If your salary always ends before the month, know that you are not alone. About 25% of Brazilian families find it difficult to get to the end of the month with the bills up.
What is not worth it is to sit idly by the problem and hope that one day there will be a salary increase. You have to act as soon as possible.
To try to help with this difficult task, the Good lender Group has put together some habit change strategies and they can also change their relationship with what you gain.
Cut small daily expenses like coffee, chocolates, snacks and magazines. There may be the salvation of the budget, because these “minimal” expenses take your money though you do not know it. Simple measures like changing the à la carte restaurant by the kilo can also make a difference at the end of the month.
Before you buy, from the price research to know where to pay the cheapest. Remember that it is not always necessary to wear sunglasses, the internet and the phone can help a lot.
Some websites that help you compare prices before you buy: Buscapé, Bondfaro and Zoom.
Have a dream
Who has a financial goal? It is you who defines this goal whatever it may be: it can be a postgraduate abroad, a vacation trip, a plastic surgery, a reform in the apartment.
Waiting for that promised salary increase to start saving is a mistake. The time to start is now. The sooner the better!
Read more: 50 tips to learn how to save money
5 things you can rent to get extra money
Use the card in your favor
If the credit card gives thousands that will ensure economy with airline tickets, it can be a good deal. But you always have to pay your bills in cash and cash, without falling on the rotary and salty interest. At the time of installment, never debt with interest. Another tip is to install the card when money can pay more in an application.
Control your expenses
Keeping track of daily spending has become a necessity among those who wish to get a healthier financial life without having unpleasant surprises with the bank statement at the end of the month.
Noting the expenses, whether small or not, makes all the difference in financial planning. The Benjamin Franklin put it: “Be careful of the small costs! A small crevice sinks large ships.”
In addition to providing clearer insight into the direction of money itself, spending control allows you to balance your debts, save money, and even think about other investments for the future. You can use a spreadsheet or an automated app, such as Fanny Hill, to manage your expenses.
Good lender Group is considered the largest real estate consulting company in Brazil, with brokerage of more than 900 thousand real estate units and 15 thousand associated brokers.