Organizando suas finanças + 3 dicas para você economizar dinheiro

No cenário atual,organização financeira nunca foi tão importante. Todos já perceberam que o padrão de vida aumentou significativamente e as coisas estão cada vez mais caras. Ao mesmo tempo em que isso acontece, temos um cenário trabalhista e econômico cada vez mais complicado, com muitos desempregados e salário-mínimo baixíssimo.

Em contraponto a essa situação, é cada vez mais visível a falta de educação financeira no Brasil. Mesmo com toda a crise econômica e falta de dinheiro, as pessoas tem cada vez comprado e se endividado mais. Com todo esse “alvoroço” de ganha menos e compra mais, as pessoas parcelam, devem dinheiro e vivem num padrão muito acima do que podem.

Caso você esteja nomeio de tudo isso, sem saber muito como se sair por cima dessa situação, hoje eu vim trazer dicas valiosas para você. Assim como você, eu chegava no final do mês sem dinheiro nenhum, parcelando as compras e sem ter uma reserva caso precisasse.A dois anos aprendi a “multiplicar” o dinheiro e fazer ele render muito mais, além de criar uma organização financeira para não ficar mais na mesma situação que havia ficado alguns anos atrás.

Hoje eu vim te ensinar algumas maneiras de você organizar as suas finanças e também 3 dicas para você economizar dinheiro.


#1 Organizando suas finanças

Para começar a organizar as suas finanças do zero, você precisa saber onde está e para onde vai o seu dinheiro. Faça uma tabela muito simples e coloque quanto você recebe,quanto você paga e se sobra algo onde fica. Fazendo isso você terá um panorama geral das suas finanças.

Depois que você fizer essa tabela, utilize o Google Drive para fazer uma tabela de gastos mensais que você possa acessar de qualquer lugar.

Basta você acessar o Excel online e fazer uma tabela com as seguintes informações:

1. Mês: coloque o mês respectivo que você irá organizar as tarefas (é recomendável uma tabela para cada mês);

2. Conta: descreva qual conta é, se é uma parcela de algo, faculdade, gasolina etc;

3. Valor: coloque o valor respectivo de cada conta;

4. Fonte: nesse espaço, caso você tenha empresa e trabalhe com carteira assinada também, você deve colocar com qual dinheiro você vai pagar. Caso você tenha somente uma fonte de receita, esse campo não é necessário;

5. Total: faça uma soma de tudo e coloque nesse campo.

Após feito isso,você pode fazer um info ao lado da tabela e fazer a soma de quanto você recebe e quanto você gasta. Esse é o método que eu estou utilizando no momento para organizar as minhas finanças, e achei muito mais prático que o velho caderninho.


#2 Dicas para economizar dinheiro


1. Retire os gastos desnecessários

Utilize aquela tabela que você fez acima para analisar quais daqueles gastos podem ser cortados. A maiorias das pessoas não param para analisar e cortar esses gastos e acabam sempre pagando mesmo não precisando. Alguns desses gastos são: tarifas bancárias, planos de tv que você não usa, juros de contas parceladas etc. Para cortar alguns desses gastos, como os juros, você terá que conseguir dinheiro para quita-las o mais rápido possível. Portanto, analise quais contas dentro do seu orçamento despenderão mais atenção para quita-las.


2. Leve suas refeições

A maioria dos meus gastos antigamente era com os lanches no meio do expediente e os almoços todo meio dia. Esses gastos podem ser evitados ou reduzidos levando seus lanches de casa. No supermercado o mesmo lanche que você compra para comer no intervalo por um preço bem menor, compre e leve de casa. Além disso, caso seu trabalho tenha cozinha e micro-ondas, leve seu almoço, assim você economiza dinheiro e ganha um tempo extra para descansar durante o almoço.


3. Pare de viver num padrão acima do que o seu dinheiro permite

O maior erro e o melhor jeito de torrar com o seu dinheiro é vivendo acima do que você pode.Cada um sabe o valor que recebe e também sabe que não se pode gastar mais do que se ganha. Mas, por incrível que pareça, as pessoas querem ostentar vidas que o seu dinheiro não permite, daí se endividam e culpam a economia brasileira.

Vivam num padrão que o seu dinheiro pode suportar. Não compre coisas por luxo ou para mostrar para os outros, pois quem vai pagar é você. E sempre lembre, você não paga as coisas com dinheiro, você paga com o tempo que gastou para ganhar aquele dinheiro.Utilize-o com sabedoria!

Espero que esse post tenha te ajudado a melhorar a sua saúde financeira. Se você gostou do post,deixa nos comentários como você organiza as suas finanças e se você é poupador ou gastador.

Com amor,

Mile

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