Todos precisam de dicas para economizar dinheiro no dia a dia. Afinal, muitas pessoas, mesmo ganhando um bom salário, acabam se encontrando em situações financeiras ruins por falta de planejamento.

Então, não importa o quanto você tenha de renda mensal, vale a pena ler estas dicas básicas de como economizar e tornar sua vida financeira melhor.

1. Como economizar dinheiro com um planejamento financeiro

dicas para economizar dinheiro no dia a dia

Primeiramente, o principal a se fazer é organizar um planejamento financeiro. Aliás, organização é palavra-chave para que todas as dicas para economizar dinheiro no dia a dia funcionem. Não importa se você fará isto com papel e caneta ou por um aplicativo online.

+Como criar uma rotina diária

Anote todos os seus gastos e ganhos mensais. Depois, escreva metas ou objetivos, para ter uma visão clara de quanto você precisa economizar para realizá-los. Sem dúvida isso te trará benefícios na hora de lidar com o dinheiro.

2. Tenha uma reserva para eventualidades

uma das melhores dicas para economizar dinheiro no dia a dia é ter uma reserva de emergência

Todo mês é importante que você invista parte dos seus ganhos, mesmo que pequena, em uma reserva para eventualidades. Às vezes, coisas que nós não prevemos acontecem como, por exemplo, gastos a mais com a saúde ou com um parelho doméstico que precisa de conserto.

Dessa forma, você precisa ter uma conta para emergências. Pagar algo sem preparo é o que leva muitas pessoas a caírem nas dívidas ou empréstimos.

3. Compre apenas o necessário para economizar dinheiro no dia a dia

Compre apenas o necessário para economizar dinheiro no dia a dia

“O que não é usado é dinheiro parado. O que vai para o lixo é dinheiro no lixo”, essa é uma das frases de Nathalia Arcuri, a jornalista com o maior canal sobre finanças do Youtube. Pode parecer muito forte, no entanto, é uma ótima dica para todos.

+Consumismo x Seu Futuro. Qual é sua prioridade?

O consumismo em excesso é um dos grandes inimigos atualmente. Por isso, foque em comprar apenas o necessário e no que irá acrescentar algo a sua vida, ou seja, tente adotar o estilo de vida minimalista!

4. Faça outros investimentos seguros além da poupança

Não estamos mais na época em que poupança era única opção, que as pessoas tinham conhecimento, para fazer o dinheiro render. Existem diversos investimentos seguros que, eventualmente, rendem mais que a poupança comum.

O Tesouro Direto, o Tesouro Selic e o CDB de liquidez diária, por exemplo, são apenas alguns desses investimentos. Veja um vídeo do canal “Me Poupe!” falando um pouco mais sobre o Tesouro Direto.

5. Cuidado com o cartão de crédito

O cartão de crédito pode te deixar com as finanças ruins

Parcelar compras é sempre válido para quem tem necessidade de comprar algo e não tem condições de pagar à vista. Porém, você precisa ter muito controle para não acabar em uma bola de neve com seus gastos.

Use o cartão de crédito apenas quando for necessário e não para todos os seus gastos diários. Como explica Nath Rodrigues, criadora do canal Finanças com a Nath.

6. Estude sobre economia e finanças

Estude sempre os melhores investimentos

Por fim, você tem uma infinidade de informações disponíveis online, então procure conhecimento sobre os assuntos financeiros.

+Descubra sua vocação em 5 passos cruciais

Não faça grandes investimentos antes de pesquisar tudo sobre ele. E, definitivamente, não siga conselhos “milagrosos” de bancos ou empresas só porque parecem bons no momento. Estude para fazer boas escolhas!

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