Financial Education
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Take control of your financial life
Plan, organise, save, and spend smarter with us.
Principles of financial organisation
How about learning a little more about this topic with us?
Financial education is not just about courses and theoretical approaches. It's about living every day with a focus on achieving your dreams. After all, the better we understand earnings, expenses, investments, and ways to save, the more we move forward towards our goals.
Principles of financial organisation
How about learning a little more about this topic with us?
Financial education is not just about courses and theoretical approaches. It's about living every day with a focus on achieving your dreams. After all, the better we understand earnings, expenses, investments, and ways to save, the more we move forward towards our goals.
01
About Earnings and Spending
Do you know how much you spend per month? Who finishes first: the month or your money? Understanding your earnings and expenses is the single most important step towards achieving better financial organisation. A good idea is to create a spreadsheet that contains information about salary, fixed expenses, credit cards, etc.
Did you like the idea? Download a personal budget spreadsheet template provided by Beeteller here.
01
About Earnings and Spending
Do you know how much you spend per month? Who finishes first: the month or your money? Understanding your earnings and expenses is the single most important step towards achieving better financial organisation. A good idea is to create a spreadsheet that contains information about salary, fixed expenses, credit cards, etc.
Did you like the idea? Download a personal budget spreadsheet template provided by Beeteller here.
01
About Earnings and Spending
Do you know how much you spend per month? Who finishes first: the month or your money? Understanding your earnings and expenses is the single most important step towards achieving better financial organisation. A good idea is to create a spreadsheet that contains information about salary, fixed expenses, credit cards, etc.
Did you like the idea? Download a personal budget spreadsheet template provided by Beeteller here.
02
Plan Your Goals
Everyone has a dream, Start by planning and organizing your goals into short, medium, and long-term categories. Don't waste time - seize your goals! Write them down and outline the path to success.
02
Plan Your Goals
Everyone has a dream, Start by planning and organizing your goals into short, medium, and long-term categories. Don't waste time - seize your goals! Write them down and outline the path to success.
02
Plan Your Goals
Everyone has a dream, Start by planning and organizing your goals into short, medium, and long-term categories. Don't waste time - seize your goals! Write them down and outline the path to success.
03
Emergency Reserves
Emergencies happen. Be prepared! Financial preparedness can make a world of difference when unexpected situations arise. Numerous studies by experts highlight the importance of having 6 months' worth of living expenses readily available. But if this is not possible, seek to have a financial reserve according to your means, after all, this money can be very important to weather unexpected financial storms.
03
Emergency Reserves
Emergencies happen. Be prepared! Financial preparedness can make a world of difference when unexpected situations arise. Numerous studies by experts highlight the importance of having 6 months' worth of living expenses readily available. But if this is not possible, seek to have a financial reserve according to your means, after all, this money can be very important to weather unexpected financial storms.
03
Emergency Reserves
Emergencies happen. Be prepared! Financial preparedness can make a world of difference when unexpected situations arise. Numerous studies by experts highlight the importance of having 6 months' worth of living expenses readily available. But if this is not possible, seek to have a financial reserve according to your means, after all, this money can be very important to weather unexpected financial storms.
04
Don't Delay Your Bills
Staying on top of your bills and financial obligations is always the best option. This not only gives you peace of mind but also opens up better financial and investment opportunities. Therefore, strive to always be up-to-date with your bills and avoid financial costs and interest charges.
04
Don't Delay Your Bills
Staying on top of your bills and financial obligations is always the best option. This not only gives you peace of mind but also opens up better financial and investment opportunities. Therefore, strive to always be up-to-date with your bills and avoid financial costs and interest charges.
04
Don't Delay Your Bills
Staying on top of your bills and financial obligations is always the best option. This not only gives you peace of mind but also opens up better financial and investment opportunities. Therefore, strive to always be up-to-date with your bills and avoid financial costs and interest charges.
05
Renegotiate Debts
Do you have any debts? Start by listing all of them, from simple family loans to credit card expenses and others. Remember to write down the total amount of the debt, including its interest. With this information and your budget control spreadsheet, assess your payment capabilities. Then, contact the institutions and companies where your debts are held and negotiate your payments according to your budget.
05
Renegotiate Debts
Do you have any debts? Start by listing all of them, from simple family loans to credit card expenses and others. Remember to write down the total amount of the debt, including its interest. With this information and your budget control spreadsheet, assess your payment capabilities. Then, contact the institutions and companies where your debts are held and negotiate your payments according to your budget.
05
Renegotiate Debts
Do you have any debts? Start by listing all of them, from simple family loans to credit card expenses and others. Remember to write down the total amount of the debt, including its interest. With this information and your budget control spreadsheet, assess your payment capabilities. Then, contact the institutions and companies where your debts are held and negotiate your payments according to your budget.
Credit Card
For some, essential. For many, the start of a nightmare.
Credit Card
For some, essential. For many, the start of a nightmare.
In general, it's best to make commitments and payments in cash whenever possible. With the ease and convenience of Pix, this has become even simpler. However, for those who wish to use a credit card, the advice is to always use it wisely.
In general, it's best to make commitments and payments in cash whenever possible. With the ease and convenience of Pix, this has become even simpler. However, for those who wish to use a credit card, the advice is to always use it wisely.
Good habits
How to better use your credit card?
Good habits
How to better use your credit card?
Establish limits
With the help of your expense tracking spreadsheet, understand your spending habits to determine your limits and responsible credit card use. Remember, the credit card limit isn't the same as your spending power. Installment purchases can add up quickly, leading to unexpected debt.
Pay the full balance
Avoid late and partial payments as much as possible. They can push you into revolving credit, which comes with sky-high interest rates. These charges can quickly snowball into a major debt burden.
Monday to Friday from 8am to 12pm and from 1pm to 6pm, Brasília time (GMT-3), except holidays.
Solutions
Corporation
Monday to Friday from 8am to 12pm and from 1pm to 6pm, Brasília time (GMT-3), except holidays.
Solutions
Corporation
Monday to Friday from 8am to 12pm and from 1pm to 6pm, Brasília time (GMT-3), except holidays.