{"id":19880,"date":"2021-11-03T12:00:00","date_gmt":"2021-11-03T09:00:00","guid":{"rendered":"https:\/\/valorizei.com\/?p=19880"},"modified":"2023-03-03T22:09:14","modified_gmt":"2023-03-03T19:09:14","slug":"como-consumir-de-maneira-inteligente","status":"publish","type":"post","link":"https:\/\/valorizei.com\/en\/como-consumir-de-maneira-inteligente\/","title":{"rendered":"How to consume intelligently"},"content":{"rendered":"

Do you know how to consume intelligently?<\/strong><\/p>\n\n\n\n

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Consuming intelligently is essential to saving money, staying out of debt and always having money left over at the end of the month.<\/p>\n\n\n\n

But unfortunately, many Brazilians are in debt. One of the reasons for this, besides the economic crisis, is the lack of financial education.<\/p>\n\n\n\n

If you think you are not using your money wisely, read this article until the end. We will show you several ways to spend wisely.<\/p>\n\n\n\n

This way, you will find it much easier to save and who knows, you may even feel more motivated to invest your money.<\/p>\n\n\n\n

Check out the tips we have prepared for you:<\/p>\n\n\n\n

\"como<\/figure>\n\n\n\n

1. Record your fixed expenses<\/strong><\/h2>\n\n\n\n

Fixed expenses are those we pay every month, such as rent, mortgage, telephone, internet, etc.<\/strong><\/p>\n\n\n\n

Keeping a record of these expenses is important so that you know how much of your income is left over to build up your emergency fund, invest or spend on leisure.<\/p>\n\n\n\n

There are several ways to carry out this control. You can, for example, use an Excel spreadsheet or even write down these expenses on paper.<\/p>\n\n\n\n

This way, you can know exactly how much you are spending on these fixed expenses.<\/p>\n\n\n\n

It's a way to organize yourself financially and have yet another reason to avoid compulsive shopping.<\/a><\/p>\n\n\n\n

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2. Buy only what you need<\/strong><\/h2>\n\n\n\n

What's the first thing you do when you earn extra money?<\/strong><\/p>\n\n\n\n

Many people, when they receive unexpected money, go straight to the mall to spend it or go to online store websites.<\/p>\n\n\n\n

However, ideally this money should be saved to build up your emergency fund, or it can be used to achieve something even greater in the future.<\/p>\n\n\n\n

For this to happen, you need to give up unnecessary expenses.<\/p>\n\n\n\n

Of course, buying new things is something that everyone likes to do. But those who buy things that they don't need can end up in debt at some point.<\/p>\n\n\n\n

So, rethink your consumption<\/a><\/strong>. Define a consumer attitude to only purchase what is necessary from now on.<\/p>\n\n\n\n

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3. Plan your purchases in advance<\/strong><\/h2>\n\n\n\n

Always make a list of the things you intend to buy.<\/strong><\/p>\n\n\n\n

It may seem like a simple thing, but just having a list already significantly limits your expenses.<\/p>\n\n\n\n

It helps you to organize yourself better, as it prevents you from looking at other items that are not on the list.<\/p>\n\n\n\n

So, before you go to the market, make a note of all the things you really need.<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

4. Do price research<\/strong><\/h2>\n\n\n\n

With the internet, it has become much easier to compare prices.<\/strong><\/p>\n\n\n\n

Even so, many people don\u2019t have the habit of doing price research. If you\u2019re one of them, you\u2019re probably wasting money unnecessarily.<\/p>\n\n\n\n

Never buy anything without first researching the price (except in emergencies, obviously).<\/p>\n\n\n\n

Search in at least two different places. Use the internet for this, or take a walk around your neighborhood.<\/p>\n\n\n\n

You can be sure that price research will help you save more money and consume intelligently.<\/p>\n\n\n\n

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5. Don't ignore small expenses<\/strong><\/h2>\n\n\n\n

Services that charge directly from your credit card, such as Uber and iFood, are real traps for those who want to consume intelligently.<\/strong><\/p>\n\n\n\n

These small expenses, if not controlled, will drain your money and, depending on the situation, could lead to you getting into debt.<\/p>\n\n\n\n

So, don't ignore small expenses. If you have the habit of ordering food through iFood every week, do the following: at the end of the month, look at how much you spent on the app.<\/p>\n\n\n\n

You will realize that many of these expenses can be avoided.<\/p>\n\n\n\n

Of course, from time to time, there is no problem in ordering food home or going out to eat.<\/p>\n\n\n\n

