Organization is important in all areas of life, especially finance. Getting financially organized means using your money consciously, knowing how and where it is being used. And having that control implies a healthier personal economy. Therefore, you must learn how to organize your financial life.
How organization helps in your financial life
Do you want to understand how the organization affects your financial health and learn how to use this skill to your advantage? Read next!
Why organize financial life?
Organization is essential for good financial health. This is the first step towards achieving any goal in life, be it going to the cinema or doing a cultural exchange. Even the simplest things need planning so that you can make the most of the experience without compromising your pocket.
Organizing finances results in a well-controlled financial life and this is essential to see your assets grow, achieve your goals and prepare for any adversity. The organization allows a broader view of the whole and makes you see the difference between the essential and the superfluous.
6 tips on how to organize your financial life
Now you know how organization affects your bank account. Therefore, if you want to go further and learn how to change your financial life, see below the list we have separated with 6 tips to help those who want to control their finances and do not know where to start.
1. Educate yourself financially
Financial education is not something many Pakis have access to. Yeah, it’s not common for the subject to be addressed in schools and the impression that most people have is that it’s something complicated or very boring. But, learning to deal with money is essential to live life calmly and achieve goals faster.
2. Make a spending sheet
Knowing how much you earn and where that money goes is a very important step in organizing yourself financially. The good news is that this control is not something complicated to do. You just need to be disciplined and commit to recording all your budget outflows, even the most inexpressive ones.
You can do this through a simple spreadsheet in Excel or through Google Sheets. Just put your earnings in one column and your expenses in the other. The secret is to record and detail all outputs well, so that you understand where your money is going and, if applicable, identify unnecessary expenses.
3. Define your goals
Every successful organization is goal-oriented. So make a list of all your goals and set deadlines for achieving them. For example, if you want to do an exchange in 3 years, do a survey of how much it will cost you. Define by what date you need to have this money and calculate how much you will need to set aside per month to be able to collect this amount by the fixed day.
Thus, you will be organizing yourself towards something big, a dream. And that’s more than enough to boost your motivation. After all, when you have where to look it’s much easier to continue in the right direction.
4. Learn to save
Getting financially organized doesn’t mean giving up everything and working just to save money. But, for your situation to improve, you need to learn to separate superfluous expenses from essential ones. Because sometimes we get carried away by the moment and end up buying unnecessary things. This may have already happened to you…
Buying on impulse is never a good thing. Therefore, avoid spontaneity as much as possible in this regard. Make shopping lists before going to the supermarket and write down every month the essential things you need to buy. This should already radically change the way you spend your money.
5. Find an app to organize your financial life
Applications are excellent allies for organizing processes . They help control expenses in real time, in addition to making daily organization more practical. There are several options in terms of the app to organize your financial life.
That’s why we’ve listed some of them below, so you can choose the perfect app to catch up on your finances.
- Organizze: it’s simple and functional. With the app you can control your checking account, savings and even your investments. The free version is already excellent, but there is also a paid one that costs R$ 11.99 per month and R$ 79.99 per year;
- Guiabolso: allows you to record your expenses and visualize how you are using your money using graphs. With it, it is also possible to monitor the situation of your CPF, in addition to creating goals and planning financially;
- Mobills: it is possible to separate expenses by category and set goals for each one. The app even sends alerts and tips for saving, in addition to enabling the monitoring of financial goals;
- Minhas Economies: is excellent for those who want to organize themselves financially. Because, in addition to being able to categorize expenses and analyze them through reports, the app also allows you to set goals and create plans to achieve them.
6. Plan your routine
When you plan your routine, you avoid unforeseen events from compromising your bank account. For example, if you separate a day to prepare lunchboxes for the week, you won’t run the risk of having to spend it eating out. It is also important to organize trips and outings in general, because making itineraries avoids unnecessary expenses.