Clipping of news on Brazilian Culture, Law and Citizenship
23/01/2012
This article was translated by an automatic translation system, and was therefore not reviewed by people.
SAO PAULO - Although many people think that meat is the only way to acquire certain products, financial educators point out that this is usually the most expensive way to buy one as well. The recommended alternative is to do a few months of savings to buy the product from and cheaper.
Thinking of purchasing power of households, financial educator Mauro Calil make some suggestions to get you to consume more for less.
1. Make stock promotions - Calil suggests taking advantage of promotions, or liquidations of products that have long shelf life or are consumed in large quantity. Products "such as salt, pasta, beans, tomato sauce and even diapers should be bought in larger quantities, when the promotion is worth," said Calil.
The tip is the same for frozen. "If you are used to pay R$ 15/kg and sirloin comes in a promotion piece by R$ 11.90, notice that the economy is 20%," says the teacher, saying it was the same as getting it in return a financial investment.
But remember to do this since it does not go into overdraft or revolving credit card.
2. Buy collectively - "Families and neighbors together to take advantage to go to wholesalers," says Calil. Because families often use the same brand products, it is possible to arrange to buy from wholesalers, saving up to 30%.
Another tip is the collective shopping sites, which can yield savings in excess of 50% in several types of products and services.
3. Big spending plan - "switch car, buy an expensive new TV or even rebuild the house are steps that can cause much damage in the budget," says Calil, suggesting that they save first and spend later.
For this, it is to plan, the following steps:
- Check the cost of what you want;
- Divide this cost in installments that fit in your pocket;
- "Pay" that portion to a savings account or another application until it joins the conservative necessary;
- Buy;
"By doing this, you will receive interest instead of paying los.Terá everything you want and still have financial surpluses," said the teacher.
4. Use the consortium - While planning and saving is more appropriate to go into finance, a more interesting and more economical for those who can not avoid the booklet are the consortia.
"By making a consortium, you do not pay interest, but an administration fee. In practice the difference may reach values of 70% in your favor. In the case of cars and appliances, for example, the benefits add up, because waiting for contemplation is a financial advantage, "concludes Calil.
Source: InfoMoney
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This article was translated by an automatic translation system, and was therefore not reviewed by people.