But be careful not to let these expenses compromise your income.<\/p>\n\n\n\n

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6. Ask for a discount<\/strong><\/h2>\n\n\n\n

Many people are embarrassed to ask for a discount.<\/strong><\/p>\n\n\n\n

But if you're making a cash purchase, there's no reason not to ask for a small discount. The most you'll hear is a 'no'.<\/p>\n\n\n\n

This habit will help you save money and make purchases in cash. After all, when you pay in cash or with a debit card, it is easier to try to negotiate with the seller.<\/p>\n\n\n\n

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7. Use cashback platforms<\/strong><\/h2>\n\n\n\n

If you need to make an online purchase, be sure to use cashback platforms.<\/strong><\/p>\n\n\n\n

But after all, what is this?<\/p>\n\n\n\n

Cashback means money back<\/a>. And that's exactly it! By using these platforms, you can recover a small part of the amount spent.<\/p>\n\n\n\n

It is a rewards program that benefits both businesses and consumers.<\/p>\n\n\n\n

The idea is that when you need to buy something, you use these platforms to receive a discount and save money.<\/p>\n\n\n\n

Just be careful not to buy things you don't need, okay? The goal is to save, not spend just for the sake of it!<\/p>\n\n\n\n

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8. Save any extra money<\/strong><\/h2>\n\n\n\n

If you receive extra money, instead of spending it on unnecessary things, put it into your financial reserve.<\/strong><\/p>\n\n\n\n

You will notice that this simple habit will help you increase your income so that in the future, you can make your dreams come true.<\/p>\n\n\n\n

If you invest your money, even better. After all, this way, you can obtain income and increase your assets.<\/p>\n\n\n\n

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9. Set goals and objectives<\/strong><\/h2>\n\n\n\n

What do you really want to achieve in the medium and long term?<\/strong><\/p>\n\n\n\n

Maybe what you want is to take an international trip, buy a car, a house, etc.<\/p>\n\n\n\n

In order to make your dreams come true in the shortest time possible, you need to organize your finances now.<\/p>\n\n\n\n

Define the goals you want to achieve. This way, you will feel more motivated to save and even invest.<\/p>\n\n\n\n

By setting goals, you will have an easier time planning your finances to achieve them.<\/p>\n\n\n\n

This way, you will have less desire to buy things you don't need, as you will have a greater objective, for which it is really worth learning to consume intelligently.<\/p>\n\n\n\n

\"como<\/figure>\n\n\n\n

Conclusion<\/strong><\/h2>\n\n\n\n

We hope that with these tips, you will be able to consume more intelligently from now on.<\/p>\n\n\n\n

Value your money and remember that it is worth giving up momentary expenses to achieve bigger dreams in the future!<\/p>","protected":false},"excerpt":{"rendered":"

Voc\u00ea sabe como consumir de maneira inteligente? Consumir de maneira inteligente \u00e9 essencial para conseguir economizar, ficar longe de d\u00edvidas e fazer com que sempre sobre dinheiro no fim do m\u00eas. Mas infelizmente, muitos brasileiros est\u00e3o endividados. Um dos motivos para isso, al\u00e9m da crise econ\u00f4mica, \u00e9 a falta de educa\u00e7\u00e3o financeira. Se voc\u00ea acha… Continuar lendo<\/a><\/p>","protected":false},"author":21,"featured_media":19882,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"","_seopress_titles_desc":"Voc\u00ea sabe como consumir de maneira inteligente? Separamos algumas dicas essenciais para voc\u00ea lidar melhor com o seu dinheiro. Confira!","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"","_seopress_social_fb_desc":"","_seopress_social_fb_img":"","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"","_seopress_social_twitter_desc":"","_seopress_social_twitter_img":"","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"","_seopress_redirections_param":"","_seopress_redirections_type":0,"_seopress_analysis_target_kw":"consumir de maneira inteligente","footnotes":""},"categories":[9],"tags":[],"class_list":["post-19880","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-educacao-financeira"],"_links":{"self":[{"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/posts\/19880","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/users\/21"}],"replies":[{"embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/comments?post=19880"}],"version-history":[{"count":5,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/posts\/19880\/revisions"}],"predecessor-version":[{"id":31113,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/posts\/19880\/revisions\/31113"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/media\/19882"}],"wp:attachment":[{"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/media?parent=19880"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/categories?post=19880"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/tags?post=19880"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}