Incerteza nas expectativas para a inflação? Saiba como garantir maior estabilidade financeira

Uncertainty in inflation expectations? Learn how to ensure greater financial stability.

Consumers' uncertainty about the values that inflation will reach in the near future has been growing, as found by the European Central Bank (ECB). Given this uncertainty, find out how to ensure greater stability in your wallet.

27 Nov 20233 min

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Savings with credits and/or insurance? You've come to the right place... Credit intermediaries and insurance brokers from Poupança no Minuto can help you lower installments! Find out how. Or first understand what is expected from inflation and how to protect yourself.

ECB survey reveals consumers expect 4% inflation in the next 12 months.

Through news shared by Notícias ao Minuto regarding a monthly virtual survey conducted by the European Central Bank (ECB) with 14,000 consumers from Belgium, Germany, Spain, France, Italy, and the Netherlands, the sample's expectation is that inflation will reach 4% in the next 12 months. This contrasts with the expectations in August, which were at 3.5%.

In addition, consumers expect inflation to reach 2.5% in the next three years, a value that remains unchanged according to the August survey.

The survey also showed that consumers considered inflation in the Eurozone in September to be 8%, compared to 7.9% in August.

In homologous terms, inflation in the euro area in September corresponded to 4.3%, being the lowest in the last two years.

As for the next 12 months, the uncertainty about what is expected of inflation has increased, according to the ECB.

"Perceptions and inflation expectations were in line across all income groups, although younger individuals, between 18 and 34 years old, continue to perceive and expect lower inflation than older individuals, between 55 and 70 years old."

How to ensure financial stability in uncertainty?

Faced with the instability of the current economic situation, what can you do to ensure greater stability?

There are some savings strategies that you can implement in your routine, such as creating a monthly budget to organize and track your income versus your expenses.  

In this budget, it is always essential to allocate a portion of the earnings to savings. This will bring stability and security in case you find yourself in a financially challenging unexpected situation.

And in the case of having a housing loan associated with a variable rate, being subject to the variations, and current increases, of Euribor rates in different terms, what you can do is change the rate regime to a fixed or mixed rate. Thus, you always ensure the same monthly installment value, without being surprised by external factors. To do this, you can try to renegotiate the conditions of your loan with your bank, or transfer the loan to another banking entity.  

If you need help with this process, contact Poupança no Minuto. We have credit intermediaries available who, with a free service, analyze your case and present you with other proposals with the conditions you are looking for!

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