https://tobbofin.com/en/blog/ Practical guides on budgeting, couples and money, emergency funds, Open Finance Brasil and using AI for your finances safely. en Sat, 10 Oct 2026 12:00:00 GMT https://tobbofin.com/en/blog/using-ai-for-personal-finance-safely/ https://tobbofin.com/en/blog/using-ai-for-personal-finance-safely/ Sat, 10 Oct 2026 12:00:00 GMT Security and scams Tobbo Team Learn how to use AI to organize your finances safely, what never to share with a chatbot and how to double-check the numbers AI calculates for you. You can use AI to categorize spending, summarize card statements and build budgets safely if you never share passwords, verification codes, full card numbers or CVV codes, prefer tools with read-only access through Open Finance Brasil, double-check the numbers AI calculates and know your rights under the LGPD, Brazil's data protection law. https://tobbofin.com/en/blog/can-i-afford-it/ https://tobbofin.com/en/blog/can-i-afford-it/ Sat, 10 Oct 2026 12:00:00 GMT Budgeting Tobbo Team Learn how to tell if you can afford something before you swipe your card, with a monthly free-money calculation, a five-question test and examples in reais. To know whether you can afford something, subtract from this month's income your fixed bills, existing installments, your credit card statement and what goes to goals and savings. What remains is your free money. If the purchase fits in that amount without a new installment plan and without touching your emergency fund, you can afford it. https://tobbofin.com/en/blog/emergency-fund-how-much/ https://tobbofin.com/en/blog/emergency-fund-how-much/ Sat, 10 Oct 2026 12:00:00 GMT Emergency fund Tobbo Team Find out how much emergency fund you need based on your living costs, with examples in reais for employees, freelancers and couples, plus a plan to get there. The most common reference is to save 3 to 6 months of your monthly living expenses, not your salary, if you have a stable job with a formal employment contract. Freelancers and people with variable income usually need 6 to 12 months. The money should sit in a low-risk investment you can withdraw from any business day. https://tobbofin.com/en/blog/how-couples-split-bills/ https://tobbofin.com/en/blog/how-couples-split-bills/ Sat, 10 Oct 2026 12:00:00 GMT Couples and money Tobbo Team See how couples can split bills fairly, compare 50/50, proportional to income and a shared pot, and run the numbers with examples in Brazilian reais. A fair way for couples with different incomes to split bills is a proportional split. Each person pays shared expenses in the same proportion as their take-home pay. If one partner earns 60% of the household income, they cover 60% of household costs, and both keep a proportional amount for personal spending. https://tobbofin.com/en/blog/how-to-track-expenses/ https://tobbofin.com/en/blog/how-to-track-expenses/ Sat, 10 Oct 2026 12:00:00 GMT Budgeting Tobbo Team Learn how to track expenses with a simple 7-step method, real examples in reais and a 15-minute weekly routine that fits real life in Brazil. To track expenses, record every payment for one month, group it into categories, compare the total with your take-home pay, set a limit for each category and review it once a week. The goal is not to cut everything, but to know where your money goes before it leaves, with a short and steady routine. https://tobbofin.com/en/blog/is-open-finance-safe/ https://tobbofin.com/en/blog/is-open-finance-safe/ Sat, 10 Oct 2026 12:00:00 GMT Open Finance Tobbo Team Is Open Finance Brasil safe? See its layers of protection, the real risks, how to spot fake consent screens and a checklist for connecting your account calmly. Open Finance Brasil is safe by design, because it requires consent inside your own bank's app, never passes on your password, limits data and time, and only admits institutions authorized by the Central Bank. No system is risk-free, though, and the main danger is scams that imitate authorization screens to steal passwords or trick you into payments. https://tobbofin.com/en/blog/50-30-20-budget-rule/ https://tobbofin.com/en/blog/50-30-20-budget-rule/ Sat, 10 Oct 2026 12:00:00 GMT Budgeting Tobbo Team Understand the 50/30/20 rule, see how to apply it to take-home pay with examples in reais, and learn how to adapt it when fixed costs go over 50%. The 50/30/20 rule splits your take-home pay into three parts, with 50% for needs such as housing, groceries and transportation, 30% for wants such as leisure and shopping, and 20% for savings, investments or paying off debt. It is a simple starting point that you can adjust when living costs or debts weigh more. https://tobbofin.com/en/blog/what-is-open-finance-brazil/ https://tobbofin.com/en/blog/what-is-open-finance-brazil/ Sat, 10 Oct 2026 12:00:00 GMT Open Finance Tobbo Team Understand what Open Finance Brazil is, how consent-based data sharing works, what it changes for you and how to use it safely in your everyday finances. Open Finance Brasil is the system regulated by Brazil's Central Bank that lets you share your financial data between authorized institutions, always with your consent and a defined purpose and time limit. With it, an app can read accounts, cards and investments from several banks without ever receiving your password, and you can cancel access whenever you want.