5 dicas de como conseguir guardar e multiplicar seu dinheiro
Atualmente no Brasil, a maior dificuldade dos brasileiros é de como conseguir guardar e multiplicar seu dinheiro, não é verdade?
Mas porque será que as coisas são desse jeito?
Seria por causa da inflação? Por causa da economia que só acaba com nossas finanças?
Vou te dizer que não necessariamente e sei que você pode até não estar concordando comigo neste momento.
Mas vamos falar um pouquinho sobre isto e você vai me compreender e quem sabe vai acabar concordando comigo.
O “X” da questão está em que, para multiplicar seu dinheiro, só existe uma maneira: INVESTINDO.
Sei que você deve estar se perguntando: “Que dinheiro, meu Deus? Não sobra nada no fim do mês e ele falando em investir. Deve tá passado das idéias.”
Tudo bem, vou ter que ser um pouco firme agora, mas vou ter que dizer o que está acontecendo:
“Você não investe por culpa sua mesmo, não sabe “guardar” dinheiro. Pronto, falei!”
Desculpe ter te falado assim, mas realmente o problema não tem nada a ver com a economia e sim como lidamos com nosso dinheiro.
Mas não fique triste, vou te passar 5 ótimas dicas de como você pode mudar esta realidade.
1. Controle de gastos: anote tudo que gasta
Para começarmos a mudar esta realidade e você passar a ser um investidor (acredite, é possível sim!), a primeira coisa é controlar os seus gastos.
Primeiro crie o hábito de pedir notas de tudo, onde usou dinheiro (ou cartão, que também é dinheiro).
Você deve pedir nota ou pelo menos um recibo para se lembrar no que foi feita aquela despesa.
Depois crie ou adquira uma “Planilha de Controle Financeiro” onde você vai registrar estes gastos, mas não deixe de anotar nada na planilha, NADA mesmo.
No final do mês, pare para analisar todas as despesas que você teve (claro que marcou todas, né?).
Mas analise de forma consciente e fria, ou seja, não se deixe levar por motivos emocionais.
Você vai perceber que muitas coisas que comprou são coisas supérfluas e deixou de economizar um bom dinheiro com elas.
Elimine os gastos supérfluos (você não precisa deles) e só aí já vai te sobrar um bom dinheiro, mas não pare por aí…
Coisas que são consideradas de necessidade nem sempre são. Imagine você sem estas “coisas essenciais”, será que realmente faria falta?
Com uma análise profunda, sistemática e com frequência, você vai perceber que muito dinheiro foi “jogado fora” ao longo de sua vida.
A partir daí vai começar a “sobrar” no fim do mês. É onde você vai passar a a ser investidor e ver multiplicar seu dinheiro.
2. Planeje separar 10% para emergência e investimentos
Agora que você já tem sua Planilha de Controle Financeiro sendo analisada mês a mês, vamos falar um pouco sobre planejamento.
Planejar é a forma mais fácil e rápida para você conseguir alcançar seus objetivos, pois consegue colocar as metas no papel e traçar uma rota para alcancá-la.
E para começar a ser um investidor você precisa se planejar para isto.
Comece então fazendo um planejamento financeiro, preparando seu orçamento para os próximos meses e anos.
Mas a primeira coisa que você tem que saber é que precisa primeiro separar as “sobras”, ao contrário do que estava fazendo até agora.
Então, primeiramente, separe (no mínimo) 10% para investimento logo no início de seu planejamento.
Claro que o mais importante é ter em mente que esta primeira reserva seria para uma reserva de emergência.
Com o tempo você vai aumentado este valor a investir e aí começa a ficar bem claro o quanto fica só para emergências e o que fica efetivamente investido (aquele valor que não dever ser tirado).
3. Livre-se das Dívidas (e não faça mais)
Depois que você passou a não mais ter as despesas supérfluas, ainda vai existir as tão famosas Dívidas.
