Filosofia
- How Low Can It Go? 7 Dramatic Reasons Why The Oil Price Collapse Is Driving Us To The Edge
Querida Sofia, Há quase dez anos, quando comecei a trabalhar num grande banco francês, tinha na minha equipa colegas que eram obcecados por seguir o curso da bolsa francesa para ver o valor da acção da instituição financeira. Todas as manhãs...
- E O Que Fazemos No Primeiro Dia Do Ano? And What Do We Do On The First Day Of The Year?
Querida Sofia, Hoje é dia de plantar as boas resoluções para os próximos 366 dias de 2016. Dear Sophie, Today is the day to list the resolutions for the upcoming 366 days of 2016. 16 - Evitar alimentar conversas negativas...
- Dear 2013, Make 2014 Some Room To Live And Breathe!
Fogos de artifício da Unitel no Miami Beach, Dezembro 2013.Unitel's Fireworks at Miami Beach, December 2013. Querida Sofia, 2013 não foi um dos anos mais memoráveis da minha vida. Entretanto, foi um ano no qual concretizei diversos projectos...
- Barely Bearable People #2
von Getty PESSOAS QUE ESTÃO CONSTANTEMENTE A PENSAR E FALAR EM DINHEIRO / PEOPLE WHO ARE CONSTANTLY TALKING ABOUT MONEY AND SPENDING Eu: “Quando fui a Nova Iorque no início do ano, passei por duas tempestades de neve” Conhecido/a: “gastaste...
- Get Out! Get Out! Get Out-a-here!
fonte: http://www.globeimages.net/img-luanda-at-night-angola-12626.htm Querida Sofia, Passei do estado “menina mundana (no sentido de sair bastante, não o outro)” que saia três a cinco vezes por semana (jantares, cocktails, cinema…)...
Filosofia
How much richer did I get 7 months after writing about how to become richer in 2015?
Querida Sofia,
Li recentemente um artigo sobre a regra do 50 - 30 - 20, que diz que devemos gastar 50% dos nossos recursos com necessidades vitais (casa, comida, transporte), 30% com os nossos luxos pessoais (desporto, beleza, divertimento, viagens) e poupar 20%.
Há sete meses diverti-me imenso a escrever uma carta sobre a minha relação com as minhas finanças e como me organizo quanto ao tema. Hoje vou dizer o que gasto ou não gasto, como tenho cumprido com as minhas próprias regras e quanto mais rica fiquei desde que escrevi o dito artigo!
Há sete meses diverti-me imenso a escrever uma carta sobre a minha relação com as minhas finanças e como me organizo quanto ao tema. Hoje vou dizer o que gasto ou não gasto, como tenho cumprido com as minhas próprias regras e quanto mais rica fiquei desde que escrevi o dito artigo!
Dear Sophie,
I recently read about the 50 - 30 - 20 rule, that says that we must spend 50% of our income in necessities (such as housing, food, transportation), 30% in our lifestyle choices (gym, entertainment, beauty expenses, travelling...) and save about 20%.
Seven months ago I had loads of fun writing about how to be richer (or less poor) in 2015. I exposed my tips and views on how I deal with my personal finances. Today I am going to tell you what I spend on the most, what I don't spend on at all, how I have been following my own rules and how much I have saved since writing that amusing piece!
Seven months ago I had loads of fun writing about how to be richer (or less poor) in 2015. I exposed my tips and views on how I deal with my personal finances. Today I am going to tell you what I spend on the most, what I don't spend on at all, how I have been following my own rules and how much I have saved since writing that amusing piece!
