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9 Formas de como sobrar mais dinheiro no final do mês

9 Formas de como sobrar mais dinheiro no final do mês

A falta de dinheiro do brasileiro nunca não foi tão grande, por isto estou trazendo pra você 9 formas de como sobrar mais dinheiro no final do mês.

As pessoas tem reclamado que nunca tem dinheiro e que está faltando até para dar conta do básico.

Você mesmo pode estar se perguntando como eu faço para que o meu salário dure o mês todo.

Em outro artigo já postei 5 formas de ter mais dinheiro no fim do mês e agora acrescento mais estas 9 dicas.

Experimente usar todas estas dicas juntas que você vai perceber que está gastando muito dinheiro de forma irresponsável.

E não é porque a pessoa ganha pouco que existe a falta de dinheiro, mesmo profissionais que ganham um bom salário também sofrem deste mal.

Ou seja: a questão não é ganhar pouco ou muito, mas saber como gastar com sabedoria os ganhos.

E com pouca coisa, pequenas atitudes, já é possível ver o resultado: mais dinheiro no seu bolso.

1. Pare de Fumar

parar-de-fumar

Não sei se você é fumante ou não, mas vou ter que falar o que eu penso a respeito disto: o que leva uma pessoa a queimar dinheiro assim?

Com todo respeito amigo, mas é isto que penso e é assim que você também deveria pensar.

Tenho certeza que você sabe que o tabaco é altamente prejudicial à saúde e, além disto contribui muito para o “furo” no seu bolso.

Vamos fazer um cálculo rápido aqui só para você ter uma ideia de quanto dinheiro está jogando fora com o cigarro:

Se a pessoa fuma 2 maços de cigarro por dia ao custo de R$ 7,00 cada acaba gastando no fim do mês R$ 420,00. Isto é um absurdo!

No ano terá gasto com o maldito vício o valor de R$ 5.040,00 e ao final de 10 anos R$ 50.400,00. Em 20 anos terá gasto mais de R$ 100.000,00.

É muito dinheiro gente! Imagine este valor investido de forma inteligente e diversificada (daria pra se aposentar milionário).

Isto considerando um valor de apenas R$ 7,00 somente para termos uma ideia, porque em São Paulo o cigarro nacional hoje está sendo vendido a R$ 10,00 o maço.

De cara esta primeira dica já vai fazer sobrar quase R$ 500,00 no bolso da pessoa, ou seja, meio salário mínimo.

2. Corte as bebidas alcoólicas

parar-de-beber

As bebidas alcoólicas, juntamente com o cigarro, também tem contribuído muito para a falência da população brasileira.

Isto porque o consumo do álcool é patrocinado por uma Indústria forte no cenário e que investe milhões em publicidade todo dia.

O apelo ao consumo é tão grande que criou-se a cultura de que quem não bebe está fora da realidade ou é considerado “careta”.

O consumo de bebida alcoólica é tão ou mais prejudicial do que o cigarro, não só à saúde do indivíduo, mas atinge toda a população.

Porque as pessoas que possui este tipo de vício acaba envolvendo negativamente a família, causando dissenções, violência e casamentos desfeitos.

Mesmo quem acha que faz um consumo mais controlado do álcool, se parar para fazer os cálculos, vai perceber que tem exagerado demais.

O tal “beber socialmente” acaba por mascarar ao indivíduo o problema, que é a falta de dinheiro, de forma sutil.

E desta forma não tem como sobrar mais dinheiro no final do mês porque a pessoa se justifica dizendo que é direito dela, que trabalha o mês todo, etc.

Portanto, considere diminuir o consumo do álcool e, se for possível acabe de vez com o “habito” de consumi-lo para o seu bem e do seu bolso.

3. Experimente marcas genéricas

utilizar-marcas-genericas

Vivemos em um país capitalista e o pior de tudo: consumista, “mas só de produtos de marca, por favor”.

Infelizmente o apelo para uso dos produtos mais caros do mercado é muito grande, visto que as grandes marcas detêm todo poder do marketing.

Aliado a isto está a condição que o consumidor brasileiro assumiu de comprar sem necessidade e por impulso.

Os consumidores tem muita dificuldade em adquirir produtos de marcas menos conhecidas no mercado, preferindo sempre as mais famosas.

E, como estas marcas utilizam muito as propagandas, acabam sendo mais caras e acabamos pagando mais “pela marca” do que propriamente pelo produto em si.

