Since 2010, thousands of clients… And a truth that always repeats

Since 2010, I have had the privilege of guiding thousands of people through important financial decisions. Buying a home, credit transfer, and reorganizing financial life. Decisions that shape each of our lives.

And, over time, I began to realize something that I no longer have any doubts about: 💭 Financial problems rarely lie in the money itself, but in how we think, decide, and act.

I've seen people with very good incomes completely under pressure. And others, with so-called normal incomes, living with a serenity that cannot be explained by numbers alone.

And it was by observing these two scenarios, so different from each other, that I realized that most people tend to look at money in isolation:

• credit
• expenses
• income

But, in practice, it doesn't work that way; financial life is an interconnected system. And this system, for me, is based on five pillars:

1. income
2. expenses
3. credit
4. savings/investment
5. behavior

When these pillars are balanced, life flows and moves forward. When they are not... the pressure begins to be felt.

The most common mistake I see every day is that when something goes wrong, most people try to solve it in the same way:

• cut more
• delay more
• try to adjust what's already at the limit

But since 2010, I've found that the solution is not always where the problem is. I'll give a simple but very real example: maybe you've been through it, or you know someone in that situation.

Imagine someone with a high effort rate, expenses already controlled, and a lifestyle adjusted to the limit. In this scenario, most people will continue to try to cut, but the reality is that there's no more room. And this is where many get stuck for years.

The solution, in this case, is not in the expenses, but in the income at the end of the month.

And for that, it's necessary to assume something simple but demanding:

• seek new opportunities
• do more (temporarily)
• develop new skills
• step out of the comfort zone

And here comes something that is part of who I am and how I see life:

«Who changes, God helps.»

Not in a passive sense. But in the sense that those who act, who take risks, who decide, are paving the way for things to happen.

The truth is, no one solves their financial life by looking at just one isolated problem.

Credit

If credit takes up a large portion of your expenses at the end of the month and you've already tried to renegotiate more favorable conditions, then you have to accept that the solution involves earning more, and this may imply:

• extra hours
• a second income
• changing jobs
• or even changing professions

Of course, it's uncomfortable. But at the same time, it's liberating.

Uncontrolled Expenses

Here you need to understand that the problem is not really in the income you earn, but in your behavior:

• impulse buying
• lack of control
• emotional decisions

And, believe me, this is not solved by earning more money. It's solved by gaining more awareness in the small actions of your day-to-day life.

Lack of Savings

If everything that comes into your wallet goes out, then you have no margin for unforeseen events, no security in moments when things don't go as planned, nor the freedom to make certain decisions in your life. Does it make sense to you?

Then know that to change this scenario, you need to start today by implementing small habits, such as:

• Record everything: first, record all sources of income and all expenses and payments throughout the month. No exceptions. Only then will you have a real view.

• Classify expenses: then, divide everything into three categories:

  • Primary (essential): rent/monthly payment, food, water, electricity, transport (Negotiate)
  • Secondary: subscriptions, occasional restaurants, small extras (If they make you happy, keep them)
  • Superfluous: impulse purchases, expenses that don't add real value (Eliminate them progressively)

• Set a savings rule: e.g., automatically set aside 5% to 10% of your income as soon as you receive it.

• Create an emergency fund: goal: between 3 and 6 months of your monthly expenses. This is what gives you true security and decision-making capacity.

• Control consumption decisions: simple rule: wait 24 hours before non-essential purchases.

Stagnation

This is the most silent and the most dangerous. If income does not match ambition, then:

• seek to evolve professionally
• change context
• create new opportunities

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After these four scenarios, I hope you can understand that a large part of financial problems stems from our mindset: fear of change, fear of taking risks, and above all, fear of failure.

Many people who have experienced one or more of these situations have already come to CrediSegur. But it was the moment they decided to talk to us that they truly began to take a step forward to get out of that financial squeeze.

Since 2010, we have helped 4,328 families save on credits and insurance. On average, each client ends up paying about 784.89 € less per year. (Data reported as of December 31, 2025.)

Remember: we are the ones who have the power to change! First, you must have the courage to do it, and second, the competence to choose the right steps to take. Count on us in that phase.

Believe me: those who gain control over money gain control over life.

Ricardo Ferreira