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Learn how to organize the couple's finances to buy a house
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Buying a property is the goal of many couples who live for rent . However, organizing the couple's finances requires determination, financial planning and a lot of focus, avoiding the accumulation of unnecessary debt.
In order to realize this common dream among most Brazilians, the budget must be reduced, avoiding a series of expenses and making some sacrifices. But believe me: if there is firmness and persistence, that goal is entirely possible to achieve - and when the effort is joint it becomes even easier.
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Here, we will give some important tips for couples who want to organize and save for this common purpose without too many difficulties. Follow us!
Make a plan
Buying your own home is the biggest investment to have a more peaceful life. However, this decision requires planning of both so that nothing goes out of control. Concessions must be made and, for everything to work, the two must make some considerations. Check out what they are:
- evaluate the amount that can be saved per month;
- make projections of the values and, if possible, always try to save more than planned;
- create a spreadsheet by which you can record your monthly expenses and income and thus gain greater control over everything.
Following these suggestions, it becomes more feasible to forecast the couple's finances and the time it will take to obtain the value for the initial investment.
Organize the budget with each other
Marriage is a partnership, so it is essential that planning is done together and by mutual agreement. Both should be aware that some sacrifices must be made for a greater purpose.
However, be aware that economic problems can hinder and interfere with the couple's coexistence. Therefore, planning must be done in a clear and honest way, so that everything happens in full harmony.
The tip is to seek a balance so that financial difficulties do not make family life too difficult - even if it is necessary to wait a little longer.
Set priorities
Setting priorities is essential for the couple who aim to buy a property . This is how you can save. The ideal is to put all expenses on paper and define what can be dispensed with.
A good example is to forgo any program that the couple does every week and limit it to once a month - for example, going to restaurants. These are small expenses, which are generally not given importance, which can generate large expenses - just add up. In fact, there is no need to cut all leisure, but some sacrifices need to be made.
Carefully evaluate how much the couple spends on leisure and some services that may have their value diminished. Examples of this are internet, cable TV, telephone plans, water, energy, among other accounts. Try to reduce them to the maximum.
Collect revenue and save together
It may even seem strange to some couples, since many have become accustomed to controlling their own wages. Satisfying the other of everything you intend to acquire may generate some awkwardness at first, but the strategy of combining the revenues is very successful.
So, think about it, since it is an alternative that avoids unnecessary expenses. A good tip is to open a savings account so that, at the end of each month, you can deposit as much as you can save.
Get rid of your credit card
We cannot deny that the credit card is very useful in certain situations. Except that most couples end up in debt with him, and the worst: each spouse ends up having more than one card, and the expenses become a snowball.
When we propose to collect money for a certain purpose, we must forget about the credit card or avoid using it as much as possible. The tip is to reduce their use and, preferably, zero most of them. Then cancel them and keep just one for the couple's use in financial emergencies. That way, you will see that impulse purchases will greatly decrease.
Learn to invest
Investing your money, instead of leaving it stuck in savings, for example, can be a good idea. Learn to invest - this is not done overnight, it requires some knowledge of the market and economics. Therefore, try to study the financial world and the most advantageous applications at the moment, as there are variations in the market. But beware: look for low-risk ones!
Research financing options
Whoever intends to enter into a mortgage should research the options that exist in the market. Depending on the initial amount that the couple intends to invest, it is possible to choose some alternatives, such as the Minha Casa Minha Vida Program, SFH (Housing Finance System), SFI (Real Estate Finance System), as well as directly with a construction company.
It is possible to run financing simulations on the banks and financial sites. This is very useful to have a sense of how the financing would be, if they were to buy the property with a certain entry value.
However, the couple should not forget that there are fees and insurance that will be included in the installment amount. If this is not informed, do not forget to request, as it can make a big difference in the total amount.
Use the FGTS
Don't forget to count on FGTS . If you and your spouse work under the CLT regime and already have, at least, three years of contribution to the FGTS, you can redeem the accumulated amount for the acquisition of your own home. In fact, this is one of the situations in which withdrawal is permitted. This contribution time need not be for the same company. However, it is necessary for you to be the holder or co-obligor in the financing you are interested in.
As you can see, organizing the couple's finances and saving may require a series of sacrifices and changes, right? However, one must keep in mind that the result is the realization of a dream. Follow our tips and you will see that this goal can be achieved faster than you think!