not acquire debt has an annual budget.

"Many people suffer from a lack of planning and burst lives without knowing it, without seeing the problem. So we must put the numbers on paper and see in advance whether there will be over or lack of resources."

Formula
There is no ideal formula for financial planning to be followed. However, Marques says that there is a rule for the control of expenditure.

"The formula is not ideal, because it depends on family size, the age of each member and other factors. But the general rule is the budget 10/20/70, where 10% of income goes to savings, 20% for the leisure and 70% for general expenses. "

Villains
There are some factors that are used incorrectly so, contribute to the uncontrolled financial.

"I usually call the villains of budget" expenditure ninjas ", between them, any expenditure (not planned) and financial expense, consisting of interest, fines and charges. The analogy to ninjas is because these costs are so difficult to identify as a ninja warrior. "

Tips
To avoid the uncontrolled, the specialist prepared 10 tips:
Spend less than you earn - and know your pay plan is to spend a smaller value than you receive;

Cutting unnecessary spending, such as excessive use of cell;

Take control of your monthly expenses - provide a list of all their expenses;

Take some time to financial planning - take some time on your calendar to organize financially;

Make a list of shopping before going to the supermarket, the fairs and shopping malls - with this, you avoid extra costs and unnecessary;

Have a good control of purchases with a credit card;

Avoid using special checks, because their rates are high;

Prefer to pay on demand - thus the wages of other months is not compromised and there is the possibility of discounts for this payment option;

Adopt the consumption in your home! - Decrease the time of bathing, soap dishes with the tap turned off, turn off the light of the rooms in which no one, etc;

Before you join a financing, calculate interest rates - thus, you will be able to discern whether it is a good deal or not;


Source: Infomoeny

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