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The delivery receipt. Take advantage of this opportunity! If you have any further questions, tell us on our digital channelsWith the beginning of a new year, many people set goals to be met and, usually, among them is the challenge of getting financially organized. Whether it's to get out of debt or create an emergency reserve, it's important to know how to handle money . But before that, it is necessary to understand some external factors that may impact your planning.

Brazil's economic instability in 2021 affected purchasing power and influenced the population's debt generation. According to the Consumer Indebtedness and Default Survey (Peic) , released by the National Confederation of Commerce in Goods, Services moible number data and Tourism (CNC), 75.6% of Brazilian families were indebted until November last year. This means that around 12.3 million of them have credit card debts, financing, overdraft, mortgage payments, among others.



The Economics and Planning analyst at Sicoob Engecred and economic scientist, Gabriela Fernandes, explains that one of the reasons behind the increase in debt is the Extended Consumer Price Index (IPCA) , which closed with an increase of 10.06% in the last year. “This means that, on average, prices in the Brazilian economy have risen by more than 10% in 12 months and, among the groups of products that have shown an increase, are precisely those that are essential in the daily lives of citizens.