If we gather a certain number of people in one place and ask in this group if there is anyone who is not or has never been in debt, probably few people will respond positively, especially in times of economic recession, in which there was an increase in the number of indebted Brazilians.
Usually, we usually “accept” this when it happens to us, but deep down, what we most want to do is lay our head on the pillow knowing that we have no outstanding debt. Sometimes it seems like a distant reality, but the truth is that there is a way to rebalance our finances and make our debts no longer part of our daily lives, especially when we get rid of the habits that we have. harm in this area. Want to know what customs keep us in debt to get rid of them? Go ahead!
1. No financial planning
Many people are still not seriously dealing with their finances, they are not planning to use spreadsheets and other resources to help with this function. As a result, they do not control finances, creating a very favorable debt framework. And the planning must include all expenses, without exception.
2. Do not adopt lists
Just as we are not in the habit of planning ourselves financially, we do not usually make lists and use them at the time of shopping, whether at the supermarket, the mall, the fair, the building supply store. etc. This makes us buy what is not necessary, often in installments under high interest conditions.
3. Don’t search before you buy
Regarding internet shopping, which has made our lives much easier, even with the help that price comparison sites offer us, we are not used to comparing values yet. Before we buy something, which can save us a lot of money.
This is valid even when it comes to getting a loan. You should always compare the interest rate charged by the institutions. You can do this at GuiaBayment’s credit comparator, which features low interest rate offers from various institutions.
4. Don’t value small expenses
Having those three coffees at $ 4 each, every day, or Monday through Friday, when we’re working, and ignoring those expenses, can contribute to debt. At first glance small spending may seem harmless, but when added up, it does weigh in the pocket.
5. Ignore installment conditions
When we look at the value of the installments of buying a product, such as a new notebook, for example, we tend to be wrong and fail to pay attention to the full amount, which can be much lower if paid in cash. And credit card debts are the most common among Brazilians, that is, we still have difficulties to properly use this feature.
6. Acting impulsively
We rarely find anyone, whether a relative, friend or co-worker, who plans their purchases and especially reflects before buying. And continuing to act impulsively, as well as focusing only on shopping, ignoring free and enjoyable activities, becomes a vicious circle without realizing it.
Abandoning and transforming old habits helps us keep our pocket health up to date, which requires focus and dedication. But the lightness of having no doubt is worth it. the effort.