For more than 2400 years Aristotle, the Greek philosopher, has said that "virtue is in habit." But it seems like these years were not enough for us to learn the lesson.
Who can say that you have 100% balanced and organized finances? The good news is that with a minimal dose of discipline, you can get out of this situation. The key is to change the habits of consumption. The first step? Record your spending on a spreadsheet. The second step? Try to frame the budget in the 50/15/35 rule.
This means spending 50% of your income on essential expenses such as housing and food; save 15% to fatten the piggy bank; and invest the remaining 35% in lifestyle, restaurant and movie.
Did not the account close? The root of the problem is probably in your standard of living. With some punctual changes in certain habits, you can save a lot of money - and finally put your bills in balance.
1: FOOD - MARMITA AT WORK VS RESTAURANT
This is one of the biggest villains of our money: lunch in a restaurant on business days. For those who live in a city like São Paulo, this spending will be in the range of $ 15 to $ 20 per day.
Or even more depending on the region. Multiply this by 22 business days. Did you see the diamond in the budget? Bringing food from home - the famous kettle - will result in savings of around 50%, according to surveys.
2: TRANSPORT - BIKE OR PUBLIC TRANSPORT VS CAR
The cost to maintain a car is quite high. Firstly, you need to buy it. The financing or consortium will consume a sizable portion of your revenue.
Then comes IPVA, insurance, maintenance ... Not to mention the possibility of taking a ticket. Oh, of course, and how to forget the gas, which is costing you a small fortune lately?
To sum up the opera, if you already have car, will spend a few hundred reais a month with it. If you are buying one, this amount will rise to a few thousand.
Heavy for the pocket, eh? One solution is to change the car by bicycle. Monthly spending is 6 times lower, according to studies. On top of everything, it will do a tremendous benefit to your health.
Now, if the work gets too far, you can also consider public transport. Take bus, subway - and when you go sightseeing, ask for a Uber.
3: FUN - CUPONS VS TABLE PRICE Do you want
to meet a new restaurant? Or see a play in the theater? Watch a movie at the movies? Cogite take a look at coupon sites and discounts before. There you can find great savings opportunities for fun.
4: TRAVEL - MARKING IN ADVANCE VS UP TIME
Traveling is one of the best investments (perhaps "the best") that money provides. The experience of getting to know new places, new cultures and new people is unforgettable.
But when it comes to making a trip, you also need to use money wisely. One of the most effective tricks is marking hotel and ticket in advance.
To get an idea of the savings it brings, take a test. Go to an airline's website and see the price of a ticket to anywhere (1) next week and (2) six months from now. Screaming the difference, right? That's why the secret is to plan.
5: SHOPPING - SEARCH VS IMPULSO
It does not matter what you are buying: clothes, bicycle, wine, etc. Always do a preliminary search before hitting the hammer. Google is a marvel for it.
Some stores sell the same product for a much lower price than others. And you can also consider, if you find a good opportunity, to buy from a different brand.
Our tip? In addition to price research, also investigate the quality of the product. Consumer reviews are very popular on the internet. This will help you to make the best choice.
6: LIFESTYLE - PREPARE DINING VS EAT OUT
To end our list, this is a change of habit that will save you money and at the same time have fun: learning how to cook.
Of course, it's good to go to the restaurant from time to time. But when you do it in excess, the account gets expensive by the end of the month. The business is to alternate, therefore, with dinners at home, specially prepared by you.
7: EFFECTIVE MEASURES BY PLACE IN THE PIPE OF THE PENCIL
The six measures above will help you a lot to have a good financial control. But it will not help if you follow them, but not have an effective personal budget. Only a worksheet (or application) with your revenue and detailed expenses will help you effectively. Write down how much you earn, separate a part to invest and detail all expenses. So, you'll see clearly whether you're closing the month in blue or red - if your case is this second option, you'll need a plan of action. With notes, everything will be much simpler than you think.
Posted on June 11, 2018 at 01:59 PM