How to save money to buy an apartment? Find out now!

Family planning is the first step in thinking about how to save money to buy an apartment. Through it, you can both know where the money you earn comes from and where it goes, as well as predict expenses and cut unnecessary expenses.

The financial planning also assists in creating an emergency fund for unforeseen and identifying opportunities to increase income.

Thinking about planning is also thinking about investing, either to generate new sources of income or to guarantee a better future for you and even your children.

An important part of planning is raising the bills. Registering all expenses in a spreadsheet makes it much easier to control and visualize where the money is going.

See below how to keep an eye on spending in detail!

Keeping an eye on finances

To start saving money to buy an apartment, you need to know how much you have available each month, that is, the entrances and exits.

To carry out this follow-up, start writing down all financial transactions throughout the month. Write down what you get and what you spend – from coffee to fixed bills, such as water, electricity, rent and internet.

If you have a fixed income, just make the notes for a month, otherwise, keep following the movements for up to three months. Use spreadsheets, notepad, applications, or any other technology you like for your notes.

Having done this X-ray of the budget, it will be easier to discover the excesses and where to make cuts to save.,q_glossy,ret_img,w_640/https:/


So it must be with the entrances too. That’s why you need to define a method of writing down everything you receive and spend—including the little things.

In this way, planning to save money to buy an apartment can be done through different platforms: in online spreadsheets, smartphone applications, in Excel or even with a pen and paper, marking everything in a notebook.

To save is necessary

Now that you know the real state of your finances, organize yourself to live a standard below. The idea is: if you earn the equivalent of three minimum wages, live like someone earning two and a half.

To experience this in practice, you need to set savings goals. The idea is to make a list with some dreams and create savings goals to achieve them, with deadlines.

For example, you want to buy an apartment on the floor plan within the next two years. For this, you will need to collect an amount equivalent to the down payment of the property’s financing. Then create the goal: “entrance to the apartment – ​​2 years”.

Calculate how much you need to save each month to reach this goal within two years, and every month, as soon as you receive your salary, discount this amount, just as you do with fixed expenses.

Do this with the other medium- and short-term dreams and you’ll see how much easier it will be to get out of debt.

Creating the habit of saving will make all the difference when you are paying the mortgage installments for the apartment, after all, the installments compromise around 30% of the buyer’s monthly income for a few decades.



To be able to continue paying the monthly bills and buy your apartment without going into debt, you need to save as much as possible.

Start by cutting superficial expenses

You can start wiping away some excesses in the budget, such as the beauty salon and barber bills, weekend getaways and even energy and supermarket bills.

Now, stop for a minute and think about your routine. In it, did you find any cost that does not correspond to your family’s essential needs? If so, you’ve already found what we call extra expenses and can start reducing them.

If you have any difficulties with this exercise, let us help with some suggestions:

  • Do You Know The Habit Of Having Lunch During The Week In Restaurants Or Fast-Food? You Can Replace It With Food From Home, Which, In Addition To Being A Healthier Option, Will Help You Save A Lot Of Money.
  • How Do You Go To Work? By Car? Have You Ever Thought About Leaving Your Car At Home And Going By Public Transport In A Few Days Or Making A Ride With Colleagues And Sharing The Value Of Fuel? This Is A Simple Tip, But It Makes All The Difference At The End Of The Month.
  • When Having Fun And Enjoying The Weekend, Recesses And Holidays, Choose More Affordable Options. Remember Your Goal And Financial Goals For Each Month And Don’t Give In To The First Expensive Party That Comes Along.

So, just reading our advice, everything can seem more challenging than it really is, but with disposition and a dash of creativity any routine can be changed with more affordable options.

The motto is: free your imagination and secure your wallet!

#Tip: Check out 3 apps to help you with financial management!


