Me Poupe! - Nathalia Arcuri

Do you have debts and do not know what to do to pay them? Are you a saver and have no idea what to do with the money saved? Nathalia Arcuri will teach you in this book “Me Poupe!” how to save and invest money correctly!

If you have financial problems or simply are looking forward to understand better banks taxes and other financial acronyms, this summary is perfect for you.

Regardless of your situation, know that you can find a way to make more money.

Got interested in changing your life with better money management? Stay with us!

The book “Me Poupe!”

In the book “Me poupe!” (2018), “Spare Me!” in a free English translation, Nathalia developed a guidework, which seeks to educate her audience. The reader should follow, step by step, some analysis and perform some practical exercises to know, in fact, the financial reality, before making decisions.

The 175-page book is divided into 10 steps and into 9 chapters with lessons that break paradigms and reader’s preconceptions, as well as assist you in control of finances and goals, in salary division and teach you about investing.

Throughout the book there are personal stories and experiences, lived by the author throughout her life. There is also the availability of various tools, tips and points of attention, with the aim of educating her audience.

Who is Nathalia Arcuri?

Nathalia Arcuri is a Brazilian woman who holds a degree in journalism and was a reporter for Record TV.

Currently, she aims to educate the population about personal finances and investments, through her digital platforms, the blog “Me poupe na web” and her YouTube channel “MePoupe!” (The largest financial channel on YouTube), which has more than 7.3 million subscribers and is seen by more than 10 million people in a month.

To whom is the book “Me Poupe!” indicated?

This book is suitable for all people who are looking for a better way to manage their money and want to learn how to invest.

The author seeks to bring, quite didactically, a step by step to make your money work for you with the goal of helping you to conquer your dreams. For the author, it is not enough to save, there must be a purpose for it.

That way, if you are willing to know the techniques, the paths and how you can earn your financial freedom, this book is for you!

What can I learn from the book “Me Poupe!”?

In this summary, we’ll cover the 4 essential steps for anyone who wants to better manage their money:

1. Awareness that it is possible to change habits;
2. Teaching to control your finances and set goals;
3. Teaching to divide in percentage everything you earn;
4. Teaching about investments, especially fixed income.

Now let’s get to the content!

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Is it possible to change your conceptions?

Nathalia Arcuri, in the first moment of the book “Me Poupe!”, shows her purpose. From the beginning, she proposes that you set a deadline to the end of reading and suggest you set a goal of pages to read daily.

Soon after, she seeks to make the reader aware thatit is possible to change limiting habits and beliefs, such as: “I was born poor, I’m going to die poor”, “Having money is not for people like me”, “Investments are just for rich people”. These labels are abhorred by the author, who chooses to break them.

Step 1: Talk about money before it goes missing 

For the author, this step is fundamental for good administration. The more a person is ashamed to talk about money, the more complicated the situation tends to be.

Step 2: Have clear goals

The second step of the book is, in order to know what to do, have clear and well-defined goals. That way, you avoid spending with silly things, to save for something bigger.

These goals need to be:

• Authentic (starting from you);
• Important (making difference for you);
• Justifiable (something that makes sense, has meaning in your life).

Nathalia still brings her knowledge of coaching to help her followers. She presents a personal value framework to assist you in the division of your priorities.

For her, identifying such values ​​is the first step toward having a healthy relationship with financial life. She suggests that you list the following list from 1 to 6, where 1 represents the value you most identify with.

• Freedom;
• Safety;
• Status;
• Respect;
• Recognition;
• Love.

This list is variable for each person and helps you identify your priorities when it comes to dealing with goals.

How to set priorities, control finances and create goals?

In this section of the book “Me Poupe!”, it is imperative that you get to know yourself better to reach the 5 questions of conscious consumption.

1. What do you want?
2. For what?
3. When will you settle?
4. How much will it cost?
5. Who will pay?

This script helps people who need to assess whether they will be able to pay for their goal and how long they will need to complete it.

Step 3: Take care of self-knowledge

Only those who know themselves can set priorities and plan his financial lives.

But, as the book is geared toward the financial sphere, Nathalia Arcuri suggests an exercise for financial self-knowledge. Starting with: Analyze how much you actually get within a month!

