In times of crisis, the biggest crime of all is the waste of money. Monthly budgets are increasingly at the tip of the pencil. The interesting thing is knowing what to spend, but most people do not know how to do it. In a recent survey, he points out that the Brazilian population, for the most part, does not know how to manage their salary.

In the midst of so many increases, such as beef, with an increase of more than 30% since the end of last year, fuel at 11%, it is difficult to organize uniform monthly expenses. The list is large, and the pay becomes smaller and smaller. Increase comes and goes, but you can better organize your expenses without having to stay in the red. Here are some tips:

   1. Write down your daily expenses

    From a chewing gum or a quick snack, everything needs to be noted.

    Have a financial spreadsheet

    2. Be it paper or app-shaped, the spreadsheet is a way to better organize your revenue and expense.

    3. Use a financial manager. Faster and more practical than the spreadsheet, the financial manager is a way to more efficiently and quickly account for everything that goes in and out of your budget, a tip is the Pocket Guide (https://goo.gl/02glu9 ).

    4. Remove your debts

    Removing debts should always be a priority. Only in this way is it possible to have a balanced financial life and manage to save money to realize your dreams in the future. Create a financial reserve.

    5. Having a fund for emergencies is essential if you do not have to deal with any unforeseen circumstances in your life, such as a broken car, an unexpected illness or loss of employment.

    6. Escape impulse purchases

    Impulse buying is one of the great enemies of healthy financial life. To avoid this habit and keep finances up to date, start planning your purchases.

And finally, plan, plan, plan! Fixed expenses such as rent, condo and college tuition have priority. Next, depart for the variable expenses, but so essential, like electricity bill, gas and supermarket. Have a controlled and healthy life, managing your expenses, because everything is a matter of habit.

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