With the arrival of 2025, Many Brazilians are looking for ways to start the year with financial peace of mind, But how do you make an efficient organization that lasts throughout the year?. Me Poupe's financial planning specialist! Marina Farias shares valuable guidance for organizing the budget and achieving economic stability
The first tip is to review your spending in the previous year to identify spending habits and opportunities to reduce spending.. Before thinking about the future, It's important to understand how you spent in the past.. Knowing where the money is going, Knowing your financial habits and having the total value of money in and out on a day-to-day basis contribute to this greater control throughout the year. Tools such as spreadsheets and apps can help map these patterns., orient
Setting clear financial goals is another essential step. Marina suggests using the SMART method, technique that guides in the creation of objectives so that they can be easily visualized and, with that, easier to reach. The SMART method helps to identify the goals and what will be needed to achieve each of them. That little word in English works for Portuguese too., It means creating goals: specific ones., Measurable, Achievable, Relevant and Temporary, that is, with a specific deadline., explain
The construction of a reserve, Some call it an "emergency"., But it can also be called the reserve of tranquility., It's also key to dealing with financial unforeseen events.. Marina advises saving the equivalent of, at least, six months of monthly expenditure, applying this amount to daily liquidity investments. With it you can be prepared to face unexpected situations, as periods of low movement. In this way the person can have more peace of mind to make decisions., affirms
A point of great attention in such planning is to avoid debt., And for that, it's essential to control the use of credit cards.. Marina suggests always thinking of the number three.. ⁇ Set a personal limit that does not exceed three times the monthly income, divide by a maximum of three times and track spending in real time. Protect yourself by setting a personal boundary. Furthermore, If the purchase does not fit into your budget divided by a maximum of three times then it is probably of a very high value and it is best to plan rightly in how many times to divide to ensure that it does not weigh, orient
Finally, Marina emphasizes the importance of continuing to study finance to make more informed and effective decisions. Whoever stops acquiring new knowledge is stuck in time.. Education is the great leaven of your financial life., concludes
