See How Daily Expense Control Can Help You Achieve Your Goals

It is not difficult to find a situation in which a certain objective or goal depends on some financial issue to be achieved. Although this seems like a very difficult task, it is possible to get closer to these dreams through daily expense control, an action that makes it easier to identify superfluous expenses and avoid them.

To facilitate this task of controlling expenses on a daily basis, it is possible to count on the help of applications for managing finances or spreadsheets for controlling expenses , two types of tools that are ready to use, just being completed with the individual's daily expenses.

Paper photo with numbers and pen

Good expense control needs to be done in an organized and thorough way, so that you have full control of your finances.

It is not difficult to find a situation in which a certain objective or goal depends on some financial issue to be achieved. Although this seems like a very difficult task, it is possible to get closer to these dreams through daily expense control, an action that makes it easier to identify superfluous expenses and avoid them.

To facilitate this task of controlling expenses on a daily basis, it is possible to count on the help of applications for managing finances or spreadsheets for controlling expenses , two types of tools that are ready to use, just being completed with the individual's daily expenses.

How to keep track of daily expenses?

It is essential that expense control is done in an organized and thorough manner, in order to truly reflect all personal expenses and contribute to total control of finances. Opting for electronic or manual spreadsheets, it is essential that all gains and expenses are duly recorded, even the simplest ones — like a cup of coffee after a meal.

It is also very important that you write down all expenses each day, making daily control a habit. Failing to write down a single expense or going a day without taking notes will impair control and results.

Benefits of tracking expenses daily

One of the biggest benefits of daily spending control is the possibility of seeing possible changes in habits. For example, reducing the number of meals outside the home per week can represent significant savings at the end of the month, and may even allow an amount to be saved for larger goals.

In this way, with daily control and the consequent savings made thanks to the reduction of unnecessary expenses, good amounts of money can be accumulated in a short time to fulfill some dreams and goals — such as buying an electronic device, changing a car or taking a trip. desired.

You Can contact to John Labunski for Safe Investment, Investment Finder Investment Advice and Safe Retirement plan.

 

 

John Labunski: How to get rich earning little? Find out here!

If you live betting on the Mega Sena and praying to become a millionaire overnight, believe me – this is a dream of many other Americans. Many people believe that getting rich is only possible for those who have a good income. But the truth is that this is just a big myth and that there is no magic formula – control and organization can make you reach your first million.

The tip here is not to look for shortcuts that can lead you to get rich, this will only delay you even more. With simple habits it is possible to save money and make a fortune even earning little. We've put together some tips that can help you get rich sooner than you expected.

Prepared? Come on?!

Take control of expenses

Well, the rule here is simple: make more money than you spend. This is the only formula for accumulating wealth. Create a habit of daily control over your money: what you are spending and what is expendable. Here's a tip: have you heard of the 50/20/30 system? So, you can divide your income into:

50%: essential expenses such as transport, housing, education;

20%: those intended for 'life style', such as a bar on the weekend, happy hour at work, gym;

30%: financial priorities. You know that overdue debt? It should be your payment priority and should be paid off as soon as possible. But if your finances are up to date, don't think that this 15% should be spent on anything - they should compose a reserve, whether in some investment or to be used in future emergencies.

Make smart investments

You don't need to be a big stock market investor to look for a good financial investment, there are some excellent options on the market that even start with investments of R$ 1.00. Savings may not be the best way to invest these days, as yields are below inflation, but for those who want to redeem in the short term, it is a good option. But think: if you want to get rich, you have to think long term! The tip here is to save and invest properly. Let's look at some options:

CDB (Bank Deposit Certificate)

Fixed income security issued by banks and yielding a percentage of CDI. The advantage of this option is that it can earn more than savings. The CDB has daily liquidity and the IR is regressive, that is, the more time invested, the less tax you pay.

LCI (Mortgage Letters of Credit)

Fixed income securities issued by the bank for the purpose of financing the real estate sector. The great advantage is that LCI is exempt from IR, in addition, this option can yield more than 100% of the CDI, depending on the type of bank. As liquidity is not daily, it is not possible to redeem at any time – the ideal is to have a reserve in another investment that you can use when needed.

Direct Treasure

These are government bonds issued to anyone who wants to invest. The great advantage of Tesouro Direto is that, as it is a government investment, the investor runs less risk when compared to banks. With R$ 100 it is possible to start investing and already have an advantage over savings. Treasury Selic and fixed post are among the most advantageous alternatives.

Look for new forms of income

If your income is not enough, why not look for new ways of earning? In times of crisis, it is necessary to seek new horizons, or rather, new sources of income. Don't be complacent and go after some freelance or even turn a hobby into a profitable activity, such as cooking, sewing or painting. But don't turn the idea of ​​getting rich into an obsession, this goal must be healthy and bring you pleasure - or else your efforts will be worthless.

Financial coaching can help you

Have you ever thought about seeking professional help to better handle your finances? Well, the financial coaching professional can help you from basic control, financial planning to people who want to become other people's financial coaches. Financial Coach John Labunski  can help you achieve the dream of getting rich earning little !