We all know the importance of saving money, but few actually manage to save every month. This happens because saving money each month can be a big challenge when we are not in the habit of saving.

But even though it is difficult, it is essential to carry out this practice. From it, you will be able to guarantee an income in the future to be able to cover expenses or serve as an emergency reserve.

So, to start saving money every month, you need to plan very well. But, in addition, it is also essential that you put your savings as a priority in your financial life.

That way, it will be easier to save every month. In the following post, you can find more tips to save money every month! 

Many Brazilians want to save a certain amount of money each month. That way, they can have a reservation or be able to buy a product in cash. For this, you need to start setting a monthly amount to save.

But when it comes to setting this value, many people may get confused. After all, how much would be ideal to save money per month?

To answer this question, you need to know your financial reality very well. That way, you'll be able to set a value that you can save every month.

To define this value, many experts suggest that the ideal thing is that the amount to be saved is equal to 10% of your salary. Therefore, a person who receives R$1,000.00 per month should save the amount of R$100.00.

However, it is important to remember that this value is only a suggestion. It's up to you to analyze your financial life to determine whether it's possible to save that amount, or whether you need to save less or more.

After defining the ideal amount to be saved every month, you can start saving that amount. But in order to be able to save every month, you will need to make adjustments to your financial life.

For this, we separate below some good practices that you can implement in your personal finances to be able to save money every month!

The first step to saving money is knowing where your money is going. This can be done by analyzing your monthly expenses, noting what your fixed and variable expenses are.

To do this, you can start writing down all your fixed expenses, such as electricity, water and rent, in a spreadsheet or notebook. 

In the same place, you can write down your variable expenses, such as those made on your credit card. You can access them by consulting your bank statement or reviewing your invoices. By doing this, you'll get a better sense of how you're using your money.

After analyzing your expenses, you have surely found some expenses that could be cut. Items like delivery, subscriptions or even a product bought on impulse can be items to be cut from your finances.

In this way, it is interesting for you to look at your expenses and see the possibility of cutting those that are more superfluous. This way, you will be able to make a larger amount of your salary available for saving.

Many people have tried to save money every month, but ended up failing and using the amount for their expenses. This usually happens when we don't have a clear goal of why we're saving every month.

Having a goal keeps us motivated to save money each month. By knowing how that money will be used in the future, we can be more excited to save and we can cut expenses more easily.

Every time we delay the payment of a bill, it ends up contracting interest that, generally, is added each day that the delay continues. This is something very dangerous for your personal finances, and it could turn into a big snowball.

To avoid this, the ideal is always to pay your bills on time so that they don't have high interest later. You can put a reminder on your cell phone so you never miss the deadline.

Even if you've cut some spending, you'll still need to buy some items in the future. But, in order not to spend too much, you can try to take advantage of the promotions and discounts that the stores offer!

That way, you'll be able to save on your purchases and not compromise the money that should be saved. 

For this, you can look for discount coupons on specialized sites, such as Coupononomia. And you can use price comparators to buy the cheapest option.

When it comes to saving money per month, many people want to save a large amount. This is totally possible, but you need to plan to save more money.

For those who want to save R$1,000.00, it is interesting to analyze your expenses and see the expenses that can be cut. In addition, it is essential to maintain a certain control of your finances and avoid buying on impulse as much as possible.

In this way, it is interesting that you always think better before purchasing a product or service. Check whether it is a major need or more of a perfunctory expense. 

And to be able to save that amount, it's interesting to have a clear goal in mind. As discussed earlier, this can help you stay on track and stay motivated to save money each month.

But, if your monthly income does not allow you to save R$1,000.00, you can start doing some extra work to earn extra income. 

For this, you can work as a freelancer, answering online surveys or even selling products you don't use. 

Saving a portion of your earnings every month is something that only benefits you. But, the main benefit of saving your money is achieving your financial independence so you can have a better quality of life.

By saving money and having an emergency reserve, you guarantee that you will have more financial security in the future. 

That way, if something happens, like a layoff or a health issue, you can pay for the expenses related to it without worrying.

In addition, saving money per month allows you to purchase products or services by paying in cash. That way, you can even negotiate the amount and access more interesting payment options.

And by investing the money you save, you can make your money work for you. That way, with enough organization, it is even possible to retire early.

If you want to invest the money you want to save per month, check out the following article for some options for you to invest!