Leaving the rent and going to your own corner is the dream of most people. But many do not know how to save money to buy an apartment. The first tip is: start now. See others.
Thinking about the high value of a property often makes this idea even more distant. However, if you only think that the value is too high and do not start saving, that dream will become increasingly unattainable.
According to a survey by Anapar Finanças Personales e Previdência Brasil, only 13% of Brazilians claim that they save with some regularity, 34% save from time to time and 51% do not save money.
Unless you win a lottery money, without saving it is not possible to own your own house, is it?
Whatever your budget, surely someone you know lives on less. How about giving up some things and taking them as an example?
For that, we have listed some tips for you to know now how to save to buy an apartment and get out of rent once and for all.
7 ways to save money to buy an apartment
Step 1: Set goals
First of all you need to know what your major, long-term goal. How much is the apartment of your dreams? How long do you want to have it?
That done, you start to stipulate short-term goals. See how much you need to save monthly to reach your goal.
Setting goals will help you get motivated and bring you closer to the dream of buying an apartment.
Step 2: Know your budget
Knowing your goals is time to know how much do you earn. Is it possible to take a good part of your budget? How much can you keep and how much do you need to add to get the total needed for the month?
That done, you start to set short-term goals. And see how much you need to save monthly to reach your goal.
The goal is spend less than you earn and save the difference.
Step 2: Count every penny
For those who want to save money, every penny must go into the account. Set a fixed amount for you to take out of your salary per month. But in addition, look for ways to reduce your expenses.
Here are some tips on how to save money to buy an apartment:
– Sell things you don’t need
– Cut costs when doing bank transactions
– Reduce your driving when you can: hitchhike or walk or cycle more
– Reduce simple expenses at home: replace all old lamps with LED lamps and disconnect all electrical devices as soon as you finish using them
Step 3: Save all your money
Have you ever heard that song “money in your hand is a windstorm”? So nowadays money in the current account is gale. If you leave that money you saved on it, the chances of you spending it are immense.
So you can program a automatic transfer of the amount stipulated per month for your savings account or for another account that is only for this purpose, as long as you do not tamper with it.
Do you know that bonus you received at work? Go to that account. Increase? Go to her too. That extra buck that you weren’t counted in your budget won’t be missed, will it?
Step 4: Invest your money
Selic Treasury, fixed income … Do you know where to invest your money? What is the best option for you?
Learning to invest is another tip on how to save money to buy an apartment. In the video below Nathália Arcuri teaches how 5 types of investment work:
Step 5: Change the type of fun
Of course, everyone needs to have fun and do leisure programs. But have you ever stopped to think about how much you spend on it?
Decrease the amount spent for leisure will make you save faster to buy an apartment. If you go out drinking with friends twice a week, go out once.
If you go to the movies very often, cut back and start watching more movies at home. Homemade programs tend to be much cheaper. In addition, they are more intimate and a great opportunity to be closer to the family.
Keep an eye on the leisure services you have at home as well. Another tip on how to save money to buy an apartment is cancel cable and switch to streaming services, like Netflix, which are generally cheaper.
Step 6: Cook at home
The more you can cooking at home instead of eating out, the more you save. Meal planning will not only help you to have more homemade meals with more quality, but it will also help you to organize yourself in the supermarket.
Besides that, reduce trips to the supermarket it will also help you save money, as it will limit the random purchases you tend to make in the aisle when you don’t know exactly what you want to buy.
Step 7: Save on purchases
Want more tips on how to save money to buy an apartment? Save on home purchases.
Have you ever thought about use free product samples?
Big Tester is a great opportunity for that. Through this website you can win various items with cleaning products and even chocolates. The step by step to sign up is simple:
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- accumulate points and exchange for the products of your choice.
The more you answer, the more points you accumulate and the more products you can redeem. The site does not make sweepstakes!
Brands and products include Kinder, Kopenhagen, Nutella, McDonald’s and more.
Start having fun and exchanging your points.
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