What is the Emergency Reserve?

An emergency reserve is basically an amount saved for unexpected situations, such as unemployment, medical emergencies or urgent consultations. The idea is to have a fund that allows you to face these challenges without dividing or compromising your monthly plan.

How much do we need to save?

If you are a salaried employee, you are recommended to have at least three months of saved expenses. Isso offers a solid foundation for lidar with crises. For entrepreneurs, the situation is a little more challenging: the ideal is equivalent to a year of despesas, guaranteeing that your business will not suffer with unforeseen events.

Step by Step to Build Your Reserve Calculate your Expenses: Make a detailed list of everything you spend monthly. Separate the fixed items (aluguel, contas) from the varied ones (lazer, shopping). This will help you visualize how much you need to save.

Establish a Monthly Value: Define how much you can allocate to your reserve at all. Even though it starts with a small value, consistency is important.

Choose a Right Account: Save this money in a separate account. Prefer an account that is easy to access, but not tempting to use for other things.

The Importance of Sharing Many people do not take the first step in building their emergency reserve. It is essential to talk about this with friends and family. Sharing information and experiences can encourage other people to also seek financial security. In the end, a little knowledge can be the first step to a more peaceful life.

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Building an emergency reserve may seem challenging, but with planning and determination, you need it! Let's go together on that day? Financial security is the first step to living with more tranquility and freedom.