Certainly, using high school savings provides financial security which allows you to take advantage of career or educational opportunities without the stress of having to find funds at the last minute.
Furthermore, financial education is an essential skill that often does not receive due attention in the school environment.
With the growing need to prepare young people for the future, both educationally and financially, initiatives such as the “Pé-de-Meia” program for high school students are gaining prominence.
In short, this program encourages the habit of saving money, preparing teenagers for a more balanced and sustainable financial life.
“Pé-de-Meia” is a savings program aimed at high school students, promoted by state and municipal governments, which encourages young people to save while they are still in school.
The idea is simple: during high school, students have the opportunity to save part of a fixed amount they receive based on their academic performance or attendance.
This amount is saved in a savings account and, at the end of the school cycle, the student can use it to carry out their future plans, such as enrolling in a higher education or technical course or even investing in a personal project.
The premise of the program is twofold: in addition to creating a financial reserve for the future, it also encourages academic performance, as many programs link savings to academic performance.
The student, therefore, learns the importance of saving and at the same time values education as a means of achieving their goals.
Savings are one of the pillars of a healthy financial life.
For many young people, contact with this habit begins too late, resulting in financial difficulties in adult life.
“Pé-de-Meia” reverses this logic by introducing savings from an early age, creating a mentality that favors planning and financial security.
When students have the opportunity to save during their high school years, they begin to think about the future in a more concrete way.
At the end of the program, many have a considerable amount saved, which allows them to start adult life with more stability.
Whether it's to help pay for college, take a technical course, or even invest in a small business, the accumulated value can be the starting point for a more promising future.
For example, imagine a student who, over the course of three years of high school, manages to accumulate R$ 2,000.
With this amount, he could cover part of the expenses of a technical course or even invest in a tool that helps him develop a specific skill, such as a notebook to study programming or graphic design.
This amount not only gives more options, but also encourages young people to continue thinking financially strategically.
In addition to offering a financial reserve, “Pé-de-Meia” puts financial education into practice.
Many young people grow up without understanding basic concepts like interest, investments and money management.
The program not only encourages savings, but also teaches students how to manage their resources wisely.
They learn about the importance of setting aside part of what they earn, thinking long-term and avoiding unnecessary expenses.
Some schools complement the program with financial education classes, teaching young people how to calculate compound interest.
In addition, they help identify the best ways to invest and plan for short, medium and long-term goals.
These practical lessons are essential to developing financially aware and responsible citizens.
With these lessons, students become better prepared to face financial challenges in the future, avoiding common pitfalls such as excessive debt or impulsive spending.
Furthermore, understanding investment principles from an early age can encourage many to seek more profitable alternatives than just leaving money in a savings account, such as investing in fixed income or investment funds.
Today, with the help of technology, young people can count on several tools that facilitate financial control and planning of high school savings.
Apps focused on financial education and spending control have been allies in developing these habits from an early age.
Here are some examples of apps that may be useful for students participating in “Pé-de-Meia” or for any young person interested in taking better care of their money:
Mobills is one of the most popular apps for controlling personal finances.
It allows users to record their expenses, track their budget, and even set savings goals.
Available for Android and iOS, the app has good reviews for its intuitive and easy-to-use interface.
Rating: 4.5/5.
Another popular app in Brazil, Guiabolso is great for those who want to integrate their bank accounts and have a complete overview of their finances.
It helps you control expenses and better understand where your money is going.
Additionally, it offers personalized tips for saving money.
Rating: 4.3/5.
Organizze is a practical solution for those looking for convenience.
It allows you to record expenses and income, categorize spending and monitor your available balance.
Ideal for those who want to keep their finances under control without complications.
Rating: 4.7/5.
These applications like Mobiles, can be great allies for young people who want to better control their spending and ensure that their “Savings” become a real opportunity to build a more solid financial future.
By combining the learning offered by the program with the right tools, students can prepare themselves for a path of success in both their financial and educational lives.