Public Deficit: How It Affects Your Wallet?

Public Deficit of R$ 10 Billion in August

According to G1, the public sector's accounts showed a primary deficit of R$ 10 billion in August 2026. This means that the government spent more than it earned, resulting in a deficit that affects the country's financial health.

The primary deficit occurs when government revenues fall below its expenditures. In this case, the result does not include the payment of interest on public debt. The total debt rose to 82.9% of GDP, the highest level since 2021.

Why Does This Matter?

These figures are not just cold statistics; they have a direct impact on your financial life. A growing deficit can lead to higher interest rates, as the government may be forced to offer higher rates to attract investors to finance this debt.

When the Selic rate rises, the cost of credit for you also increases. This means that if you have a loan or financing, the payments may become more expensive. The same applies to credit card usage and other debts.

Impact on Daily Finances

Imagine you earn R$ 5,000 a month and have R$ 2,000 in fixed expenses. With the rise in Selic, your car financing that used to be R$ 800 may jump to R$ 1,000, increasing your monthly expenses.

Now, see how the 50/30/20 method can help organize your finances in this scenario:

• 50% for Needs: R$ 2,500 (fixed and essential expenses)
• 30% for Wants: R$ 1,500 (leisure, travel, etc.)
• 20% for Savings and Investments: R$ 1,000

With increased expenses, you may need to adjust these percentages to ensure you can still save and invest.

What to Do Now?

The first step is to review your budget. Look for areas where you can cut back and prioritize your savings. Here are some tips:

• Analyze your expenses and eliminate non-essentials.
• Consider negotiating existing debts for lower rates.
• Create an emergency fund to protect against unforeseen events.

Connection with Financial Organization and ADXIS

In a scenario of deficit and rising public debt, keeping your finances organized is more crucial than ever. With ADXIS, you can plan your budget using the 50/30/20 method and ensure you're prepared for economic fluctuations. By understanding how government decisions impact your life, you can make more informed financial choices.