Investing is simpler than you think.
You don't need to make much money, but discipline and goodwill.
And as there are still some women who think that investment is a chat "this is not for me," we have gathered some tips for you not to be left out and start investing now!
- Map your finances
List all your spending frankly and truthfully - this is not the time to camouflage anything.
To start, the exits: how much goes on renting or financing the place where you live, water, electricity, telephone, internet, TV, streaming services, night and weekend departures, fuel for the car or transportation costs, credit cards, supermarket, miscellaneous bills.
Then compare that total to the net amount - that is, taxes already discounted, etc. - that you earn per month.
A little left? Great, it will be easier to put the next tips into practice. Is the amount spent greater than the gain? Then you will need to dedicate yourself a little better for future money.
2 - Define objectives
When you know how you are going to spend the money that will be investing, the rest of the process will be more straightforward. Whether saving to enter your own home, or making that dream trip, keeping in mind the goal you want to achieve will help you stay focused on the target.
If you don't have defined goals yet, don't wait for them to emerge before you start investing. Always have at least two types of reserves: one for emergency/opportunities and one for long term.
Goals are also essential to help you choose which investment makes the most sense for you. Thus, you will be able to buy bonds with maturity according to the date on which you intend to withdraw the money.
- Emergency and opportunity reserve
Here, you will learn to save to be financially prepared for any moment in life. It is with this money, for example, that you will be able to take advantage of the sudden discount on a course that you really want to do, buy a ticket on sale for the next vacation, or even become unemployed.
Remember, this reserve of money will help you go through good and bad times. With this money available, you don't have to worry about borrowing money from someone or the bank, and you will not at risk of falling in interest and, in the end, paying more than you should.
To maintain this reserve, keep a portion of your salary each week/month thinking about these emergencies. Ideally, over time you will have enough to maintain your standard of living today for a period of between six months and a year. You will achieve it little by little.
4 - Don't wait to spare to save money
I know it's hard not to be tempted to pay all bills first and then think about investing. But this is not ideal because it is common to find new ways to spend money and leave the beginning of investments for the next month. And we don't want that anymore.
Therefore, make it a habit to transfer the investment amount as soon as the money falls into your bank account, just as you do with essential bills such as electricity, water, and internet. You must understand that investing is just as important as any other payment.
Now you have the services cut, installments of debts being paid, and the value of the investment saved per month? Perfect! In this first moment, when you are taking your foot off the mud, you can keep your money in savings - we will leave it to think about different ways to invest a little later.