Secure investments for what is going on
Making investments can seem distant to what time you can make. The truth is that financial security comes before the same investment: come for reserva de emergência. This is the first step to have peace of mind and be prepared for unexpected events, with just a little preparation. In this article, please understand what it is, why and how to assemble an emergency reserve together with an open container.
The emergency reserve is a value guarded for unexpected situations, such as health problems, loss of business, servant of the house or car. You guarantee that, in the face of an unexpected event, you do not have to resort to expensive unexpected situations or enter the paper rotation, which is very high.
Contrary to what many of us think, a reserve is not to invest in something that will pay off. You need to be available and safe, because priority is given to you acesso rápido ao dinheiro.
Many people credit us with the fact that we can save money. In practice, however, one must make a more precise measure of financial protection, since there is no time to absorb unexpected expenses.
The reserve is what prevents a simple unexpected event from causing a snow storm. Além said, bring peace of mind: you sleep peacefully knowing that you have a blanket for emergencies.
A common recommendation is ter or equivalent to 3 to 6 months after your custom fixes guardados. Por exemplo:
But this is a final goal. To make it easier for you, you can come with something better. A good first mark is juntar or equivalent to 1 mês de gastos. Afterwards, it gradually expands.
Note all your fixed gases (aluguel, light, water, internet) and variáveis (lazer, delivery, small purchases). It shows why the customer is learning and helps to find small values that can be saved.
Even if it is little — R$ 20, R$ 50, R$ 100 — or important is to regularity. Always look, everything, day or night.
Take the value of the reserve as a fixed count, as if it were another or a light count. First of all, you should avoid “gastar o que sobrar”, then normally it is not sober.
Watching it at home is a must to be used. Prescribe contacts or applications that are difficult to know by impulse.
For this reason, the reserve money cannot be saved at home, but also the high-risk investments or applications that we take the money cannot be paid for.
As melhores opções são:
Avoid products such as long-term CDBs, LCIs, LCAs, multi-market funds and emergency reserve items. You may not be able to reset quickly or suffer value variations.
When the voice comes, the value seems small, but with discipline it grows. As long as you have a little extra money (13th, return of IR, sale of goods, bico), set aside a part for the reserve.
And every time you get a salary increase, try to increase your value as well. Assim, the master of life grows together with financial security.
Emergency reserve is for emergencies. It is not possible to find your cell phone, travel or get a promotion. Use it in cases like this:
Se usar, o próximo passo é Recompose the bottom as quickly as possible.
Every day, at most of the counters you can schedule transfers. Configure for the day following your salary payment. Assim, o dinheiro sa antes mesmo de dar vontade de gastar.
Never think that watching R$ 20 or R$ 50 is not worth it. In time, they value a reserve that gives security and peace of mind. The most important thing is to come - and keep your habit.
