Like every beginning of the year, extra expenses can compromise the family budget and lead to indebtedness. Accounts like property tax, IPVA, vehicle licensing, school supplies, insurance and other seasonal expenses arise simultaneously, generating a significant financial challenge. To prevent these expenses from becoming a burden, the organisation and financial planning are essential
Planning finances is not about accumulating wealth, but also to maintain financial health balanced to avoid unnecessary debt. Many families go into debt because they do not adequately prepare for predictable expenses such as those at the beginning of the year, despite 'shocking', they are already part of the routine. Creating a financial strategy means planning the budget in advance, save money throughout the year and avoid expensive financial solutions, como préstamos y pagos a plazos con intereses altos
Recent data indicate that, in 2024, the percentage of indebted families reached record levels. According to the National Confederation of Commerce of Goods, Services and TourismCNC), around 77% of Brazilian families are in debt, considering that a large part of these debts is linked to the credit card, followed by financing and personal credit. The scenario highlights the need for greater financial planning and strategies to avoid excessive income commitment
The main causes of debt include rising inflation, que reduz o poder de compra e obriga muitas famílias a recorrer ao crédito para cobrir despesas básicas; the high interest rates, that increase the cost of credit; and unemployment, que compromete a estabilidade financeira de muitas famílias. Furthermore, the lack of financial education causes many consumers to make decisions without properly assessing the long-term impacts. Impulsive spending, excessive installment plans and the lack of an emergency fund further worsen the situation
To avoid debt and ensure greater financial security, algumas soluções podem ser adotadas. Financial planning is essential, allowing families to monitor their expenses and adjust the budget as needed. Create an emergency fund, que cubra al menos tres a seis meses de gastos, can avoid loans in times of difficulty. Another strategy is to control excessive use of revolving credit and seek interest-free installment alternatives whenever possible
Besides these measures, the hiring of financial protection products helps prevent debt accumulation. This type of protection provides support in times of adversity. With these coverages, the insured can rely on resources to cover their basic expenses without resorting to loans or compromising their budget. In this way, the smart use of these solutions helps to maintain financial balance and provides greater peace of mind for Brazilian families
Without a doubt, proteger-se financeiramente é essencial para evitar o endividamento e garantir uma vida financeira equilibrada. Planning ahead, crear una reserva de emergencia y evitar pagos a plazos con intereses altos son pasos fundamentales para comenzar el año sin apuros. Organisation and discipline help keep accounts up to date and prevent financial worries in the future