Once you know how much you earn, it’s time for you to list how much you spend monthly, including installments and debt.

She suggests downloading a spreadsheet on her blog, the “me poupe na web”.

The next step is to analyze the money that works for you! And this doesn’t just happen. She teaches 3 techniques to set a goal correctly.

First, you have to be SMART:

• S of specific;
• M of measurable;
• A of achievable;
• R of relevant; (Know why it's important to you);
• T of Time-bound.

The term can be subdivided into:

• Very short: up to 1 month;
• Short: up to 2 years;
• Medium: from 2 to 5 years;
• Long: from 5 to 10 years;
• Very Long: more than 10 years.

Thus, the goals can be called:

• Little goals: which are the very short term;
• Goals: which are short-term goals;
• Big goals: those of medium, long and very long term.

Do you know how to divide your money?

Step 4: Money does not accept outrage

Don’t waste time on something that you sweat so much to win!

It’s a way to make you aware of not spending money on unnecessary things.

She seeks, through various techniques, to transform your life, since, besides helping you in financial control, the author wants to help you to find a life purpose!

In addition, she explains the concept that keeping (use when you feel like it) is different from saving (only use in a specific situation).

She gives, in the book, a list of possible stamps, or destinations for your money.

In addition, Nathalia suggests a process developed to follow and avoid spending unnecessarily and uncontrollably:

• Desiring something;
• Budget;
• Plan to conquer;
• Keep the focus (only if you really want it);
• Perform.

Step 5: Spare me, spare yourself, save your money

The author gives a lesson based on the reasons to save and it is based on the theory of Daniel Kahneman, which relies on two ways of thinking:

• Fast: emotional and intuitive;
• Slow: rational and logical.

In this way, “Me Poupe!” suggests techniques to make you stimulate your slow behavior at the time of a purchase. One of them is what she calls “100 Cost”, that is, calculate how many hours you need to work to earn 100 dollars. Which will help in decision making.

Another option is to base your decision on a technique, in 5 questions:

• Do I want to?
• Do I deserve?
• Do I need?
• Can I?
• Do I must?

Besides these techniques, Nathália goes deeper. She states a division of your salary.

Sharing 70/30, 70% for current expenses and 30% for the future.

Learn to invest

Worried about educating the readers about the importance of investing and making money work alone, Nathalia explains some acronyms for the fixed income investment.

Step 6: In compound interest, believe

Interest in Brazil is the largest in the world. And, like everything else in life, it has both sides of the coin. This is horrible for borrowers, but very good for lenders.

Bad example: Debt of $100, interest of 14% per month in January. In December, the debt will be $481,80.

Good example: The person lends $100 to the bank, with interest of 1% a month and decides to put $100 every month in that same investment.

• Month 1: $100 + 1% = $101;
• Month 2: $101 + 1% = $102.01 + $100 = $202.01;
• Month 3: $202.01 + 1% = $204.03 + $100 = $304.03.

If you do this for 20 years, it will total $100,014.

On the other hand, if you only add the amount of $100 per month, it will total: $24,000 in the same period.

So, which is better? Did you understand how you can take advantage of compound interest?

Explaining financial acronyms

• SELIC rate: Basic rate of interest. It commands all the rates of the country, that is, if the SELIC increases, the interest increases;
• IDC (Interbank Deposit Certificate): rate that banks use to make transactions between them. Usually closely follows the SELIC. If investment is paying 100% of the IDC, it means that it will return exactly what the CDI had to profitability in that year;
• IPCA: it is inflation. Broad consumer price index. It indicates how much your money depreciates;
• CGF:Credit Guarantor Fund is a reserve to compensate if one day the bank breaks. Today it is 250 thousand reais per CGF;
• Capitalization title: it is not investment;
• Savings: it is an investment with low profitability and it is exempt from IT (Income Tax);
• PCL (Property Credit Letter) and ALC (Agribusiness Letter of Credit): Fixed income investments that do not levy taxes on profitability. You lend money to the bank and it lends to real estate or agribusiness. The deadline is very strict, but the money is spent there all the time. 
• Consortium:it is not an investment;
• Financing: it is not investment. In that case, the money worked for the bank; 
• Direct Treasury: it is investment. It is about lending money to the government and being paid with it through interest. When you buy treasury bonds, the government owes you and it is the best payer you have;
• CBD (Certificate of Bank Deposit): is an event. A bank needs money and offers debt securities to clients. It is agreed that the money will be returned within a stipulated time;
• Stocks of companies: small parts of large companies available for purchases. Variable income type.

Briefly summarizing:

• Fixed Income: you lend money to the bank or government and they return with interest;
• Variable Income:You can buy a part of the company, waiting for it to grow and for your stock to appreciate.

Do you want to start with variable income? Answer these questions:

• Do you know how much goes in and how much goes out of your pocket every month?
• Fixed income is the previous step of variable income. Do you know everything about fixed income?
• When was the last time you reviewed a publicly traded company?
• Do you accept the possibility of losing money that you have saved and invested?
• Do you feel free to use a Home Broker?
• Do you have the patience and discipline to track variable income outcomes?

If you answered “no” to one of them, it’s not time to get in the financial market!

• Where to invest? You have to decide. It varies greatly from the investor profile;
• How to begin? Open an account at an online brokerage, keep an eye on those that do not charge fees to operate and check the treasure site. Nathalia suggests that you transfer $100 and apply for the SELIC treasure. Then follow that money. That way, you will lose your fear and get to know yourself better. 

Step 7: Never stop learning!

The author indicates 5 habits to invest better:

1. Talk about money as one who talks about food, that is, without embarrassment;
2. Read the newspaper economy notebook every day;
3. Keep an eye on the acronyms SELIC, IPCA. Pay attention if you want to gain from inflation;
4. Have milestones, goals and methones;
5. Get to know all types of investments available.

How is your emergency reservation?

Do not you know what I’m talking about? So your goal will be to build it!

It serves for cases of many emergencies such as unemployment, broken car, car crashed, sick dog, that is, for punctual things that were not in your plans!

What would be a good reserve? According to the book “Me Poupe!”, the one with enough money to maintain your standard of living for at least 6 months.

Where to apply to build this reserve?

Local with daily liquidity, examples:

• SELIC Treasure;
• Another with at least 95% of the IDC.

If you decide to build your emergency reserve today, you can choose to schedule monthly applications in the SELIC treasury.

Step 8: Forget what they told you about retirement

In addition to these tips, the author decides to invest her time to explain about private pension and to take care of the possible pranks. Some examples:

• Attention in the rates of loading and administration;
• It is possible to make portability to another institution;
• The profitability of social security is much lower than applying alone in other types of investments.

What is financial independence?

Achieving financial independence means being supported by your money, that is, you only work if you want.

Nathalia Arcuri teaches her methods for achieving that independence through investments that make money work.

Step 9: Take responsibility and let yourself go wrong 

It serves to provide you, the reader, with self-responsibility for your actions, mainly to change your mindset.

Step 10: Be thankful and celebrate every day

She emphasizes the importance of gratitude for developing a successful life.

Other books about finance

In the book “Como Organizar Sua Vida Financeira”, the author Gustavo Cerbasi presents tips for making better decisions with your money. It begins with a current analysis of your situation. Shortly, he proposes an equity value that will give you Financial Independence.

The book “Life Changing Secrets” is the union of 3 classics from Napoleon Hill, Dale Carnegie and Joseph Murphy. Resulting in a book aimed at those who want to turn the idea into action, that is, really put the “hands on” and make the difference. They are a great option for you who want to change the direction of your financial life!

In “Awaken Your Inner Giant”, Tony Robbins has already helped millions of people and shows us how the human system of decision-making works. Nothing better to be aware of this to help you make the best decisions when it comes to spending your money, is not it?

How can I apply the ideas from “Me Poupe!”?

The book is totally practical. It has steps that enable you to stop, think and analyze your scenario, besides it proposes the change of habits.

If you want to have different results, you need to have different attitudes!

In addition to providing knowledge, “Me Poupe!” insists on application. That is, it’s up to you! Now that you already know how, do you want to change your life? If so, take care of your money and apply tools learned here to invest!

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