Knowing how to manage personal savings is very important to live a more peaceful life. Research reveals that Brazil is in 10th place in the world economic ranking. However, most Brazilians do not know how to manage their finances. Even with a high level of education, people do not know the best financial practices.
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Research revealed that the Consumer Indebtedness and Default Index (Peic) broke a record in 2022, reaching 77.9%. Yes, that number is very high considering family conditions.
After this percentage was disclosed, it was concluded that Brazilians, for the most part, do not know how to manage their expenses. Therefore, it was proposed that schools strengthen this culture for students and, therefore, guarantee a future and a quality of life for all.
Why do schools play such an important role?
First, we have to understand that this problem is both behavioral and cultural. In this way, schools, by providing support for financial awareness and planning, can break this cycle of debt. In addition, young people will be able to learn to handle money more intelligently.
Few people know how to calculate interest
Many people end up purchasing many products without paying attention to the high rate of embedded interest. In this way, family expenses end up increasing and being compromised. The starting point is to decide the ideal moment to know how to use the money safely.
And stable people, how do they behave?
For financially stable people, the chances of raising capital, stabilizing expenditures and leveraging economic growth are greater. When this becomes absent, the country starts to deal with social and collective problems due to the closing of companies, the layoffs and overdue bills. Public health is also affected by having to accommodate physically and mentally ill people.
In a macro way, it is clear that the lack of financial education for children, young people and adults is one of the structural shortcomings that cause the most consequences in the short and long term.
