Consumer Week marks the importance of buyers understanding their rights and the best way to manage purchases. According to data released by Serasa (2024), more than 73 million of the adult population in Brazil is in default. The economist and professor of the Administration course at UNINASSAU Recife, Graças campus, Alfredo Menezes, give tips on how to be mindful and avoid debt
It is essential to note and structure finances in order to control what goes into the budget, be it a fixed job or freelance work. This is a way to organize so that expenses do not exceed income, explain the specialist.
According to the professional, managing money is a practice that, despite being basic, can become the solution for many people disorganized with their finances. It is essential to avoid buying products, consumables, food or hire unnecessary services, as they weigh at the end of the month and end up compromising the budget.
Organization and planning are crucial to keep the budget on track. List expenses in order of priority and always have an emergency fund in case of any extreme need, adds.
Finally, the professor details the importance of setting clear financial goals and differentiating between what is necessary and desires. Define short-term goals, середні і довгі строки, how to get rid of debts, take a trip or start a private pension. Before making a purchase, ask yourself if that is really necessary or if it is just a momentary desire, concluded Alfredo Menezes
