7 DICAS PARA QUEM GANHA POUCO ECONOMIZAR DINHEIRO

Summary

In this video, the speaker offers seven practical tips to help people save money and manage their finances better. From comparing prices and avoiding impulsive purchases to prioritizing saving and building an emergency fund, the speaker emphasizes the importance of mindful spending. Key advice includes not borrowing to fulfill desires, paying yourself first, and choosing to be truly wealthy rather than simply appearing wealthy. The video encourages viewers to adopt a counter-cyclical approach, making decisions that save money, such as buying off-season products and avoiding peak times. These strategies aim to foster financial discipline and long-term wealth building.

Takeaways

• 😀 Good investing alone isn’t enough. You must also know how to save and manage your money to achieve financial success.
• 😀 Saving money is like having infinite returns, as you effectively keep more of your money over time instead of spending it on unnecessary purchases.
• 😀 Always compare prices before buying anything. Simple research can save you significant amounts, even on relatively inexpensive items.
• 😀 Before making a purchase, ask yourself: Do I really need it? Can I afford it? Is it the right time? Is it overpriced?
• 😀 If you have things that you don't use or need, sell them! Unused items are just money sitting in your home.
• 😀 Don't rush to fulfill your dreams through debt. Build an emergency fund first, as unexpected events can create serious financial stress.
• 😀 Pay yourself first. Prioritize saving and investing a portion of your income before spending on other things.
• 😀 Choose to be wealthy, not just to appear wealthy. Avoid unnecessary expenses that only serve to impress others.
• 😀 Sometimes, the best investments are made when others are not interested. Learn to think and act against the crowd for better opportunities.
• 😀 Being financially disciplined and saving consistently is more important than looking rich. Focus on long-term financial freedom, not short-term status symbols.

Q & A

What is the main message of the video?

The main message of the video is that to be financially successful, it's not just about being a good investor but also about understanding how to manage money through good investment, smart spending, and efficient saving.

How does saving money compare to making a return on investment?

Saving money is compared to having infinite returns because when you avoid unnecessary spending, it's like keeping that money for future use. This way, you accumulate more over time, without needing to wait for high investment returns.

What is the first tip for saving money when earning a low income?

The first tip is to compare prices before making any purchase. This simple step can save you a significant amount of money, even on small purchases, like buying a book or expensive gadgets like an iPhone or AirPods.

What is the purpose of asking the 'three or four questions' before buying something?

The purpose of asking these questions is to evaluate whether the purchase is really necessary, whether it's affordable, and whether it's something you genuinely want. This helps avoid impulsive and unnecessary spending.

Can you give an example of using the 'three or four questions' rule?

An example is when the speaker was at an airport and wanted to buy a snack. By asking themselves if they really wanted it, if it was affordable, and if it was a reasonable purchase, they decided not to buy it due to the high price.

Why is it important to sell unused items?

Selling unused items helps you free up money tied up in things that are not being used, and turns those items into cash. The speaker suggests not holding onto things just because you think they might be useful someday.

What is the danger of advancing dreams without having an emergency fund?

Advancing dreams, like buying luxury items or taking vacations before having an emergency fund, can lead to financial disaster if an unexpected event occurs, like an accident or job loss. Having an emergency fund is crucial for financial stability.

How does the speaker suggest you should manage your money differently than what is traditionally taught?

The speaker suggests the formula 'What you earn minus what you invest equals what you spend,' instead of the traditional 'What you earn minus what you spend equals what you save.' This method emphasizes investing first to secure financial growth.

What is meant by choosing to 'be rich' versus 'appearing rich'?

Choosing to 'be rich' means focusing on building wealth through smart investments and savings, rather than 'appearing rich' by spending on visible luxury items like expensive cars or gadgets to impress others.

What is the 'anticyclical' principle mentioned in the video?

The 'anticyclical' principle suggests that you should make decisions opposite to the majority. For example, buying winter clothes in the summer or traveling off-season can save money and avoid higher prices during peak times.