I - Os meus maiores gastos
Como tenho um excel para me organizar, sei exactamente no que gasto. Primeiro balanço:
a) Internet: é cara e em Angola e eu consumo muito. Já começam a haver soluções para internet quase ilimitada, mas como vêm com pacotes TV (eu não tendo TV...) e telefone, ainda não me verguei no tema. Considero isto um misto de necessidade e luxo.
b) Comer fora: como fora quase todos os dias da semana, quando almoço. De vez em quando, há um jantar ou outro. Por vezes sou convidada, por vezes convido. Já não é o meu maior centro de custos (já foi quando escrevia sobre o tema), mas apesar de ser ainda um pouco caro comer fora em Angola, não deixo de o fazer. Considero isto também um misto de necessidade e luxo.
c) Beleza: desde Dezembro 2014 que trato do meu cabelo 100% profissionalmente. Pelo comprimento que tenho agora, não consigo cuidar do mesmo em casa, então vou ao cabeleireiro religiosamente todas as semanas. Enquanto estive em Cape Town, tive de o lavar eu mesma e foi a desgraça. Além disso, há a depilação - isto de andar sempre quase ao leu num país onde faz mais de 35 graus é uma droga - e, recentemente, comecei um tratamento profundo na cara. Isto tudo pesa no bolso no final do mês. Esta despesa entra na categoria luxo.
d) Gasolina: antes era barato em Angola, mas os preços triplicaram nos últimos meses. Agora já começa a pesar no bolso fazer o depósito no carro. Esta despesa é uma necessidade.
e) Casa: a minha nova casa tem sido a minha maior despesa de 2015. Além da renda, tenho decorado a mesma aos poucos. É um grande custo, mas também uma das minhas maiores fontes de bem-estar, dai entrar no ponto necessidade.
f) Motorista: não conduzo (e acredito que não vá conduzir tão cedo), então sou a provedora do emprego de uma pessoa, todos os meses. Adoraria falar mais sobre ele, mas acredito ter um público virtual numa realidade muito diferente da minha para o fazer. É um custo grande, mas um luxo necessário para mim, numa cidade onde quase nada se faz a pé.
g) Compras de supermercado: pode parecer uma despesa óbvia, mas toma outras proporções em Angola. Lembras-te do preço das cerejas? A comida é, na maioria, importada e como estamos em crise, os preços subiram ainda mais. Então a despesa com a comida em casa também tem aumentado. Como é uma necessidade, é uma despesa incontornável para mim.
I - Where I spend the most
I have an excel to helps me track my expenses and here is a break down of my major expenses:
a) Internet: it's expensive in Angola and I use it. A lot! New almost illimited options are now available in the market, but they are always built around phone and TV packs. As I do not have a TV, I do not see the use for it, but I should look further into it in the future. I consider this expense a mix of necessity and lifestyle choice.
b) Eating out: I have lunch at a restaurant almost every day. When I have lunch, as I skip it often. Here and there, I might even go for dinner. Sometimes I am invited and sometimes I am the one footing the bill. It is not my major expense as it was when I used to write professionally about it, but it is still expense to dine out in Luanda. Nevertheless, I will not stop doing it. I also consider this expense a mix of necessity and lifestyle choice.
c) Beauty: I have been dealing with my hair exclusively professionally since December 2014. Because of its new length, I gave up on taking care of it on my own and go to the hairdresser weekly. When I spent 18 days in Cape Town a few weeks ago, I washed it by myself and it was a disaster. Furthermore, there is the waxing - I live in a 9-month per year sunny country, so my legs are for show almost all year long... it's so annoying! - and more recently, I have started a facial treatment that involves professional handling. This costs me so much! It is definitely a lifestyle choice.
d) Gas: it used to be unexpensive in Angola, but gas prices have gone up 3 times in the past few months here and it's start to weigh quite a bit on our pockets. This is definitely a necessity.
e) Housing: my new house has definitely been my major expense budget of 2015. Other than the rent, the furniture has also been a priority. Nevertheless, my home is one of my biggest sources of happiness, so it is a necessity for me.
f) Driver: I do not drive and do not intend to start driving anytime soon. This means I have a personal driver and his salary is 100% my responsibility. I would love to talk about him here, but I do not think my readership would ever understand my reality. It is a major expense for me, but a necessary luxury in my life, in a city where you cannot do a thing on foot when not in the city old center.
g) Groceries: might seem like an obvious expense, but it's quite a big one in Angola. Our groceries are mostly imported and flying and tax costs weigh heavy on our pockets. Remember how much cherries cost here? Prices have skyrocketed in the past months - as we are dealing with an oil crisis here - but eating is a necessity. What can I do about it?!
