Spring, summer, World Cup, Christmas parties. All these occasions can lead you to spend more money than you should. Allied to these factors, the scenario of rising prices in the country may put pressure on domestic accounts. For this reason, learning money saving tips it's a good strategy to maintain financial health and ensure fun.
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economy strategies
On the internet, you can find a multitude of tutorials that teach you how to save money. Today, you will see the most strategic and effective tips to spend less, guarantee the payment of bills and still guarantee leisure during the month.
Make a map of your financial life
The first step to saving is understanding your financial reality. Write down how much you earn, fixed and variable expenses, write down the total amount of your debts, if you have one, and understand what your goals and needs are related to money.
Write down your expenses and payment method
Know all your expenses, even in small amounts and write down the payment method. This operation will make you understand in which situations you spend more and which is the main form of payment. Knowing this reality makes you save in certain fields, such as transport, and pay more in cash or by debit. Analyze how you spend and, if possible, cut back on unnecessary expenses.
Understand your spending profile and which categories occupy the most space. Food, transport, leisure? Once you understand this, you will be able to cut any unnecessary expenses and expenses.
Less is more: Avoid big purchases
If you go to the market, avoid making large purchases and always take a list of what you need. This happens because the price usually varies a lot. Thus, you can guarantee savings in the same month just by going to the market on different days. The reasoning applies to various fields, such as home appliances and apparel.
Pay bills on time
The biggest villain of accounts is interest payments. So, avoid using your credit card if you know you don't have money. After all, it's important to pay the bill in the end. For this reason, receiving your salary and paying your bills on time also makes you spend less.
Search for discounts
When shopping for the end of the year, look for discounts and give preference to paying in cash. If you are going out to watch the World Cup games or go to parties, for example, set a spending ceiling for each occasion and stick to what you have determined.
