A survey conducted by the Credit Protection Service (SPC Brazil) and the National Confederation of Shopkeepers (Cndl) sought to identify the consumerist behaviors of Brazilians according to their habits related to the use and the economy of money. The results considered in the survey were based on the interviewees who agreed or disagree with the statements presented, and the data show that one third (33%) of these consumers purchase without need motivated by promotions, especially Between classes C, D and E (35%), among women (38%) and people aged 18 to 34 years (42%). Another finding shows that 22% claim to have this behavior most of the time.

Still with regard to consumerist practices, 42% of consumers who answered the question often buy installments to buy everything they want, while four out of ten (40%) do not seek alternative means to save on departures or ballads, As meetings at home or in the House of Friends.

The financial educator of SPC Brasil and the portal Meu Pocket Feliz, José Vignoli, says that, mainly due to the recession, it is necessary to administer the personal budget with caution. "We are at the beginning of the year and, to all indications, we will still have difficulties in 2017. Therefore, it is important to control the consumption impulses and avoid places and tempting situations that favor unnecessary purchases, "he says.

Most respondents say they adopt some collaborative consumption practice to save

Although a considerable part of the interviewees admitted having consumerist attitudes, the study indicates that most consumers say they adopt collaborative or conscious practices with the aim of saving. Eight out of ten (78%) do at home services that could be contracted outside, such as cinema, snacks, manicure and pet shop, 74% use collective transportation or rides (mainly women, 80%, and classes C, D and E, 78%), and 51% go to places on foot or by bike To save on transport (especially between classes C, D and E, 55%).

According to the chief economist of SPC Brazil, Marcela Kawauti, the bad moment of the economy stimulates these attitudes, which are strategies capable of making the budget more income. "Giving up the convenience of hiring an out-of-home service, or spending on a superfluous item, may be the difference between balance and financial imbalance. It is important for the consumer to distinguish between what is need and what is desire, and in that second case, it is clear how much he can spend, "he says.

José Vignoli says that the adoption of collaborative consumption practices can contribute to the good of all. "Individual attitudes can, yes, make a difference. In large urban centers, for example, the use of means of collective or alternative transport makes all the difference ", concludes.

Methodology

The research sought to investigate the ways of using Brazilian financial resources in daily life, considering habits related to consumption and money saving. We interviewed 606 consumers over 18 years of age, of both genders and of all social classes in the 27 capitals. The general margin of error is 4.0 percentage points for a confidence interval of 95%.