  1. Guiabolso : personal finance trainer . The app connects to your bank account and card data and organizes all your expenses in one place. It is 100% free and available for Android and iOS.
  2. Organizze is a clean looking and easy-to-use spending app. You can add earnings and expenses, but all manually, and control where the resources go and where they come from through graphics. It has a basic and free version, but it also offers a paid option for R$8 a month or R$80 a year, with some extra features.
  3. Mobills: has a categorized expense record and an interface that helps you achieve your dreams. It also features credit card control, dynamic and interactive graphics, and goal and budget control. Mobbils has versions for Android, iOS or Windows Phone. Despite having free plans, almost all features require the person to make a paid plan, which costs from R$8 to R$14.90 per month, depending on the features.

Beware the villain of healthy financial living!

If you’re wondering who this great financial planning villain is, the answer is simple: your credit card.

It may seem like an exaggeration, but anyone who has had the “dirty name” in the SPC or Serasa knows how much interest on credit cards (and even overdraft) can affect a budget.

In this phase of savings for the purchase of your property, choose to retire your card a little and only use it in cases of extreme urgency, but never exceed your budget.

Give preference to cash purchases, which, in addition to guaranteeing good discounts, help you to avoid indebtedness.

Reconsider “fixed” expenses

Have you followed all of our tips so far and the budget is still tight?

So it’s worth going “deeper”, reviewing your fixed expenses and trying to discover in them what maybe is no longer so essential. For that, let’s talk about home economics.


Plan Your Trips to the Supermarket


How do you behave when shopping at the supermarket?

Do you make a shopping list or just walk through the aisles filling your cart with what you think you need?

The simple fact of going shopping with a ready-made list helps to:

  • Don’t Buy Unnecessary Things;
  • Gain Time; And
  • Have Accurate Information To Update Your Budget Control Notes.

Try this simple habit change and see the results.

Review Phone, Internet and Cable TV Bills

These are those types of services that most people have contracted under pressure from some pushy salesperson, who always makes us hire packages that don’t exactly match our reality and come loaded with additional payment fees.

What happens is that, in the rush of everyday life, many of us fail to check these details and continue to pay for services that no longer serve us.

When it comes to saving money to buy a property, every effort to observe reality is little!

Pay Attention to Water and Energy Bills

This tip is useful for your pocket, but, above all, it is very important for the conscientious consumption of resources: save water and electricity!

Anyone, no matter how disciplined, occasionally sins in this regard.

Looking at your routine, answer these questions:

  • Do You Usually Take Long Baths?
  • Are They Always With Hot Water?
  • Do You Turn Off The Faucet While Soaping?
  • And The Lights, Do You Always Turn Off When You Leave A Room?
  • Is It Really Necessary To Keep The TV On While No One Is Watching?
  • Why Are Outlets Still Plugged In When You Are Not Using A Particular Appliance?
  • When Washing The Yard, The Car, Watering The Plants, Etc., Do You Use A Bucket Or Hose?

I’m sure by answering the above questions you may have identified some bad habits in your routine.

Changing these habits sounds simple and makes a huge difference in the long run. Try it!

Don’t leave money standing

So far, we’ve already given you valuable tips to help save and save money to buy your apartment. But what to do with this amount during this savings phase?

Some people choose to save the remaining money in a savings account, but economists’ advice is to make this amount multiply faster by investing in financial investment funds.

Another advice is to generate extra income by offering some product or service in your spare time or working as a freelancer.

Discover the technique of envelopes to save money!

Method used by Nathalia Arcuri

Have an emergency reserve

This is our last tip, and taking it seriously will make all the difference.

How many times have you had to use money from a financial reserve to solve some urgent demand?

The feeling of being forced to give up money that represents a long period of sacrifice and discipline to buy medication from an aunt who got sick, for example, is doubly bad, isn’t it?

But what to do to avoid these situations? Harden your heart and not help your aunt? Certainly not! For these and other adversities that threaten your savings, have an emergency financial reserve.

That’s right, the ideal is to set aside about 5% of your salary, every month, in order to solve unexpected demands and out of budget. In other words, you will be including the unexpected in your planning and preventing possible losses.


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