ORGANIZAÇÃO FINANCEIRA PARA 2022 | DICAS 💰

Summary

In this energetic video, Nath encourages viewers to take charge of their finances and organize their spending for the new year. She covers practical steps such as noting down expenses, understanding fixed, variable, and extra costs, and the importance of having an emergency fund. Nath also discusses using credit cards responsibly, building savings, and investing with small amounts. By offering actionable advice and sharing tools like her free financial spreadsheet, Nath aims to help her audience start 2022 with a clear financial plan, reducing stress and setting the foundation for future financial stability.

Takeaways

• 😀 The year 2022 is the time to take control of your finances and stop making empty promises about saving money.
• 😀 To organize your finances, it’s important to write down your expenses regularly—whether on paper, in a spreadsheet, or through an app.
• 😀 Distinguishing between fixed, variable, and extra expenses is crucial for financial planning. Fixed expenses include rent and loans, while variable expenses fluctuate, like utilities and groceries.
• 😀 Unexpected expenses, such as car repairs or medical visits, should also be accounted for in your budget.
• 😀 The key to controlling your finances is consistency—organize your spending weekly, not just once a month, to stay on top of your budget.
• 😀 Card payments can be helpful for tracking expenses, but it's important to manage them properly and avoid overspending.
• 😀 Credit cards can be used strategically if you make sure to pay off the balance on time and align the payment due date with your income cycle.
• 😀 Start saving even if it’s just a small amount—R$10, R$20, or more each month can help build an emergency fund.
• 😀 Invest your savings in options like Tesouro SELIC or CDB to grow your money with minimal risk, especially for your emergency fund.
• 😀 Financial discipline and organization are essential for managing both everyday expenses and long-term goals like building an emergency fund.
• 😀 Remember, it's okay to start small, and don’t feel guilty if you can’t save large amounts right away. Every bit counts in the journey towards financial stability.

Q & A

What is the main goal of the video?

The main goal of the video is to help viewers organize their finances, plan effectively for the year, and avoid common mistakes like failing to stick to financial resolutions.

What should viewers do to start organizing their finances?

Viewers are encouraged to grab a pen and paper, then start by categorizing their expenses into fixed, variable, extra, additional, and leisure categories. This will help them understand their financial situation better.

Why is it important to track small, daily expenses?

Tracking small daily expenses, like snacks or minor purchases, is crucial because they can accumulate over time and create financial problems, even if they seem insignificant individually.

How often should you track your spending?

It is recommended to track spending once a week to avoid forgetting smaller purchases and to maintain awareness of your overall financial health.

What are fixed expenses, and can you give examples?

Fixed expenses are regular payments that occur every month and typically do not change in amount. Examples include rent, utilities, and loan payments.

What are variable expenses?

Variable expenses are costs that fluctuate based on consumption, such as electricity, water, groceries, transportation, and personal care services like manicures.

How can you prepare for unexpected expenses?

To prepare for unexpected expenses, it's important to create an emergency fund by saving small amounts regularly. This fund can be used for urgent costs like car repairs or medical bills.

What role does the credit card play in financial organization?

The credit card can be a useful tool for financial organization if managed properly. It provides a clear record of purchases, and it’s important to track credit card spending weekly to stay within your budget.

How can one use a credit card wisely?

To use a credit card wisely, avoid overspending by setting a budget for your card usage and paying off balances promptly. It’s also helpful to schedule your credit card’s payment due date to align with when you can comfortably make the payment.

What is an emergency fund, and why is it important?

An emergency fund is a financial safety net that helps cover unexpected expenses without disrupting your regular finances. It’s crucial for avoiding debt when emergencies arise, like sudden medical bills or car repairs.

What are some options for saving money or building an emergency fund?

Some options for saving money include using the Tesouro SELIC or CDB with daily liquidity. These are safer investment options that allow for easy access to funds while earning some interest, which helps grow the emergency fund.

How can viewers start saving even if they don't have much money?

Viewers are encouraged to save small amounts, even as little as R$10 to R$30 per month. The key is consistency, and every small contribution helps in building an emergency fund or future savings.