{"id":21901,"date":"2021-12-15T17:33:45","date_gmt":"2021-12-15T14:33:45","guid":{"rendered":"https:\/\/valorizei.com\/?p=21901"},"modified":"2021-12-16T00:49:32","modified_gmt":"2021-12-15T21:49:32","slug":"metodo-50-30-20-o-que-e-e-como-usar-no-dia-a-dia","status":"publish","type":"post","link":"https:\/\/valorizei.com\/en\/metodo-50-30-20-o-que-e-e-como-usar-no-dia-a-dia\/","title":{"rendered":"50-30-20 Method: what is it and how to use it in everyday life?"},"content":{"rendered":"

The 50-30-20 method is one of the most efficient ways to organize your finances and save money.<\/strong><\/p>\n\n\n\n

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The 50-30-20 method is the solution for those who want to manage their personal budget and don't know how to start.<\/p>\n\n\n\n

After all, creating a financial plan is not always easy. For this reason, there are some organizational techniques to make the process easier, which is the case with this method.<\/p>\n\n\n\n

By applying this rule, you can have a more organized and peaceful financial life.<\/p>\n\n\n\n

Want to know what this is and if the 50-30-20 method fits into your routine? Then keep reading for more information!<\/p>\n\n\n\n

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

What is the 50-30-20 method?<\/strong><\/h2>\n\n\n\n

The 50-30-20 rule is a method of personal financial organization.<\/strong><\/p>\n\n\n\n

In other words, it is a reference to guide your budget.<\/p>\n\n\n\n

Applying this rule to your routine means establishing a spending limit for these three areas: essential expenses, variable expenses and investments.<\/p>\n\n\n\n

According to the method, 50% of your earnings should be directed to personal accounts.<\/p>\n\n\n\n

Variable expenses (non-essential) can represent up to 30% of your income.<\/p>\n\n\n\n

Finally, there are the 20%, which should be reserved for saving and investing.<\/p>\n\n\n\n

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How to organize your salary using the 50-30-20 method?<\/strong><\/h2>\n\n\n\n

Now that you know how this rule works to organize your salary, it's time to learn how to use it. Let's go!<\/p>\n\n\n\n

50% for essential expenses<\/strong><\/h3>\n\n\n\n

Half of your net income should be set aside for living expenses and basic necessities.<\/strong><\/p>\n\n\n\n

These expenses are necessary to keep your routine in order.<\/p>\n\n\n\n

But after all, what can be considered an \u201cessential expense?\u201d<\/p>\n\n\n\n

In general, these are expenses with:<\/p>\n\n\n\n

\u2022 Rent<\/p>\n\n\n\n

\u2022 Food<\/p>\n\n\n\n

\u2022 Electricity bill<\/p>\n\n\n\n

\u2022 Internet and telephone bill<\/p>\n\n\n\n

\u2022 Cooking gas<\/p>\n\n\n\n

Of course, these expenses depend on your reality.<\/p>\n\n\n\n

For a family of four, it is natural that electricity costs are a little higher.<\/p>\n\n\n\n

A person who lives alone will probably spend less on this essential expense.<\/p>\n\n\n\n

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30% for variable (superfluous) expenses<\/strong><\/h3>\n\n\n\n

One third of your income can be spent on products and services that are not considered essential, but are good for you.<\/strong><\/p>\n\n\n\n

Obviously, at some points in life, if you are on a tight budget or saving money to achieve a goal, you may need to cut back on some of your unnecessary expenses.<\/p>\n\n\n\n

Some expenses that fit into this section include travel, cinema, restaurants, streaming services, among others.<\/p>\n\n\n\n

Without a doubt, this is the most personal part of the entire method. After all, only you know what can really be considered leisure in your routine!<\/p>\n\n\n\n

And it is in this category that some problems often arise, as some people are unable to control spending on non-essential expenses.<\/p>\n\n\n\n

Obviously, you need some leisure time. Just be careful that these expenses don't compromise your entire income, because if that happens, you could end up in debt.<\/p>\n\n\n\n

To avoid debt, it is essential to have a standard of living that is in line with your income.<\/p>\n\n\n\n

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20% for debts and investments<\/strong><\/h3>\n\n\n\n

Here you will find the resources you need to save to pay off debt or achieve long-term financial goals.<\/strong><\/p>\n\n\n\n

This category may even be new to those who were not familiar with the 50-30-20 method. After all, most Brazilians do not have the habit of saving and investing.<\/p>\n\n\n\n