a) Internet: it's expensive in Angola and I use it. A lot! New almost illimited options are now available in the market, but they are always built around phone and TV packs. As I do not have a TV, I do not see the use for it, but I should look further into it in the future. I consider this expense a mix of necessity and lifestyle choice.
b) Eating out: I have lunch at a restaurant almost every day. When I have lunch, as I skip it often. Here and there, I might even go for dinner. Sometimes I am invited and sometimes I am the one footing the bill. It is not my major expense as it was when I used to write professionally about it, but it is still expense to dine out in Luanda. Nevertheless, I will not stop doing it. I also consider this expense a mix of necessity and lifestyle choice.
c) Beauty: I have been dealing with my hair exclusively professionally since December 2014. Because of its new length, I gave up on taking care of it on my own and go to the hairdresser weekly. When I spent 18 days in Cape Town a few weeks ago, I washed it by myself and it was a disaster. Furthermore, there is the waxing - I live in a 9-month per year sunny country, so my legs are for show almost all year long... it's so annoying! - and more recently, I have started a facial treatment that involves professional handling. This costs me so much! It is definitely a lifestyle choice.
d) Gas: it used to be unexpensive in Angola, but gas prices have gone up 3 times in the past few months here and it's start to weigh quite a bit on our pockets. This is definitely a necessity.
e) Housing: my new house has definitely been my major expense budget of 2015. Other than the rent, the furniture has also been a priority. Nevertheless, my home is one of my biggest sources of happiness, so it is a necessity for me.
f) Driver: I do not drive and do not intend to start driving anytime soon. This means I have a personal driver and his salary is 100% my responsibility. I would love to talk about him here, but I do not think my readership would ever understand my reality. It is a major expense for me, but a necessary luxury in my life, in a city where you cannot do a thing on foot when not in the city old center.
g) Groceries: might seem like an obvious expense, but it's quite a big one in Angola. Our groceries are mostly imported and flying and tax costs weigh heavy on our pockets. Remember how much cherries cost here? Prices have skyrocketed in the past months - as we are dealing with an oil crisis here - but eating is a necessity. What can I do about it?!
II - Os meus não-gastos
Podes achar esta lista inusitada, mas acho importante também sabermos em que não gastamos dinheiro:
a) Empregada: como disse aqui, todo o (MEU) mundo em Angola tem uma e eu não. Não por uma questão de poupança, mas não gosto de ter pessoas a tocar nas minhas coisas.
b) Escolas: quase todo o mundo que conheço tem filhos na escola ou estuda de noite, e têm custos exorbitantes com a educação privada em Angola. Fico sempre aliviada por não ter mais custos com isto.
c) Divertimento: nunca vou ao cinema em Angola (já fui muito no passado, mas nos últimos dois anos só fui duas vezes), não vou a discotecas, não vou ao teatro, não vou a festas, não vou a museus então o orçamento para me divertir está quase completamente inutilizado.
d) Vacances: ainda não fui de férias desde Outubro 2014 (as minhas viagens a Lisboa e Cape Town foram profissionais, apesar de ter conseguido encaixar aqui e ali alguns momentos de lazer) então não gastei nada em viagens este ano.
e) Telefone: tenho telefone profissional com o qual faço chamadas internacionais e nacionais. E por não gostar de estar ao telefone, raramente uso o dito.
f) Ginásio: como não vou, não gasto. Boa?
g) Açúcar e outras coisas: aqui entra a parte cómica, mas desde que vivo sozinha em Angola, nunca comprei açúcar. Isto porque levo dos restaurantes e tenho uma colecção incrível em casa. Eles dão-nos aquilo "gratuitamente", então porque não levar para casa?! Outras coisas que levo dos restaurantes: chá, paus de canela, guardanapos, manteiga e molhos. Prometo escrever uma carta somente sobre o meu Modus Operandi com as coisas que nos dão gratuitamente nos restaurantes e que eu levo para casa.
