Café da manhã em casa, fim do bombom após o almoço e R$ 1 por dia fazem diferença…
Muitas vezes, ou quase sempre, o salário não chega ao fim do mês. E é sempre aquela dúvida: ‘Mas como o dinheiro foi acabar assim?’
Claro que o leitor sempre vai lembrar das ‘grandes despesas’ que comem seu salário – principalmente nesta época do ano: impostos (IPTU, IPVA), matrículas, mensalidades, materiais escolares mais caros e as faturas do cartão de crédito com os gastos das festas do fim do ano anterior.
Mal sabe ele, no entanto, que, como diz o ditado, o diabo está nos detalhes…
O cafezinho de toda manhã na padaria parece baratinho, mas é um gasto diário. Aquele iogurte a mais na compra do mês, a revista de fofoca que você pega na gôndola quando já está chegando no caixa, uma roupa que você nem precisava, mas compra porque está em promoção. Tudo isso, junto, pode consumir uma boa fatia dos ganhos. E o pior é que os pequenos gastos passam desapercebidos, pois as grandes despesas são mais fáceis de ser assimiladas.
Em toda compra não planejada, ou naquele gasto habitual sobre o qual não pensamos muito, há uma luta interna do consumidor: ele se esforça para encontrar um jeito de se permitir (quase se perdoar por) aquela comprinha fora de hora, porque a vontade de consumir é mais forte que a de poupar.
O resultado, no entanto, é bem conhecido: terminar o mês no cheque especial (com juro de mais de 7% ao mês), se ver apertado para fechar as contas, deixar de ir àquele happy hour com os amigos…
Se colocar na ponta do lápis, é até fácil ver que no nosso dia a dia há alguns exageros simples de cortar.
Fonte: R7
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