According to the National Confederation of Commerce of Goods, Services and Tourism (CNC), in 2023 there are already 77.9% of the Brazilian population that is in debt, so, to help you get out of this critical scenario, we have separated 4 ways to save! This way, your budget won't be compromised and you'll go back to spending less than you earn!
Analyze the new versions very carefully
Whenever you get a new car, cell phone or notebook, compare it with the version you already have and see if it is really necessary to change, because we know that this satisfaction is momentary and can generate long-term debts. With this, you can use the money that would be spent on updates to acquire CDB with daily liquidity and have a financial reserve.
Beware of status-based purchases
We can cite as an example designer clothes, accessories and electronic devices, in luxury stores these items are very expensive, after all, if you are looking for a more peaceful financial life, it is important to learn how to cut costs.
With the internet, we have the possibility of searching for more popular stores, without losing quality, so you can set aside money that would be spent unnecessarily on purchasing fixed-income products.
Research very cheap options carefully
The cheapest option does not always mean the most savings. You need to investigate the quality, whether there are any complaints, etc. Think about the cost-benefit that this product or service is offering. If possible, talk to people who already use the product or service you intend to purchase.
Take advantage of price comparison apps to find out if the product or service is within the market average, so we can avoid price abuse.
Learn how to use delivery apps
If you usually use delivery, then be careful when checking prices, look for discount coupons and offers. It may also be a suggestion to swap ready-made food for home-made food. To reduce orders on these apps, you can silence notifications.
Those who want a more radical saving can even delete the app from their cell phone.
Sebrae itself offers tips for those looking to save more, and there are also hundreds of apps that help you maintain financial control.
Spending on food can also be a hassle, especially for those who work outside the home. One of the best ways to save money is to make a shopping list and take a packed lunch whenever possible.
If you have small children and are looking for entertainment for the weekend, in cities like São Paulo and Rio de Janeiro there are hundreds of free events.