When setting up financial planning, the first idea that comes to mind is how to save money. In this, people seek varied methods, to have a good financial return.

This happens because, in the current inflation rates, just keeping financial values at a standstill is not advantageous because in the long term, it could bring losses and not financial gains.

Today, we're going to show you how you can save money in 2021, and give tips that bring quick and efficient results.

Initially, saving money brings many advantages, for example, not depending on financial loans in urgent or emergency situations.

And besides, saving money brings security and comfort in many other situations, making you financially organized.

To answer this question, first of all, you need to understand that there are no exact values for saving money.

However, it is recommended that at least 10% of the monthly income be directed towards financial priorities, and, when not available, they can be saved.

This is because it is important to mention that the amounts to be saved will vary depending on each person, and each financial situation.

So, we cannot establish a single parameter, as financial realities are different.

So now, let's get to know 10 days for you to start saving money in 2021. Check it out:

And, our first tip is for you to have a spending control worksheet.

For this, you can make the spreadsheet through Excel, on good old paper, or even through an expense application.

In this worksheet, you will place all income and expenses, whether fixed or variable, as well as all your income in detail.

It is important to mention that no information should be left out, even if there are old debts.

That's because many people fail to do the expense control worksheet, for fear of facing all the expenses.

However, the spreadsheet is the first step to be taken towards a balanced and organized financial life. 

There are applications that you can download on your cell phone, such as Guia Bolso and Mobiilis, which offer several simple and interactive functions, to make your cost control even more useful.

So, be sure to make your expense control worksheet, so you can start saving money.

Another money-saving tip is to cut all superfluous expenses, that is, unnecessary ones.

That's because, within your expense control worksheet, it will be even easier for you to visualize which are the useful and superfluous expenses.

So, cut all superfluous spending or at least reduce it as much as possible.

These expenses can be from the coffee after lunch every day at work, to that lunch at the restaurant, which can change from a luxurious restaurant to a simpler one.

In these cases, the immediate difference may be minimal, but at month-end closing time, the difference is significant.

So, cut back on any expenses that can be avoided or cut down to less expensive options.

Another option to save money is to carry out credit portability.

That is, transferring a credit agreement from one financial institution to another financial institution.

In these cases, the advantages are based on the fact that the values of the second institution cannot be higher than those of the first.

Then, the fees and values must be negotiated between the client and the new financial institution.

Therefore, credit portability is an option for those who want to save money and still pay off debts.

When it comes to saving money, setting savings goals is also a great opportunity to achieve your own financial goals.

That's because, by creating your own goals, you will force yourself to save money, reduce expenses, and do whatever is necessary to reach your goals.

So, try to set targets for the amounts you intend to save, and how long you intend to reach these amounts.

Therefore, setting savings goals is also one of the steps to saving money in 2021.

Another money-saving tip is to pay your bills on time, that is, on the recommended dates.

This is because, with delays in bills, interest rates and fines are usually charged, damaging finances.

So, choose a day of the month to pay all your expenses, so that there are no delays.

In that case, still in the worksheet that we mentioned earlier, write down all your financial transactions, and that way you will be able to know about all your financial expenses.

When shopping with your credit card or bank slip, avoid making long installments.

This is because, the longer the installment, the greater the chances of not being paid on time.

Well, the amounts you have to make the payment today, maybe not in the long term, so it is recommended that the installments are short.

Therefore, when making a purchase, if it is necessary to pay in installments, do so in minimal installments.

Another tip is for you to use your credit card only when necessary, always remembering that it is a means of payment and not an expense.

This is necessary, as many people use the card as an expense, making unnecessary expenses and accumulating debt.

So, remember that the card is an option to improve your life, not to bring more financial problems.

This tip is very useful, and most of the time, people overlook it: Using and abusing discounts and cashbacks.

There are several websites and apps that provide you with various discount coupons, and you can also get cashback on many platforms.

So, take advantage and take advantage of every opportunity that comes your way, to save more and more!

This tip has two ways: one is for you to set a maximum value for leisure, but the other is for you to be sure to enjoy your life.

That's because some people spend wildly on tours, and at the end of the month, the account simply doesn't close.

Already, others, forget to take time for themselves, and enjoy with friends and family, which is also a mistake.

So, be sure to have your leisure time, however, know how to use the middle ground, so as not to spend too much.

Opt for outdoor activities like walking, jogging, outdoor training in squares and parks, there are many options.

And, to close our tips, to save money you need to make an emergency reservation.

This reserve will be a priority in cases of financial emergencies and urgencies, bringing security and convenience to you.

So, be sure to make your financial reserve with the amounts you can at the moment, to start your financial investments.

This question is another one that can also be answered in different ways, as it will vary with the profile of each investor.

So, to save money there are several ways such as CDB, Direct Treasury, Investment Funds, among other forms of income and variable liquidity with all the necessary security for significant financial returns.

The fact is, the best alternative to save money is to study all the options at your disposal and make an investment schedule.

Therefore, remember to always study the best investment options to make an intelligent choice.

There are several advantages to starting to save money, we will mention a few below. Check out:

This is the first advantage of saving money, improving financial planning.

This is because, by saving money, people are able to organize themselves better, cutting unnecessary expenses, and building a more organized income.

So, the tendency is for people to learn to better structure their own budget, paying expenses, and improving income.

Therefore, improved financial planning is one of the biggest advantages of saving money.

Another advantage of saving money is building long-term equity.

So, when it comes to saving money, building equity is one of the long-term results that happen when investments are made correctly.

Therefore, organizing the budget makes the construction of heritage become lasting.

Another great advantage of saving money is learning to manage your own finances and those of your dependents.

So, when it comes to saving money, you need to do financial planning, as we mentioned above, hence finance management. 

And, nowadays, having good financial management is important, in order to know how to deal with income and expenses, as well as urgent and emergency situations.

That is, be sure to take advantage of this opportunity to save money, and thus learn to deal with your own finances, and also those of others.

Therefore, when choosing to save money, make all the necessary notes to be aware of your own financial life.

To close our advantages, let's list one of the most loved ones among them, which is the possibility of enjoying some luxuries.

This is because, having saved values, the person will be able to count on the finances reserved, to allow himself to enjoy some luxuries.

Among these luxuries, we can mention:

Of course, these situations would be occasional, but they are still small luxuries that those who save can afford.

And besides, those who save money will be able, in the long run, to buy a car or their own house, as well as to retire or still have money to travel around Europe, who knows?

Therefore, always remember that saving money brings numerous advantages, not only financial, but also behavioral.