Find out how to control the budget and reduce debts with simple habits that fit everyday
Half of the year has passed, and many Brazilians still feel the tightening of finances. Serasa data show that 49% of people spent more in the first six months of 2025 than in the same period last year, while only 40% regularly revisit the financial objectives set at the beginning of the year. This lack of follow -up shows the difficulty of maintaining budget control, balances debt and investing consistently.
At the same time, a Powerful survey indicates that 53% of Brazilians expect their finances to improve over the next six months, while only 12% are pessimistic. The scenario reveals that even after a challenging semester, there is a willingness to reorganize finances and adopt more strategic habits.
According to Marcello Marin, accountant, administrator and master in corporate governance, the biggest challenge is not technical, but emotional. “Impulsiveness and self -prison, that ‘deserved’ credit or the belief that it will be compensated later, corrode the budget. Control card limits, monitor weekly spending And using apps with alerts works as a ‘personal trainer of the pocket’. Conscious control of financial behavior is as important as finance planning, ”he explains.
With discipline, practical methods and technology support, it is still possible to balance the budget and start more safely. The concept of the “semester of the turn” proposes exactly this: using the coming months to organize expenses, reduce debt and create financial habits that make a difference next year.
“Small actions can have a significant impact, consistency makes all the difference. Whoever uses the second semester to clean debts, Budget And create the habit of investing, starts 2026 with less tension and more space for opportunities. It’s like correcting the airplane route before turbulence, ”says Marcello Marin.
Organizing finances before the end of the year
To help put finances in order, Marcello Marin points out practical movements that can transform the rest of 2025 into a period of financial recovery. Check it out!
1. Organize before cutting
The first step is to be clear about the current financial framework: income, debts, fixed and variable expenses. Maping everything is the first movement, and it doesn’t have to be difficult: today, tools with artificial intelligence support, such as chatgPT, mobills, guide and FINTZ, facilitate spreadsheet creation, spending categorization and identification from where you can cut. The result is a shock that releases and shows real ways of economy.
Imagem: iona didishvili | Shutterstock2. Change expensive debts for the cheapest
Negotiate fees or migrated card debts and overdraft for more economical modalities such as payroll, warranty credit or loan portability. The interest difference can mean hundreds of reais less per month. This strategy reduces the weight of interest and releases Budget money.
3. Eliminate invisible spending
Review unused signatures, bank fees and automatic apps on applications or delivery helps cut unnoticed expenses. Cutting these excesses is like gaining an increase without working anymore. The control of these expenses ensures more financial clearance without major sacrifices.
4. Create or increase your emergency reserve
Even small values, such as $ 50 or $ 100 per month, already help build a security mattress. This reserve avoids resorting to expensive credit and brings more peace of mind. Reserve It also helps to maintain planning even in the face of unforeseen events.
5. Automatize contributions and plan great expenses
Define one fixed value To be transferred every month to investments or applications, preferably on the day of receipt of the salary. In addition, plan predictable end of the year, such as Christmas, Vacation and IPVA (Motor Vehicle Property Tax).
Dividing these costs by the remaining months avoids entering the red in January and turns a period of voltage into a lighter year closure. Automating contributions and anticipating important expenses helps create discipline and stability.
By Leticia Carmo
