In Brazil, there are still many people who are unaware of the importance that financial education has in our lives. But mainly for the organization and control of your personal finances, or even your business. Yeah, it's not just companies and entrepreneurs who need to know about financial education, you too!

So, how about understanding more about your personal finances and spending on balance, avoiding debt or even being able to settle the outstanding debts you may already have? So, it may even seem like a seven-headed bug, but it's not! Because financial education is the key to opening the door to a good relationship with money.

Furthermore, those who are experiencing financial difficulties know very well the suffering and concern that become part of their routine. So, how about starting to organize yourself through financial education and live more peacefully with your money?

So, we decided to make this whole process easier, putting together in one article a series of excellent tips on how to have a good financial education for you! Because now you have no more excuse to leave your finances in a mess, right?

So let's go! So, who comes out in profit will be you, check below.

Because we talk a lot about financial products and services, loans, credit cards, etc. But for you to be able to enjoy all of this without creating problems and stress for your life, it is essential that you know more about financial education. 

However, many people still do not know very well what exactly it is to have a financial education.

But do not worry! Because we are here to help you and facilitate this process of understanding little by little. Thus, it is essential to understand that financial education is related to everything that influences your money, how you manage what you receive and what comes out of your account every month.

In addition, understanding finance well is what allows you to choose the financial products and services that will be best for you. For example, those who have a greater sense of financial education will know what type of credit card will be most advantageous at the moment, how much they can spend over the limit, if they are in a position to take out a loan and under what conditions to apply for credit.

So, how many things did you see? Yeah, and only with a good sense of financial education can you make these important decisions. 

That is, in general, financial education is the knowledge and ability to deal with your finances in a way that earnings are always greater than expenses. Thus, you will never spend more than you have equity, and you will never compromise your quality of life by falling into debt.

So, you can see how important this concept is for your life, right? But let's talk more about it, so it's even easier to understand. Check it out below.

First, it is important that you understand one thing: financial education has nothing to do with accumulating wealth, making easy money or becoming a millionaire in a short time. So forget about those ideas.

Because the reality is this: those who have financial education can better understand the reality of their personal finances, will have good financial health and, as a consequence, a more peaceful life without debt and worries about money.

Thus, those who understand well how their income works, their household budget and their expenses, can have more peace of mind. But be careful, there's no point in saving money without goals, out of sheer greed. Because what matters is having financial goals and being happy with what you have now, and what you intend to achieve, isn't it?

So, in general, financial education is important because it gives you a good idea of your reality with money. This way, you know how much it will cost to achieve your goals and dreams, you will be able to better prepare for it. In addition, you will understand where and with what it is worth spending, and what to cut or reduce.

Finally, the importance of financial education lies in preparing for emergency and unexpected situations. Because who wants to be in a situation of immediate need for money, but simply don't have it and need to resort to third-party loans? Nobody, right?

Thus, financial education prepares you to organize yourself financially in order to guarantee your well-being in the present and in the future. In addition, you can also help those you love, in addition to being able to fulfill your dreams and goals.

But speaking of goals, do you know what the goal of financial education is? Because we think we already had a good idea, but let's talk a little more about it, next.

Financial education is not a subject we learn in schools, unfortunately, as it should be. So what is her purpose in our lives? Well, the purpose of financial education is basically to help you set your goals and achieve them.

That is, you learn to value everything you earn with your work and effort, and stop wasting money on bad financial decisions. So, whether with unnecessary expenses, bad or poorly thought out investments and the inertia of the salary stopped in the account, education with finance will help to avoid all of this!

But unfortunately most people only start thinking about educating themselves about their finances when the damage has already been done. Thus, most searches for the topic come from people who are already negative and/or even over-indebted. 

Because, of course, it's never too late to understand the need for financial education, and it will help you out of these extreme situations. So, we should use that saying: better late than never. 

But the sooner the better! So how about staying with us and learning some practical tips on how to insert financial education into your routine? Well, it's not as difficult as you might imagine, these are things that you'll be surprised at how simple they are.

So, let's learn from our advice on how to start educating yourself financially?

