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When the crisis arrives, the output is cut

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

 


The impact of the crisis affected the income of the business consultant Roberto da Motta, 42 years. Five years ago he opened an own consultancy since last year and lost four contracts. Added to this, he and his wife, who works in sales and has suffered a decline of commissions, are paying the consortium of a house. "We were covered, choose a house, but did not change. Currently pay rent and the performance of the consortium, "he says.
Experts say the world economy is facing difficult times and will continue. For many families, such as Roberto, the result is a shrinking revenues and the need to adjust the budget, and the solution is to reduce costs. To avoid major problems, the first step is to review spending, real for real.

That is what Roberto did. Considering the difficulties, the alternative was some decrease comfort. "Canceled the TV out and diminish the pleasure. If before saíamos on Saturday and Sunday for dinner or go to the movies, now choose a day in the week only, account. He says that while the couple not to increase family income, the list of unnecessary items to continue decreasing. "It's the only way not to get too."

A key tool is to have a spreadsheet of budget showing exactly how and where to spend. "If a family was not this control before, you have to do now and with urgency," says the director of the course of Economics at PUC-PR, Charlemagne.

According to Ana Paula Mussi Cherobim, coordinator of the laboratory of the family budget UFPR, where the person lives alone is easier to cut spending. "She need not negotiate with anyone." But when it comes to a family, the key is to make a "meeting" and let everyone aware of the need for cuts. "The whole effort is, it is a time of financial education that will be beneficial to the future," he says.

Professor Ana Paula explains that, in addition to cutting non-essential spending, households with lower income variables have the fixed expenses. "Who is not sure how you get to the end of the month should consider changing the children's private school for the public and cut the phone post-paid, for example," he says. Even lacking money for the fixed costs, she notes that it is not recommended to use special checks or finance the debt on the credit card because the interest rates are very high.

Another important tip of specialists is not to save. "Who has saved, is to form a reserve of emergency or to achieve a dream, must persist in this habit," said Charlemagne.

Without frustration

The business consultant Roberto da Motta identified from an analysis of costs, which could be cut in the household budget. But, according to a consultant in economics and psychology professor at PUC-SP Vera Rita de Melo Ferreira this process is not always easy.

She explains that those who can not keep away from spending should seek help. "See that financial planners can give you the most sensible of the crossing period," advises. Vera says that in times of crisis it is natural that people feel frustration at not achieve dreams. "Our life is marked also by the search for satisfaction through consumption. It is best to acknowledge the reality and know that the economy should not change in the short term, "recalls.

Prepare yourself
Some tips for promoting cuts in spending at home:

- Understand the financial situation of the family home. The need for cuts and adequacy of the standard of living affects everyone and must be immediate. A regular meeting may help in this process.

- Prepare a spreadsheet of costs. It should contain all the fixed expenses and the forecasting variables. Besides the values of family income. From the spreadsheet, identify what is superfluous and can be cut as the film, the dinner outside the home and the tuition of clubs and academies. Try replacing with free entertainment, for example.

- No contract debts: to avoid the risk of spending, let the credit card and checkbook at home.

- It is not the time to purchase products of great value as cars or buildings, unless you have some money already earmarked for it. If the family income is variable, evacuate funding.



Source: Gazeta do Povo

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

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