With small adjustments, you can save a lot of money without compromising your well-being.
The year is starting and for many people, saving money is one of the big goals for 2025.
With that in mind, we’ve put together practical and simple tips to help you get your finances in order.
In this text, we will show you how it is possible to save up to R$500 without having to make big sacrifices.
6 simple habits that can save you up to R$500 per month
1. Organize your expenses
Firstly, to save, it is essential to understand where your money is going.
Therefore, the first step is to organize your expenses.
Write down all your expenses, whether in a finance app or in a spreadsheet on your computer.
This simple habit will give you greater control over your budget. By viewing all your expenses, you will easily see where you can cut or adjust.
2. Cut unnecessary expenses
Once you’ve organized your expenses, you’ll be more prepared to make important adjustments.
The next step is to cut unnecessary expenses. You may be paying for services you don’t use or spending too much on little things like clothes or food delivery.
When you review your expenses, it will become clear what can be eliminated. This not only helps you save money, but it also makes it easier to know what your priorities are on a daily basis.
3. Reduce credit card use
Another important habit to save money is to reduce the use of credit cards.
Although it is a useful tool, it is easy to get lost in installments and be tempted to spend more than you can afford.
Therefore, a good strategy is to use your credit card only when necessary and, whenever possible, opt for cash payments.
This way, you avoid high interest rates and maintain financial control.
4. Invest your money
Investing is an efficient way for you.
Even if you only have a small amount available, starting to invest is an excellent idea.
Over time, your investments can yield much more than traditional savings.
Therefore, consider investing in options such as stocks, real estate funds or even a fixed income account.
5. Use the 50/30/20 method
A very effective strategy for organizing your money is the 50/30/20 method.
The idea here is to divide your income evenly into three parts: 50% for essential needs, such as rent, bills and transportation; 30% for desires, such as leisure and non-essential purchases; and 20% for savings and investments.
With this division, you ensure that you are meeting your needs, but also saving for the future.
6. Prepare meals at home
Finally, one of the simplest and most efficient ways to save is to prepare your meals at home.
If you eat out or order delivery frequently, you may be spending more than you realize.
Cooking at home is not only cheaper, but it also allows you to choose fresh ingredients and control portions.
Over time, this practice can generate considerable savings in your monthly budget, not to mention the benefits for your health.
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