Com as tecnologias atuais, ao alcance de todos, não existe tanta diferença de qualidade entre os produtos.

Muitos produtos de marcas desconhecidas chegam ao mercado com a mesma, ou até melhor, qualidade das marcas consagradas.

Então, nas suas próximas compras, experimente trocar aquela marca mais famosa por um produto mais barato.

Pode ser que você acabe preferindo usar este produto menos conhecido do que os famosos e ainda seu bolso vai agradecer muito.

Você vai descobrir, aos poucos, a melhor maneira de como sobrar mais dinheiro no final do mês, indo ao supermercado.

4. Se possível, use menos transporte pago

usar-menos-transporte-pago

Quem não gosta da praticidade e conforto em chegar aos locais de táxi ou através do transporte por qualquer outro aplicativo?

Hoje, com a popularização das empresas de transporte individual como a Uber, 99, EasyGo e tantas outras, muitas pessoas têm migrado quando precisam do serviço de transporte.

Principalmente porque o transporte público coletivo no Brasil ainda é muito ruim, resultando em superlotação, veículos velhos, etc.

Realmente, a tecnologia tem trazido muitos benefícios para a sociedade como um todo e a chegada destas empresas tem ajudado.

Então qual o problema com isso?

O problema é que esta “facilidade” em adquirir este serviço tem feito as pessoas ficarem “viciadas” em ir e vir com este tipo de transporte.

É aí que mora o problema, a pessoa pode estar entrando em um processo muito perigoso, pois acaba usando o serviço sem necessidade.

Utiliza este serviço para deslocamento em pequenos trechos e/ou todos os dias, não se programando para fazer várias atividades no mesmo dia.

O pior é que ela faz isto de forma tão automática que não para para fazer as contas dos gastos no fim do mês.

5. Faça seguros com o menor custo-benefício

fazer-seguros-mais-baratos

Muitas vezes quando estamos passando por dificuldades financeiras, a primeira coisa que fazemos é sair cortando tudo o que a gente acha supérfluo.

Parece legal isto, né?

Mas não é bem assim que funciona, pois a pessoa acaba simplesmente tirando as despesas mais altas achando que com isto vai resolver seus problemas financeiros.

E não necessariamente o problema da crise financeira que ela passa está nas contas de maior vulto.

Muitas pessoas acabam até riscando despesas que são muito importantes como um seguro de carro, por exemplo.

Tudo é questão de avaliação.

Se a situação financeira realmente estiver muito ruim, pode ser que seja válido estar retirando algumas despesas como esta, mas desde que seja provisoriamente.

O mais indicado é que se faça um seguro do veículo mais enxuto e somente para aqueles riscos que são mais propensos a acontecer.

Como exemplo, um seguro de carro que cubra até terremoto deve ser desconsiderado, porque qual a probabilidade de isto acontecer aqui no Brasil?

Tudo é questão de pesquisar, pechinchar e encontrar o melhor custo-benefício para sua realidade e situação.

6. Tenha um carro econômico

carro-economico

Ter um carro econômico no Brasil até soa que meio vergonhoso, principalmente para os mais jovens. kkkk (já passei desta fase).

Na verdade isto é mais questão de “status” do que propriamente necessidade.

Tenho muitos amigos que afirmam que “jamais compraria um carro motor milzinho, eu gosto é de motorzão.”

Preferem comprar um carro mais antigo, bem mais usado do que comprar um carro mais novo com menor potência.

Com isso eles não conseguem perceber o quanto estão fazendo um péssimo negócio e tudo em nome de parecer mais “poderoso”.

Porque um veículo mais usado com certeza vai ter mais manutenção, além disto gastam mais combustível do que os mais novos.

Claro que a manutenção preventiva e periódica pode melhorar este quesito, mas geralmente quem pensa desta forma vai economizar muito na hora da manutenção.

E os problemas vão se acumulando cada vez mais, até chegar o momento em que a pessoa não aguenta mais deixar o carro na oficina, se desfaz do problema e arruma outro.

Se você chegar nesta situação de escolher entre o mais velho potente e o mais novo “milzinho”, prefira a segunda opção.

Certamente você não vai precisar de ninguém te dizendo como fazer para sobrar mais dinheiro no final do mês com esta estratégia.

7. Desligue o ar condicionado

desligar-o-ar-condicionado

“Desligar o que? O ar condicionado em pleno verão? Tá louco bicho.”