Não necessariamente as dívidas são coisas supérfluas, mas elas são resultado da falta de planejamento mesmo.
Sabe aquela Smart Tv de 72 polegadas que você comprou em 24 vezes porque estava com desconto?
Diz pra mim: é necessidade ou supérfluo?
Difícil tirar uma conclusão, não é mesmo? Afinal ter Tv em casa hoje em dia não é nada supérfluo, você diria…
Mas posso te afirmar que pode ser supérfluo sim. Você realmente tinha necessidade de comprar uma TV agora? Se tinha, não poderia ser um menor?
E em 24 vezes?
Talvez o exemplo da Tv de 72 polegadas não seja para você, mas a ideia é a mesma quando se trata de dívidas.
A pessoa poderia ter comprado uma Tv menor e ainda se programado para esta compra.
Muitas vezes adquirimos dívidas somente por falta de planejamento, sendo que em muitos casos poderia ter sido guardado um valor mês a mês para adquirir o produto, e à vista.
4. Livre-se ao máximo de tarifas e taxas
Muitas vezes temos algumas atitudes tão naturais que nem paramos para pensar sobre elas.
Umas das coisas que realizamos o tempo todo e muitas vezes achamos normal é o pagamento de taxas e tarifas de quase tudo.
E ainda justificamos: “o Governo é muito tributarista, não conseguimos fugir disto.”
Mas, na verdade, muitas taxas e tarifas podem ser evitadas e vou falar de uma em especial: taxa bancária.
Hoje existem muitos bancos digitais que não possuem tantas taxas como os bancos tradicionais.
E para a maioria da população são amplamente eficazes porque não cobram taxa nenhuma para movimentações financeiras básicas.
A maior parte dos brasileiros só usam as contas para receber o salário e dali mesmo pagar as contas com o cartão.
Só a mudança da conta tradicional para uma conta digital já seria o suficiente para fugir de muitas taxas que pagamos automaticamente.
As multas de trânsito também são “taxas” que podem ser evitadas ao máximo.
Mudanças simples como esta já ajudaria em muito para conseguir investir e multiplicar seu dinheiro.
5. Aprenda a investir corretamente
Pronto, depois de todas estas dicas valiosas, agora vem a grande sacada para você realmente ver seu dinheiro crescendo.
O pulo do gato: INVESTIR de forma correta.
Quando você começar a juntar dinheiro, deverá ter aberto uma conta Poupança, claro para render não dever ficar parado na conta corrente.
Mas uma coisa é certa: a Poupança não é a melhor forma de investimento (aliás, costumo dizer que nem investimento é).
Agora você vai ter que aprender melhor sobre como investir de forma correta, não é mesmo?
“É, mas como vou saber a forma correta?”
É isto que estou dizendo…
Existem no mercado inúmeras formas de investimento, desde para quem tem pouco dinheiro até para quem tem um bom valor para investir.
Cada tipo de investimento tem suas particularidades e para multiplicar seu dinheiro com qualidade precisa conhecer os melhores para sua realidade.
Sei que para quem não tem o hábito de investir é meio complicado no começo, mas aqui no site estamos sempre postando sobre modalidades de investimento.
Por isto é tão importante estar nos acompanhando e divulgando nosso material para seus amigos.
Concluindo…
Entendeu agora como e o que você pode fazer para conseguir guardar dinheiro, ser um investidor e ver multiplicar seu dinheiro?
Como eu disse mais acima: é possível sim.
Mas você precisa reeducar sua mente (mindset), fazer o equilíbrio financeiro e começar a investir de forma correta e consistente.
Espero que ao chegarmos ao final deste conteúdo você possa ter mudado de opinião e agora estar concordando comigo.
Então nunca se esqueça: a culpa de não conseguirmos lidar corretamente com nosso dinheiro é nossa mesmo.
Agradeço por nos acompanhar até aqui e aproveito para te indicar um conteúdo excelente para você aprender mais sobre investimento logo abaixo.
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