II - What I do not spend on
You might think this list is odd, but I think it's also nice to pinpoint where you do not spend your money on.
a) Housekeeping: as I wrote here, almost everybody in MY world has a housekeeper here in Angola. I do not not have one to save money, I just do not like having someone touching my things.
b) Education: almost everybody I know has a kid in school or studies after work hours here. And the expenses in private education are incredibly high here in Luanda! I am so relieved I do not have these in my monthly bills!
c) Entertainment: I never go to the movies (I used to go a lot, but have only been twice in the past two years), I do not go to clubs, I do not go to the theatre, I do not attend parties, I do not go to museums so my "entertainment budget" is almost untouched.
d) Holidays: I have not been a proper holiday since October 2014 (my trips to Lisbon and Cape Town were both professional ones, even if I managed to have a little fun here and there) so I have not spent money on it this year.
e) Phone: I have a professional mobile and can make national and international calls on it. And as I do not like being on the phone, I do not spend a dime on it!
f) Gym: as I do not go to a gym, I do not spend with it. Right?
g) Sugar and other items: might seem a bit comical for you, but since living on my own in Angola, I have never bought sugar. I take it from restaurants! They give it for "free", so why not take it home? Other things I take from restaurants: tea, cinnamon sticks, tissues, butter and sauces. I promise I will write you a letter about this so that you understand my M.O.
II - What I do not spend on
You might think this list is odd, but I think it's also nice to pinpoint where you do not spend your money on.
a) Housekeeping: as I wrote here, almost everybody in MY world has a housekeeper here in Angola. I do not not have one to save money, I just do not like having someone touching my things.
b) Education: almost everybody I know has a kid in school or studies after work hours here. And the expenses in private education are incredibly high here in Luanda! I am so relieved I do not have these in my monthly bills!
c) Entertainment: I never go to the movies (I used to go a lot, but have only been twice in the past two years), I do not go to clubs, I do not go to the theatre, I do not attend parties, I do not go to museums so my "entertainment budget" is almost untouched.
d) Holidays: I have not been a proper holiday since October 2014 (my trips to Lisbon and Cape Town were both professional ones, even if I managed to have a little fun here and there) so I have not spent money on it this year.
e) Phone: I have a professional mobile and can make national and international calls on it. And as I do not like being on the phone, I do not spend a dime on it!
f) Gym: as I do not go to a gym, I do not spend with it. Right?
g) Sugar and other items: might seem a bit comical for you, but since living on my own in Angola, I have never bought sugar. I take it from restaurants! They give it for "free", so why not take it home? Other things I take from restaurants: tea, cinnamon sticks, tissues, butter and sauces. I promise I will write you a letter about this so that you understand my M.O.
III - As minhas regras (reler aqui)
a) Continuo a usar o meu excel para anotar todos os meus gastos. Isso não vai mudar!
b) Infelizmente, não cumpri com a regra de cuidar da minha poupança trimestralmente e apenas o fiz uma vez em seis meses. Mas já apontei para ir ver o tema assim que fizer três meses!
c) Quanto às viagens: não levei cartão nas minhas viagens profissionais, então regra cumprida.
d) Também não cumpri esta regra: sai todos os dias com o meu cartão bancário. Oops!
e) Empréstimos: está tudo sob controle! Regra cumprida.
f) Ter mais do que uma fonte de rendimentos: ainda não tenho. Mas continuo a pensar no tema.
g) Não há nada que eu compre para satisfazer ou impressionar os outros. Mas tudo o que compro satisfaz-me muito a mim! Regra cumprida.
III - How do I follow my own rules? check them again here
a) I still use and update my excel sheet religiously. That will never change!
b) Unfortunately, I was not disciplined enough to take care of my savings quarterly. I did it once in the past six months. But I have already but a reminder on my calendar to do it quarterly again!
c) Trips: I have not taking a banking card in my professional trips, so we're good.
d) I did not follow the "do not have your banking card with you at all times" rule. How naughty of me!
e) Borrowing money: everything under control!
f) Having more than one source of income: I still do not have that! But I keep it on my mind.
g) There is nothing I have bought to satisfy or impress others. But everything I buy satisfies me A LOT!