Sei que você já deve estar desesperado pensando que eu estou dizendo para nem ligar o aparelho.

Calma, calma, que não estou dizendo nada disto, tá bom?

Digo para que você pense mais financeiramente até mesmo na hora de ligar o ar condicionado.

Sabe quando você sai de casa e deixa o ar ligado para quado voltar o ambiente estar bem fresquinho?

Estou falando destes tipos de exageros, pois tem gente que liga o ar condicionado para dormir e se cobre com cobertores porque o quarto ficou gelado, sabia?

E quando ela sai de casa correndo para um compromisso e esquece de desligar o equipamento.

Vai ficar gelando a casa para ninguém? Pensa nisto e veja o quanto de dinheiro está sendo desperdiçado (a luz tá cara, minha gente!)

Se for o caso, sempre programe o equipamento para desligar em certo tempo, assim ajuda a economizar bastante.

E ainda acho que você nem vai perceber quando o ar se desligar, só aí você já está deixando de gastar uma boa grana.

8. Economize no corte de cabelo

Olha o rapaz da imagem acima, não ficou legal? Ele economizou dinheiro e cortou só a metade do cabelo. Garoto esperto, gostei dele.

Brincadeira… Só pra descontrair um pouquinho.

Mas também eu falo um pouco sério, porque quando você está tentando “segurar” o dinheiro, você precisa pensar em todas as possibilidades.

Hoje no Brasil está uma “moda” de tudo ser Gourmet.

Salão de beleza gourmet, Salão de Cabeleireiro Retrô Hair Stilist, Padaria Gourmet, Academia Light e outras coisas do gênero.

Legal né?

O problema é que para manter estes serviços extras as empresas cobram mais caro nos serviços (e você acha bonito e paga mais caro).

Nada demais em utilizar estes serviços “diferenciados”, mas aqui estamos falando de COMO SOBRAR MAIS DINHEIRO NO FINAL DO MÊS, lembra?

Então não dá pra admitir estes excessos!

Pelo menos agora, enquanto estiver se reeducando financeiramente, tá bom?

Depois, mais pra frente, somente quando sobrar, pode ir no tal “Gourmet Hair da vida”.

9. Gaste menos por “status”

não-gastar-por-status

“Amiga do Céu, viu aquela calça MA-RA-VI-LHO-SA que a Gisele (Bündchen) está usando? Um arraso, vou correndo comprar”.

E eu aqui pensando: Nossa, vai pagar R$ 500,00 (no mínimo) numa calça toda rasgada, se quiser pego umas aqui meio usadinhas e te dou, kkkkkk.

A verdade é que as pessoas adoram gastar dinheiro com coisas que não vão acrescentar nada na vida delas.

Claro que não estou dizendo que não se deve comprar calças rasgadas, cada um sabe da sua vida.

Mas não se deixe levar pela moda e por aquilo que todas as pessoas estão fazendo.

Não aceite viver numa “tribo fechada”, onde o que um faz todos os outros imitam.

Outra coisa: seu armário tem 152 pares de sapato e porque você acha que precisa de mais uns?

Lembre-se que o dinheiro não aceita desaforo e jogar dinheiro pela janela desta forma, ninguém aguenta, nem mesmo o dinheiro.

A cartada final…

Enfim, chegamos ao final deste artigo (acho que você até enjoou de tanto que falei aqui, fala a verdade. Comenta aí).

Mas o que vimos neste artigo é o que eu comecei fazendo quando estava com problemas financeiros lá atrás.

Aos poucos, você vai ficando “viciado” em pesquisar melhor, cada vez mais vai querer saber como sobrar mais dinheiro no final do mês.

O meu desejo é que você descubra cada vez mais o poder do dinheiro e como utilizá-lo de maneira inteligente.

Já consigo te ver como um investidor, aquela pessoa que tem dinheiro sobrando e colocando-o para trabalhar para você.

O poder da multiplicação do dinheiro é possível na sua vida sim, desde que você faça tudo de forma pensada, organizada.

Agradeço por chegar até o final deste artigo e aproveito pra lhe desejar o maior sucesso financeiro em sua vida.

Se você quiser conhecer um ótimo passo a passo para você fazer seu planejamento de maneira simples, dá uma olhada neste conteúdo abaixo, é só clicar na imagem (Top Invest).

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Sobre o Autor

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