Frequently Asked Questions
Direct answers to the most common questions about personal finance, with a complete read for those who want to understand the details.
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.
Read full answerIs it worth paying the credit card bill with a personal loan?
Almost always yes. Revolving: 350-450% p.a. Loan: 60-200% p.a. The migration pays off in 1-3 months in most cases.
Read full answerHow to know if I am spending more than I earn?
Three signs are enough: balance dropping month by month, card usage above income, or revolving/overdraft in the last 3 months.
Read full answerWhat is the difference between investing and saving?
Saving is setting aside with security and liquidity (protection). Investing is allocating with risk and term (building). Always in that order.
Read full answerWhen to cut a subscription?
Cut if you haven’t used it for 30 days, forgot you had it, or have an equivalent free version. Keep if you use it every week or it saves another cost.
Read full answerHow to know if I am losing money every month?
Compare the last 3 months. Balance dropping, bill rising, and reserve used for common expenses indicate monthly loss.
Read full answerWhat 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.
Read full answerHow to control small expenses?
Use a weekly cap and review repetitions in the statement. The risk is not one coffee; it is the summed invisible habit.
Read full answerIs it worth using a financial control app?
Worth it if it reduces work and increases clarity. Not worth it if it becomes another task to maintain.
Read full answerHow to stop depending on the spreadsheet?
Automate statement and bill, review categories, and leave the spreadsheet for specific simulations.
Read full answerHow to divide salary between bills, expenses, and reserve?
Use 50-60% fixed, 20-35% variable, and 5-20% reserve, adjusting if there is expensive debt.
Read full answerHow to get out of credit card revolving?
Stop using the card, compare CET, migrate to cheaper credit, and adjust future bill.
Read full answerWhat to do when the bill is high?
Avoid revolving, compare CET if you need to split, and review the bill by category before next month.
Read full answerHow to organize finances with low income?
Protect the basics, tackle expensive debt, and create a small minimum reserve before big goals.
Read full answerHow to control money with variable income?
Use a conservative floor, larger reserve, and do not turn good months into permanent fixed costs.
Read full answerHow to know if a subscription is worth it?
Use frequency, cost replacement, and 60-day test to decide whether to keep or cancel.
Read full answerHow much should I spend on rent?
Try to keep rent and condominium up to 30% of net income; above 35% requires compensations.
Read full answerHow to create an emergency reserve from scratch?
Start with R$ 1,000 or 1 month of fixed costs, then move on to 3 to 6 months.
Read full answerWhat to do before taking a loan?
Compare CET, validate the installment, and correct the cause of the debt before taking credit.
Read full answerHow to handle installment purchases?
Add up future installments and limit new purchases if they exceed 15% of net income.
Read full answerHow to reduce expenses on the card?
Reduce limit, control future installments, and stop using the card for expenses that do not fit in the month.
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