How Signs of Improvement in Debt Affect Your Wallet

The debt scenario in Brazil

According to G1, over 81% of Brazilian families faced some form of indebtedness in June 2026, maintaining the same trend as the previous month. Despite this, the situation shows signs of improvement, with an increase in the number of families considering themselves less indebted and a slight decrease in the average delay time of debts.

This context is crucial, as the perception of indebtedness can influence people's financial behavior. When more families feel less burdened, there is a greater chance they will begin to make healthier and more planned financial decisions.

What does this mean for your wallet?

The impact of indebtedness on personal finances is significant. For those earning a minimum wage (around R$ 1,320), for example, a commitment of over 30% of income to debts can lead to a vicious cycle of default. Considering that 84.7% of families earning up to three minimum wages are in debt, this is a call to action.

If you are part of this group, it’s important to understand what can be done:

• Renegotiate your debts: With government initiatives like Desenrola 2.0, many people can find a way to renegotiate their bills and ease the pressure on their budgets.
• Review your budget: Apply the 50/30/20 method in your routine: 50% for needs, 30% for wants, and 20% for savings or investment. This can help you gain a clear overview of where you can cut expenses.
• Prioritize high-interest debts: Start paying those with the highest interest, like credit cards or overdrafts, to avoid growing debt.

Concrete actions you can take

Start monitoring your daily expenses. Write down everything you spend for a week and analyze where you can cut back. For example, if you spend R$ 400 a month on dining out, consider reducing it to R$ 200 and use the remaining R$ 200 to pay off debts.

Another important action is to have an emergency fund. If you don’t have one, start as soon as possible. An emergency fund of R$ 1,000 can be a good start and will help you avoid new debts in case of unforeseen expenses.

Connection with financial organization

The situation of indebtedness can be challenging, but it is also an opportunity to rethink your financial organization. ADXIS can help you practically apply the 50/30/20 method, making it easier to manage your budget and avoid falling into the cycle of default.

In times of economic uncertainty, having control over your finances is essential. Stay informed and proactive, and you will see your financial situation improve over time.