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Do you live in the negative?
We don't learn it at school. Nor at home. To make matters worse, what we think we know is often wrong .
Dealing with finances in an increasingly consumerist world is a challenge that only knowledge can help with.
And this goes against all the propaganda that appears to us.
Having the right mindset regarding money , knowing the pitfalls of credit , not falling for the stories of millionaire influencers or banks and brokers is urgent so that our balance at the end of the month is always positive .
The algorithms only say one thing: "buy".
The internet works with algorithms. And we spend more and more time on it. We search for everything and leave a trail of our profile.
Offers are always what we need. Coincidence, right?
Delivery arrives tomorrow. Payment can be made in 10 installments. And there's a timer... we can't miss it. If you buy another product at the same time, you'll get a bigger discount. Just in case we need it, right?
The damage is done. We bought more than we needed , without any planning , driven by emotion .
Tip 1: Never buy anything in a hurry.
Cutting out coffee doesn't solve anything and it's really annoying.
Knowing that you need to save is the first conclusion of anyone who is faced with a negative balance at the end of the month.
"Cutting out everything that is superfluous " is what we should do, right?
It's not quite like that. It depends . The cost of living should be mapped out before we decide where to save . Often, a coffee with friends or your child's popcorn after school make life happier . And its impact on the budget is minimal . Who knows, reducing a larger bill (by moving to a cheaper rental or renegotiating a loan) can have a bigger impact at the end of the month, without being so annoying .
Tip 2: Map out the cost of living before deciding where to save.
O buraco é mais embaixo
Managing your personal finances is not a matter of math. There is no point in downloading the best app to get organized without changing your mindset about money.
We have beliefs from childhood, many of them limiting , such as "traveling every year is something only rich people do" or "poor people's happiness doesn't last long". And our homes are full of trinkets and clothes that we don't even use.
I invite you to participate in our transformation workshops, to learn about prosperity - the right way to get out of the hole.
