With the new year approaching, many people who have made bad financial decisions are already starting to think about how to organize their finances so that 2023 will be a different year.

For this, you need to change your consumption habits and become a more organized and, above all, controlled person when it comes to spending money.

In addition, it is always interesting to think about saving your money and even investing to protect your assets. But, putting this into practice is not always easy.

Therefore, in this article, we separate the main tips that will help you learn how to organize finances for the new year and give the importance that this practice has!

Namely, many people in Brazil have financial problems. And those who don't have it certainly have a friend, relative or colleague who is always in the red.

Usually, this situation can happen due to several bad financial decisions, such as:

In summary, all the financial decisions we have listed happen when the person does not know how to organize finances.

Thus, without a basic financial organization, it can continue to make bad decisions, based only on solving short-term problems.

That way, as time goes by, in the long run that person can become indebted, with a dirty name and lose access to credits that could help him.

But, this scenario can be easily resolved when we learn how to organize finances. 

It is from this organization that we are able to have a broad view of finance and thus make intelligent decisions that help us in the short term without affecting the long term.

And, as difficult as it may seem at first, being financially organized is a habit that you build little by little and become more and more motivated along the way when you realize that it is bearing good fruit.

But to have that, you need to start learning how to organize finances so that your 2023 really is different!

In summary, starting to organize yourself financially is not always easy. For this, you need to understand your current financial scenario and, if possible, create goals that indicate where you want to be in the next year.

This way, you can be more motivated and see a real and plausible reason for the effort you are currently making.

So, we've separated some tips below that can help you when learning how to organize finances for next year!

First, before you even set your financial goals, you need to know your current situation.

To do this, you can do a simple exercise and record in a notebook or spreadsheet all the money that came and went from your bank account in the last month.

By doing this, you can see if you are spending more than you receive or if what you receive is enough for your bills.

So, you can now continue making the same record for the next 12 months and add the main bills you will pay and expenses you plan to make throughout the year.

This will help show you where your financial situation is so that you have a baseline to start planning for next year.

With the survey done, you can already think of actions to take and thus improve your personal finances.

For example, you may have noticed that your credit card bills eat up a large portion of your paycheck. With that in mind, as an action you can set a spending limit for your invoices.

Or else you may have realized that the debt you have has high interest rates. Therefore, you can contact the financial institution to try to renegotiate the debts.

That way, you can gradually create simple financial solutions to your problems to make 2023 more peaceful.

With action plans ready, you can now define your main financial goals. In short, they're going to be very much based on the action plan you've created. Thus, each plan can have a goal for it to be fulfilled.

Thus, for those who would like to spend less on the card, they can set the goal that all their invoices do not exceed R$ 500.00, for example.

And the same thing can be done with debt renegotiation. You can set a specific value that the debt portion must have so that your finances are more relaxed.

Another interesting practice for you to do in the new year is to set budgets for your main purchases.

Namely, one of the reasons why people acquire debts or a very high bill on their credit card is due to a lack of budget when going to buy an item.

Therefore, an interesting practice for you to do is to always set a spending budget every time you go somewhere.

That way, if you go out with your friends, you can define that you will only spend R$ 100.00, for example. Or else, on an outing to the mall, you can budget R$ 200.00.

Here everything will depend on your needs and, of course, the values that each establishment works for. So you can set a realistic spending budget for both your finances and where you're going!

Another practice that helps you to establish budgets is to always spend on what is really necessary.

Surely all of us at some point in life buy something on impulse. This is that unplanned purchase or acquiring an item that in practice, we don't need that much.

Therefore, to avoid this scenario, it may be interesting for you to ask yourself:

So, by asking yourself these simple questions, you can better filter the items to be purchased and you can make smarter purchases in the future.

Saving on purchases is always good, and a good way to do this is by comparing product prices before buying.

In addition to helping to avoid impulse purchases, price comparison allows you to have a better idea of the prices charged and get the item you need without spending too much.

Namely, a good practice to have when comparing prices is to use specific tools for this, such as Zoom or Buscapé.

Thus, with them you can check the price of products in different stores, in addition to being able to create price alerts to buy the product when it is at the lowest price!

Often, the credit card is the main enemy of many people's financial organization. The released limit, which is sometimes high, can go to our heads and make us believe that we can spend more.

In addition, the invoice amount can deceive us if we always make small purchases on the card. As much as R$ 10, R$ 20 or R$ 30 don't seem like much alone, when they come together they end up generating a high bill.

Therefore, to prevent the credit card from becoming the main villain of your financial organization, you must use the resource with care and moderation.

For this, it may be interesting to avoid spending all purchases on the card and always try to pay more in cash. 

In addition, setting a limit value for your monthly bill also helps you spend less and bring more peace of mind to your finances.

Last, but certainly not least, we have the creation of an emergency reserve.

In short, by having her, you can avoid many financial problems and leave your finances properly balanced.

In addition, the reserve offers you greater security and provides a better quality of life when you know you have somewhere to turn in case things do not work out.

So, to create your emergency reserve, you only need two things:

As much as many Brazilians are not used to saving money, it can be a good exercise to try to save just to build an emergency reserve.

So, you only need to save for a few months until you reach the ideal amount. With that, you can leave your savings invested in some cool title to guarantee your purchasing power in the future!

To help you with this task, we separate a post on the subject below. Read and check!