
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!
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.
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.
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!
In this summary, we’ll cover the 4 essential steps for anyone who wants to better manage their money:
Now let’s get to the content!
Do you have no time to read now? Then download the free PDF and read wherever and whenever you want:
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.
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.
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:
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.
This list is variable for each person and helps you identify your priorities when it comes to dealing with 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.
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.
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:
The term can be subdivided into:
Thus, the goals can be called:
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:
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:
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:
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.
Worried about educating the readers about the importance of investing and making money work alone, Nathalia explains some acronyms for the fixed income investment.
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.
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?
Briefly summarizing:
Do you want to start with variable income? Answer these questions:
If you answered “no” to one of them, it’s not time to get in the financial market!
The author indicates 5 habits to invest better:
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:
If you decide to build your emergency reserve today, you can choose to schedule monthly applications in the SELIC treasury.
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:
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.
It serves to provide you, the reader, with self-responsibility for your actions, mainly to change your mindset.
She emphasizes the importance of gratitude for developing a successful life.
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?
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!
So what’s your opinion about this book summary? Do you have something to add? Feel free to contact us! Leave your feedback in the comments!
The complete edition of the book is available below, just click on the image!