MÉTODO N.A PRA QUEM GANHA POUCO DINHEIRO! Planejamento financeiro FÁCIL!

Summary

In this video, the creator shares personal financial planning tips for those earning low salaries, emphasizing the importance of tracking expenses even without complex spreadsheets. Using simple methods like writing down every purchase and categorizing expenses, viewers can better manage their finances. The video also stresses the significance of prioritizing savings and investments, even with limited income. The creator reveals a 40-30-20-10 budget rule to distribute remaining funds across categories like food, entertainment, and unforeseen expenses. By making small but strategic adjustments and seeking additional income, anyone can improve their financial situation over time.

Takeaways

• 😀 Set financial goals and track spending: Start by tracking every expense, no matter how small, on a daily basis for 30 days.
• 😀 Use simple tools: A basic sheet of paper with columns is enough to track your spending and make a budget, no need for complicated spreadsheets.
• 😀 Prioritize tracking: Record the date, what you purchased, where, how much, and how you paid for it to fully understand your financial behavior.
• 😀 Plan before the month begins: List expected bills and expenses in advance, including fixed costs like loans, utilities, and investments.
• 😀 Make investing a priority: Treat investing as a non-negotiable 'bill,' aiming to invest at least 30% of your income, even on a small salary.
• 😀 Don't wait for savings to build: Even on a low salary, allocate a percentage for investments first, which can help you build wealth over time.
• 😀 Categorize expenses: Break down your daily spending into categories such as food, transport, entertainment, health, and unexpected costs.
• 😀 Use a budgeting rule: The 40/30/20/10 rule is a great guideline for how to allocate your remaining budget into different categories.
• 😀 Adjust as needed: You can modify the 40/30/20/10 rule depending on your priorities (e.g., allocate more for food or entertainment).
• 😀 Consider extra income: If your remaining budget isn’t enough, explore ways to earn extra income to meet your financial goals and cover essential categories.

Q & A

What is the main focus of the video?

The main focus of the video is to teach viewers how to plan their finances even when they are earning little, by simplifying the process and using basic tools like a simple sheet of paper and a pencil instead of complex spreadsheets.

Why does the speaker suggest using a sheet of paper instead of a spreadsheet?

The speaker suggests using a sheet of paper because it is a simple, portable, and practical way to track expenses, making it easier to follow through without the complexity of digital tools.

What is the first step in financial planning mentioned in the video?

The first step in financial planning is to track every penny spent daily for 30 days. The speaker emphasizes the importance of making daily annotations of all purchases.

How does the speaker recommend organizing expenses?

The speaker recommends organizing expenses by creating five columns on the sheet of paper: date, item bought, where it was bought, how much it cost, and how it was paid for (e.g., with cash or a voucher).

Why does the speaker highlight the importance of tracking how purchases are paid for?

Tracking how purchases are paid for is important because it helps distinguish whether the expense came from personal funds or other sources like meal vouchers, which helps with understanding the real impact on the budget.

What is the purpose of categorizing expenses into groups?

Categorizing expenses helps prioritize spending. By organizing expenses into categories like food, transport, leisure, and unexpected costs, individuals can allocate their limited funds more effectively based on their needs.

What is the '40-30-20-10' rule introduced in the video?

The '40-30-20-10' rule is a budgeting method where the person divides their remaining budget into categories: 40% for one category (e.g., food), 30% for another (e.g., transport), 20% for another, and 10% for unexpected costs.

How does the speaker suggest adjusting the '40-30-20-10' rule for individual needs?

The speaker advises adjusting the percentages based on personal priorities. For example, if food is more important to you than leisure, you can allocate a higher percentage to food and a lower percentage to leisure.

What should someone do if their available funds are not enough to cover their needs?

If the available funds are not enough to cover needs, the speaker recommends seeking ways to increase income, such as finding a part-time job or generating extra income through side hustles.

What personal strategy did the speaker use when earning a low salary?

The speaker worked multiple jobs, including on weekends, in order to increase their income. This extra effort allowed them to continue saving and investing, even when earning a low salary.