{"id":20043,"date":"2021-03-31T19:14:42","date_gmt":"2021-03-31T19:14:42","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=20043"},"modified":"2021-03-31T19:14:45","modified_gmt":"2021-03-31T19:14:45","slug":"como-nao-desperdicar-dinheiro-em-2021","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/en\/como-nao-desperdicar-dinheiro-em-2021\/","title":{"rendered":"How not to waste money in 2021?"},"content":{"rendered":"
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Wasting money can get you into debt<\/strong><\/h2>\n<\/div>
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\"Desperdi\u00e7ar
Wasting money can put you in debt (Image: Not\u00edcias.R7)<\/figcaption><\/figure>\n<\/div>
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When a new year begins, our wish is always to do something different and not waste money anymore. That's why we set goals, we want to make dreams come true and we work hard so that at the end of the year we feel it was worth it.<\/p>\n<\/div>

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And if saving money or paying off debt is among your goals for 2021, this article is ideal for you.<\/p>\n<\/div>

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The way Brazilians deal with money is not the most organized, so much so that we have more than 60 million people with some overdue debt. This is due to the fact that they hardly teach about financial education and when people learn to take care of their own money they are probably already in bad shape, covered in debt.<\/p>\n<\/div>

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One of the many reasons for getting into debt is wasting money. When you buy unnecessary items that you could leave for later or that were simply on sale and you wanted to spend on them, it means that in the future this bad habit could complicate your life. Before going into debt, you should analyze your financial situation, whether you will be able to pay and whether it is worth spending on it.<\/p>\n<\/div>

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If you waste money on unnecessary things, you may not have money for something that you really want to buy and is on sale these days, for example. And in addition to being in debt, you run the risk of getting your name dirty for completely avoidable nonsense.<\/p>\n<\/div>

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And thinking about it, today we want to teach you simple habits, but that will make a total difference in the way you handle your finances. Therefore, in addition to learning how not to waste money, you will also be aware of 5 actions to avoid this waste, avoiding debts and headaches at the end of the month.<\/p>\n<\/div>

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How not to waste money in 2021?<\/strong><\/h2>\n<\/div>
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\"Como
How not to waste money in 2021? (Image: Suno.Research)<\/figcaption><\/figure>\n<\/div>
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When you don't have financial planning, a spreadsheet or any sheet of paper to record fixed, variable and emergency expenses, it is likely that control will be lost. Because there is no way to know all your debts for the month if you don't record them anywhere, so this type of carelessness opens the door to bad habits that can complicate you in the future.<\/p>\n<\/div>

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Undue expenses, installments in several months, lightning promotions, all this leads you to unconscious consumption, the one you spend without even feeling it. In this way, feeding these habits of not registering your debts and spending like there's no tomorrow makes you a potential underpayer in the future.<\/p>\n<\/div>

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Waste has to do with habits that need to be changed and to avoid this you need to have control over what you buy, have discipline and a lot of moderation, especially if you can't afford it. The rule is clear, never spend more than you earn, that way you will never get into debt.<\/p>\n<\/div>

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But that doesn't mean you'll only be able to buy basic and extremely necessary things. Of course, you can and should spend it leisurely or take advantage of that seemingly perfect promotion. However, these things can only be done if there is money for it and if your budget allows it.<\/p>\n<\/div>

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Thinking about helping you not to waste money in 2021, we're going to give you 5 very important tips on actions that you should follow to control your financial expenses and consume consciously. <\/p>\n<\/div>

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5 actions to not waste money<\/strong><\/h2>\n<\/div>
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5 actions to not waste money (Image: AA40)<\/figcaption><\/figure>\n<\/div>
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See now 5 actions to not waste money in 2021 and organize your finances.<\/p>\n<\/div>

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discipline<\/strong><\/h3>\n<\/div>
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\"Disciplina
Discipline (Image: professional atelier)<\/figcaption><\/figure>\n<\/div>
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The first tip is to be disciplined. The best thing to make your life easier is to plan your expenses, so whenever you want to buy something, make a habit of writing it down.<\/p>\n<\/div>

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Start with two lists, one to write down what you want and the other for what you need, so distribute the items to the lists and give priority to those that stay in the part you "need" and if your money still gives for spend on items you want can start adding them to cart.<\/p>\n<\/div>

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This type of exercise helps you plan, set goals and follow them with ease, knowing exactly what you're doing. Besides, it saves you from spending money on unnecessary things.<\/p>\n<\/div>

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So, control yourself and avoid going out with your credit card if you haven't planned to buy anything. This makes you always make conscious purchases, avoiding buying on impulse.<\/p>\n<\/div>

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Not maintaining discipline with expenses that seem silly, such as spending lunches out or orders for delivery, at the end of the month they can generate quite an expense if you calculate it. Therefore, whenever you can prepare your own lunch and take it to work, this way you avoid expenses and still have more reliable food.<\/p>\n<\/div>

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conscious consumption<\/strong><\/h3>\n<\/div>
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\"Consumo
Conscious consumption (Image: Freepik)<\/figcaption><\/figure>\n<\/div>
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Advertisements are full of mental triggers, which make you believe that you need that product at all costs or that you will lose if you don't buy it in 5 hours. That's why it's important not to fall into this type of conversation, promotions exist all year round and if you don't have money at the time, the item will probably go on sale again at events like Black Friday.<\/p>\n<\/div>

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Conscious consumption is knowing how to say no when there is no money. Therefore, beware of purchases on impulse, out of emotion or out of necessity.<\/p>\n<\/div>

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When we talk about conscious consumption, we are also talking about spending on transport by app, delivery and all these new services that make life easier and provide convenience for the consumer. But if you really want to save money in 2021, avoid these types of expenses whenever you can, prefer homemade food and ride the bus or bicycle.<\/p>\n<\/div>

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In addition, it is also important to be aware of the \u201ccheap that is expensive\u201d, of course there are cheap quality products, but knowing how to recognize it is extremely important. What's the point of spending money on something you know will break easily? Therefore, it is more feasible to pay a more expensive amount than to buy any product because it is cheap.<\/p>\n<\/div>

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\n \n Impulse purchases: how to control? <\/a>\n <\/h2>\n
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\n Shopping can be a very satisfying moment, however, for some people it can become a big problem or serious illness. Let's understand how it works <\/p>\n

\n \n Keep Reading \n <\/path>\n <\/svg>\n <\/a>\n <\/div>\n <\/div> \n \n <\/div>\n
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