Consumer Week highlights the importance of buyers understanding their rights and the best way to manage their purchases. According to data released by Serasa (2024), more than 73 million adults in Brazil are in default. The economist and professor of the Business Administration course at UNINASSAU Recife, Graças campus, Alfredo Menezes, offers tips on how to be conscious and avoid debt.
"It is essential to record and organize finances in order to control what goes into the budget, whether fixed or freelance work. This is a way to stay organized so that expenses do not exceed income," explains the specialist.
According to the professional, managing money is a practice that, although basic, can become the solution for many disorganized people with their finances. It is essential to avoid buying unnecessary products, consumables, food, or hiring services, as they weigh on the end of the month and end up compromising the budget.
"Organization and planning are crucial to keeping the budget on track. List expenses in order of priority and always have an emergency reserve in case of extreme need," she adds.
Finally, the teacher details the importance of setting clear financial goals and distinguishing between what is necessary and desires. "Set short, medium, and long-term goals, such as paying off debts, taking a trip, or starting a private pension. Before making a purchase, ask yourself if it is really necessary or if it is just a fleeting desire," concludes Alfredo Menezes.