The 20% percentage of your salary should be used to pay off debts, if you have any financial issues.<\/p>\n\n\n\n

If this is not your case, you can use the 20% for investments and for building your business. emergency reserve.<\/a><\/p>\n\n\n\n

More important than reaching your goal is creating the habit of saving and investing. Saving a small amount is better than saving nothing.<\/p>\n\n\n\n

So, if you are currently unable to save 20% of your income, don't let that stop you. As you already know, the first step is to get started. Over time, you will be able to increase the volume of investments.<\/p>\n\n\n\n

\"cita\u00e7\u00e3o\"<\/figure>\n\n\n\n

How to implement the 50-30-20 method?<\/strong><\/h2>\n\n\n\n

One of the main advantages of this budget is its flexibility.<\/strong><\/p>\n\n\n\n

However, it is up to you to decide how to use it.<\/p>\n\n\n\n

For example, if your current priority is paying off debts, you can use a larger portion of your budget to pay off your financial debts.<\/p>\n\n\n\n

Now, see a step-by-step guide to applying the 50-30-20 method:<\/p>\n\n\n\n

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1. Map out all your expenses<\/strong><\/h3>\n\n\n\n

It may seem obvious, but many people don't know exactly how much they spend each month on essential expenses.<\/strong><\/p>\n\n\n\n

The first step is to review your budget.<\/p>\n\n\n\n

This step will give you a more in-depth view of your expenses and show whether you are really managing to live within your standard of living or whether you are spending more than you can afford.<\/p>\n\n\n\n

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2. Make the necessary adjustments<\/strong><\/h3>\n\n\n\n

Once you\u2019ve mapped out all of your expenses, it\u2019s time to make some adjustments to your budget.<\/strong><\/p>\n\n\n\n

Here are some tips on what you can do:<\/p>\n\n\n\n

\u2022 Calculate your debts and start negotiating to reduce the amount<\/p>\n\n\n\n

\u2022 Readjust non-essential expenses and establish a maximum amount to spend on leisure<\/p>\n\n\n\n

\u2022 Set financial goals to achieve in the long term<\/p>\n\n\n\n

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3. Automate control<\/strong><\/h3>\n\n\n\n

To know if you are managing to keep your expenses within each category, it is important to monitor all your income and expenses.<\/strong><\/p>\n\n\n\n

You can do this through an Excel spreadsheet, a notebook or a personal finance app.<\/a><\/p>\n\n\n\n

Once you\u2019ve organized, there\u2019s no point in simply forgetting about your planning.<\/p>\n\n\n\n

After all, just creating a plan to take care of your finances is not enough \u2013 you need to put it into practice.<\/p>\n\n\n\n

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4. Prioritize overdue debts<\/strong><\/h3>\n\n\n\n

If you have any debts, the first step is to pay them off and negotiate them as quickly as possible.<\/strong><\/p>\n\n\n\n

Otherwise, financial issues will continue to affect your budget.<\/p>\n\n\n\n

Furthermore, before you even start saving and investing, it is ideal that you organize yourself to stay up to date with your bills.<\/p>\n\n\n\n

\"6<\/figure>\n\n\n\n

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

Now you know what the 50-30-20 method is and how to put it into practice.<\/p>\n\n\n\n

Also, remember that it can be flexible according to your reality, expenses and financial priorities!<\/p>","protected":false},"excerpt":{"rendered":"

The 50-30-20 method is one of the most efficient ways to organize finances and save money. The 50-30-20 method is the solution for those who want to manage their personal budget and don't know how to start. After all, creating a financial plan isn't always easy. For this reason, there are some organizational techniques to facilitate the process\u2026 Continue reading<\/a><\/p>","protected":false},"author":21,"featured_media":21902,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"","_seopress_titles_desc":"O m\u00e9todo 50-30-20 \u00e9 a solu\u00e7\u00e3o para quem quer gerenciar o or\u00e7amento pessoal e n\u00e3o sabe como come\u00e7ar. Veja como por em pr\u00e1tica!","_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":"M\u00e9todo 50-30-20","footnotes":""},"categories":[9],"tags":[],"class_list":["post-21901","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\/21901","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=21901"}],"version-history":[{"count":7,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/posts\/21901\/revisions"}],"predecessor-version":[{"id":21946,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/posts\/21901\/revisions\/21946"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/media\/21902"}],"wp:attachment":[{"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/media?parent=21901"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/categories?post=21901"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/tags?post=21901"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}