Because it's no use understanding perfectly what the concept of financial education is, why it's important and what its objective is, but not knowing how to get started in practice. So, we've put together 10 pieces of advice and tips on how to educate yourself in finance and improve your relationship with money starting today!

So stay with us and check it out!

Yeah, the first step to start understanding your finances better is: value your effort and your work, be self-responsible! But what is this?

So basically, having self-responsibility means understanding that the only person who can help you get along in life is YOURSELF. That is, if you don't start to have greater interest and responsibility for your money, the only person who will be at a loss is you.

So, first, be aware of the value of your work and effort, and know that you need to have control and organization to ensure that it was all worth it. Therefore, those who create responsibility for their own finances are already on the way to making better decisions.

That is, you can better understand the difference between price and value, your spending and income profile, your routine with money. Thus, you will understand that the value of a product or service goes beyond how much it costs, but how much it adds to your life in the long run.

In addition, you will already be treading a path to acquire more knowledge about your personal finances.

That is, always be thirsty for information. Because never before has it been so easy to have access to financial education than today! Thus, you can organize yourself to search for texts on the internet, online courses, news about finance and economics.

Also, try to talk a lot about it with friends, family and even co-workers. Thus, you will become more familiar with the world of finance, with the financial market and with how other people are organizing themselves based on financial education.

So, make the search for knowledge in finance something routine, part of everyday conversations and your interests in general. That way, it won't be boring or effort-intensive, and you won't even notice when it starts to become part of your routine.

One of the basic pillars of good financial education in practice is financial planning. But calm down, it's practical and you can do everything yourself, although you can hire a professional if you think it's necessary.

First, you should take the time to analyze your income stream and spend. That is, how much money enters your account every month, and how that money is also leaving.

So sit back and look at your bank statement for the following things:

Thus, an overview of how your relationship with your money is going to form in your mind, whether it is good or bad. In addition, it will be much easier to complete the next step.

We know that everyone has personal dreams and goals, but not everyone knows what they need to do to get there in practice. Thus, it is essential to create financial goals that will make your journey a lot easier.

But for that you need to carry out good financial planning first. Because, as we explained earlier, you need to understand your financial outlook and your income and expense profile. Thus, only someone who has created financial planning will have the necessary knowledge to create goals.

So, already knowing your financial profile, use financial education in your favor and set goals and objectives with your money. So, organize your goals as follows:

Yeah, the credit card can be a great friend or your worst enemy. For this, what differentiates the result is financial education. Therefore, we advise you to reduce the purchases you pay in installments as much as possible.

Thus, the more you buy in cash, the more you feel the weight of the expense. Because purchases in installments can give the impression of being smaller expenses, when in fact they end up being even bigger and more dangerous to lead you into debt.

That is, avoid installments and have lower risks of spending more than you have!

Basically, revolving credit is when you are unable to pay the full amount of your credit card bill, and ask to pay in installments. Thus, the value of this installment invoice will be charged with interest rates, which are among the highest in the Brazilian market. 

So, it's not worth spending more than you can pay on your monthly bill and ending up falling into revolving credit. Avoid!

That is, understand what your debts are with higher interest rates and total amounts. Afterwards, try to renegotiate these debts or transfer them to another financial institution. 

In addition, there is the possibility of requesting a new loan with lower interest rates, to pay off the outstanding debt.

So, in all these ways you can get better conditions and even reduce the total amount of your debts.

This is basic and essential. Because leaving late bills will create a big snowball with interest rates and fines, in addition to being able to create restrictions on your CPF. In addition, those who pay their bills on time or in advance can receive discounts, in addition to a better reputation as a payer.

The credit card needs to be your friend, and for that you need to understand that it is a payment method to use sometimes. And not a huge monthly expense that clutters up your entire financial life.

Finally, you can understand that you need more money coming in every month to get financially organized. Therefore, this last financial education tip is: look for ways to create extra income, and learn how these values enter into your financial planning. 

Thus, you can use it to create an emergency reserve, to invest, to pay off debts. Because what matters is to identify a skill of yours that you can explore, whether selling products online, making food to sell, handicrafts, working online as a freelancer, the options are many. Explore and see extra money every month!