Stable SMEs: How This Affects Your Wallet and Financial Planning

What happened with SMEs?

According to Valor Econômico, the average real revenue of small and medium-sized enterprises (SMEs) in Brazil ended the third quarter of 2026 practically stable, with a slight increase of 0.6% compared to the same period last year. This stability reflects a scenario of economic slowdown, with high interest rates and persistent inflation.

Economist Felipe Beraldi from Omie emphasizes that this situation does not indicate a crisis, but rather a loss of momentum in the economy. The job market remains strong, with unemployment at 5.3%, which helps sustain basic household consumption. However, this slowdown is a warning for everyone and can directly impact your wallet.

What does this mean for you?

For those earning a salary and paying bills, the stability of SMEs may seem distant, but it has direct implications. If the economy is slowing down, this can affect both your job and your income. When SMEs face difficulties, they may not hire new employees or even lay off workers, which can lead to an increase in unemployment in the future.

Additionally, with the Selic rate at 13.75%, the cost of credit rises. This means that if you need financing to buy a car or a house, or even for personal loans, interest rates will be higher. For example, if you want to buy a car costing R$ 50,000 and need to finance 70% of that amount, with a high-interest rate, your monthly payment can become much more expensive.

How to prepare financially?

Now that you have an idea of the economic scenario, it’s time to take action. Here are some practical tips for organizing your finances:

• Evaluate your budget: Use the 50/30/20 method to divide your income. Allocate 50% for needs, 30% for wants, and 20% for savings and investments.
• Reduce debt: If you allocate more than 28% of your monthly budget to debt repayment, start prioritizing paying them off. This frees up space in your budget for other expenses.
• Create an emergency fund: A reserve covering three to six months of your expenses can be a safe foundation in uncertain times.
• Shop around before financing: Compare interest rates among different financial institutions. A small percentage can make a big difference in your payments.

Connection with ADXIS

At ADXIS, we believe that financial organization is essential, especially in times of economic uncertainty. The 50/30/20 method can help you visualize where you can cut spending and how to prioritize your savings. Remember: having control over your finances can help you navigate periods of instability with more tranquility.