Expert gives tips so that young people can better plan their expenses and invest safely
You, the reader, have probably already come across the expression "financial education" . Before delving into the meaning of this term, it is important to explain that the concept of "education" refers to the learning process capable of transforming lives through the sharing of experiences, data and information; and the term "financial", well, refers to the monetary universe and its various branches.
Since 2020, according to the new guidelines established by the Ministry of Education (MEC) for the National Common Curricular Base (BNCC) , all schools across Brazil would need to have Financial Education in their curriculum. The topic is not required to be configured as a specific subject, and can be included in other subjects.
This determination comes at a time of extreme need, especially if the Brazilian economic context is taken into account. According to a survey conducted by the Credit Protection Service (SPC Brasil) and the National Confederation of Shopkeepers (CNDL), citizens of the largest country in Latin America give an average score of 6.3 for their own level of financial education, on a scale of 1 to 10.
The current situation is the result of a lack of education focused on this monetary area. This field of education is still undervalued by a large part of the population , especially young people, who are gambling data switzerland not encouraged to have more control over their spending and to study their own and their country's economic situation. But, after all, what is financial education and how can young people benefit from this form of learning?
Inside the monetary universe
Financial education goes far beyond the act of saving. It aims to better understand the world of money and includes a set of methods and tools that will help individuals navigate it. In addition, it encompasses practices and skills that will be of great help not only in the financial sphere but also in the personal sphere.
"Financial education is nothing more than teaching people how to manage their finances, helping them acquire this notion of what income is and that expenses should not exceed it, and that it is important to generate savings and put money to work for us. It is giving people knowledge so that they can manage their money better, and thus be able to have a better, more comfortable life, without having to go through hardships", says Kayline Moreira , professor of Economics at the University of Fortaleza.
Thus, this learning process aims to change people's mindsets so that they can maximize their financial gains and manage them in the best possible way, and involves, in addition to economic and monetary factors, the emotional and sociocultural spheres.
Kayline Moreira, professor of Economic Sciences at the University of Fortaleza.
Focus on young people
The age range from 18 to 24 is marked by many changes, and one of them is the beginning of financial freedom , when young people start working and earning their own money, gradually leaving behind their dependence on their families. And that is exactly why financial education for individuals who are in this phase is so necessary.
For the professor, who has a master's degree in Economics, financial education is something that leaves much to be desired in Brazil. "The population does not receive this education, especially when they are young. Since we do not have this in school, some people learn the hard way, and there are some who simply reach adulthood, start working, earn money, start a family and have never been educated ," she says.
Thus, personal financial management will ensure that these young people have greater control over their capital and prevent them from spending their savings unnecessarily and/or excessively, which can be very common at this age. Learning to manage their finances also improves young people's relationship with money, which, consequently, allows them to better prepare for the future.
"Financial education is important, and should be one of the pillars of basic education, because it is something necessary in people's lives. Everyone who starts working, getting paid, earning money, needs to know how to handle that money, and the younger the better, because then we start, from our allowance, from our first job, from our first internship grant, to manage our money well so that it doesn't escape our pockets", explains Moreira.
This deeper understanding of personal savings also results in greater self-awareness on the part of young people, who begin to understand and analyze their true consumption habits. Having an idea of how much and what you are spending on helps a lot when it comes to planning and using money in an intelligent and promising way.
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