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13/09/2025
A Emergency Reserve is an essential financial tool that guarantees monetary security in unexpected situations.
It works like a savings account to deal with unforeseen events without having to go into debt or compromise your financial goals.
Many people have doubts about how to set up an emergency reserve correctly, And in this article you'll learn everything in a simple and practical way.
First of all, it's important to identify your average monthly expenses.
To do this, add up all your fixed costs (rent, food, transport, bills, etc.) and multiply the amount by six months.
➡️ This is recommended minimum for the value of your Emergency Reserve - i.e. it must cover at least six months of your cost of living.
A Emergency Reserve should be applied to high liquidity, low risk investments, This will allow the money to be redeemed quickly in case of need.
The best options are:
Savings (easy and uncomplicated access)
CDB with daily liquidity
Selic Treasury
💬 Tip: the most important thing is have quick access to money no financial losses.
Building a Solid emergency reserve requires discipline, patience and constancy.
Make a habit of set aside a portion of your salary each month for this purpose.
➡️ Even if you start small, consistency is the key. Over time, you'll see the results grow naturally.
Your financial life changes over time - whether it's due to increased income, new expenses or lifestyle changes.
That's why, review your booking periodically e adjust the total value according to your new needs.
A Emergency Reserve occupies a role fundamental in personal financial planning.
Without it, any unforeseen event can lead to debt e financial instability.
Imagine that everything is going well in your financial life, but suddenly an unexpected expense arises - such as illness, redundancy or a car repair.
Without a reservation, it's common taking out loans or using a credit card, This generates high interest rates and makes financial rebalancing difficult.
The function of Emergency Reserve is to serve as security fund.
Her should not be used for shopping or leisure, but only for really urgent situations.
Having this fund provides peace of mind and stability even in challenging times.
The COVID-19 showed how suddenly the economy can change.
Whoever owned a Structured Emergency Reserve managed to weather the crisis without having to resort to debt.
This is proof that financial planning prevents despair in difficult times.
Analyze your expenses: know exactly where your money is going.
Set a goal: define the ideal amount for your reserve and how much to save each month.
Avoid unnecessary debts: impulse buys and superfluous spending slow down your progress.
Use financial tools: applications such as GuiaBolso, Mobills e Financial Guide help you plan and monitor your progress.
One Well-planned emergency reserve is a real safety net.
Her mitigates financial risks, protect your assets e maintains your peace of mind.
With a solid reserve, you can face loss of employment, illness or unforeseen circumstances without having to sell assets or go into debt.
In times of crisis, you no need to get rid of your investments.
The reservation serves exactly to preserving long-term assets.
Knowing that you have a financial fund prepared for emergencies brings peace of mind.
This makes it possible to make more informed decisions e pursue your goals with confidence.
In a nutshell, set up an Emergency Reserve is one of first steps towards stability and financial freedom.
It ensures that you are protected against unforeseen events, preserve your assets and stay focused on your long-term dreams.
💬 Remember: financial security begins with the habit of preparing.
📱 Useful tools:
