Pergunta · Planning
How to divide salary between bills, expenses, and reserve?
The division of salary needs to start from the net and the reality of fixed costs. A pretty rule doesn’t pay the bill.
Base model
| Part of salary | Realistic range |
|---|---|
| Fixed bills | 50% to 60% |
| Variable expenses | 20% to 35% |
| Reserve and goals | 5% to 20% |
Example with R$ 5,000 net
| Use | Value |
|---|---|
| Fixed bills | R$ 2,800 |
| Variable expenses | R$ 1,500 |
| Reserve | R$ 500 |
| Margin | R$ 200 |
If there is debt in the revolving or overdraft, the priority changes: the reserve can start small, and the focus becomes reducing interest.
Perguntas relacionadas
How much should I save from my salary every month?
Start with 10% if you are beginning, 15-20% if you already have some reserve. Monthly consistency is more valuable than the perfect percentage.
What is the first step to organize financial life?
Start with the diagnosis of the real month: inflows, outflows, fixed costs, bill, and categories that weighed the most.