Changing your relationship with money requires organization and clarity, according to financial consultant Raquel Benatti. To begin with, you need to understand expenses, check which are the essential and fixed bills, such as rent, and variable expenses, such as food, for example.
“When it comes to organizing their financial life, the vast majority of Brazilians get lost in credit cards”, explains Raquel. “If you earn R$3,000 and the card limit is R$5,000, it’s not to spend what you don’t have in earnings. A well-used credit card can be a great tool for control, monitoring the invoice on a daily basis”, she evaluates.
Still, the consultant advises to use 50% of earnings with fixed accounts, 30% with variables and 20% in investments: “remember, we need a life with margin”.
22 March 2023, from 05h00.