Clipping of news on Brazilian Culture, Law and Citizenship
19/06/2012
This article was translated by an automatic translation system, and was therefore not reviewed by people.
SAO PAULO - A lot of people have problems with money, and likewise, most of them always use the same excuses to justify your situation: your salary is not enough, his friends encourage them to spend or is so in debt that simply can not out of the red.
The reality, however, this may not be well, and the reasons for his debts, may actually be others. Thinking about it, the site LearnVest listed six good reasons that help explain why consumers remain in the red. And the first one is to put all earnings in the current account.
1. Lack of savings - Of course it is essential to have a checking account, but when we put all the monthly payments on it, we are led to spend the money rather than save it. And it is precisely the savings that helps consumers do not enter the red emergency situations. The solution is simple: make part of their wages fall in some savings account automatically. This makes it easier to control and reserve some resource each month.
2. Unnecessary expenses - Another good reason that the red is unnecessary. Spending money is no problem, so it is actually spent on items necessary for the consumer. Wasting money on electric bills, it is stupidity. But spend it with invigorating vacation or new clothes that can promote you at work, it was only fair.
3. Childhood - Many people have difficulty admitting they have problems with money. Mostly hate to admit that they have the same flaws presented by their parents. However, consumers are more like their parents and with their families than they imagine or even want to accept.
Being a compulsive saver, have trouble dealing with finance, believe that all their problems would disappear if he were rich, may be a reflection of your creation and you are only carrying the error rather than face it. The solution? Identify your past problems and do something about them.
4. Without goals - Again, learn how to save is a great weapon against the financial problems. However, if there is no reason to spare, it is hardly possible to build a reserve. Choose a goal, a house, a car, a long drive and direct their efforts to save. So possibly be successful.
5. Consumer naive - The shops are a big problem for consumers. They are full of tricks to encourage us to spend more than anticipated. So if you are not well aware of this and have in mind exactly how you want to spend, runs a great risk of spending unnecessarily and into the red. The tricks range from the background music chosen to disrupt our thinking up tricks with lights and mirrors to see things that are not reality.
6. Paying debts wrongly - another factor that can consume all their money quickly is to pay the debts in the wrong way. Even if you are a responsible consumer and worried repay their debts, it is important to have a good strategy for dealing with interest and loans.
The idea is to simply go to avoid paying the installments of debt and loans. It is wise to evaluate what the most expensive debts, or they charge higher interest rates and liquidating them go first.
Source: InfoMoney
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This article was translated by an automatic translation system, and was therefore not reviewed by people.