III - How do I follow my own rules? check them again here
a) I still use and update my excel sheet religiously. That will never change!
b) Unfortunately, I was not disciplined enough to take care of my savings quarterly. I did it once in the past six months. But I have already but a reminder on my calendar to do it quarterly again!
c) Trips: I have not taking a banking card in my professional trips, so we're good.
d) I did not follow the "do not have your banking card with you at all times" rule. How naughty of me!
e) Borrowing money: everything under control!
f) Having more than one source of income: I still do not have that! But I keep it on my mind.
g) There is nothing I have bought to satisfy or impress others. But everything I buy satisfies me A LOT!
Para resumir, dar-me-ia a nota de 4/7! Acho que sou ponderada nos meus gastos e tenho uma boa ética pessoal. Já agora, deixa-me levantar o véu: calculei isto recentemente e vi que poupei, em 7 meses, cerca de 34,95% dos meus rendimentos. Para uma pessoa sem filhos, sinto que tenho uma boa métrica a manter nos próximos anos.
Infelizmente, não sei o que o futuro me reserva. Pode surgir um problema de saúde ou algo parecido e esta poupança pode não ser o suficiente. O importante é fazer de acordo com o nosso conforto pessoal. E estou bastante contente comigo mesma! Farei um novo balanço dentro de alguns meses.
To end this excruciatingly long post, I'd give myself a 4/7 mark! I think I am quite reasonable about my expenses and have an unexcessive approach to it. To summarise, let me reveal to you that in the past 7 months, I have saved about 34.95% of my income! As I do not have kids, I feel it's a fabulous achievement and one that I will try to keep in upcoming months. Notwithstanding, I know shit happens and I do not know what the future holds. I have have a health scare or something of the sorts and my savings might not be enough to keep me afloat. I think that what is important is to do what we are comfortable with. And right now, that's how I feel: comfortable. I will do another breakdown in a few months.
To end this excruciatingly long post, I'd give myself a 4/7 mark! I think I am quite reasonable about my expenses and have an unexcessive approach to it. To summarise, let me reveal to you that in the past 7 months, I have saved about 34.95% of my income! As I do not have kids, I feel it's a fabulous achievement and one that I will try to keep in upcoming months. Notwithstanding, I know shit happens and I do not know what the future holds. I have have a health scare or something of the sorts and my savings might not be enough to keep me afloat. I think that what is important is to do what we are comfortable with. And right now, that's how I feel: comfortable. I will do another breakdown in a few months.
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- How Low Can It Go? 7 Dramatic Reasons Why The Oil Price Collapse Is Driving Us To The Edge
Querida Sofia, Há quase dez anos, quando comecei a trabalhar num grande banco francês, tinha na minha equipa colegas que eram obcecados por seguir o curso da bolsa francesa para ver o valor da acção da instituição financeira. Todas as manhãs...
- E O Que Fazemos No Primeiro Dia Do Ano? And What Do We Do On The First Day Of The Year?
Querida Sofia, Hoje é dia de plantar as boas resoluções para os próximos 366 dias de 2016. Dear Sophie, Today is the day to list the resolutions for the upcoming 366 days of 2016. 16 - Evitar alimentar conversas negativas...
- Dear 2013, Make 2014 Some Room To Live And Breathe!
Fogos de artifício da Unitel no Miami Beach, Dezembro 2013.Unitel's Fireworks at Miami Beach, December 2013. Querida Sofia, 2013 não foi um dos anos mais memoráveis da minha vida. Entretanto, foi um ano no qual concretizei diversos projectos...
- Barely Bearable People #2
von Getty PESSOAS QUE ESTÃO CONSTANTEMENTE A PENSAR E FALAR EM DINHEIRO / PEOPLE WHO ARE CONSTANTLY TALKING ABOUT MONEY AND SPENDING Eu: “Quando fui a Nova Iorque no início do ano, passei por duas tempestades de neve” Conhecido/a: “gastaste...
- Get Out! Get Out! Get Out-a-here!
fonte: http://www.globeimages.net/img-luanda-at-night-angola-12626.htm Querida Sofia, Passei do estado “menina mundana (no sentido de sair bastante, não o outro)” que saia três a cinco vezes por semana (jantares, cocktails, cinema…)...