{"id":19036,"date":"2021-03-17T19:41:24","date_gmt":"2021-03-17T19:41:24","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=19036"},"modified":"2021-03-17T19:41:27","modified_gmt":"2021-03-17T19:41:27","slug":"planejamento-financeiro-4-viloes","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/el\/planejamento-financeiro-4-viloes\/","title":{"rendered":"4 \u03ba\u03b1\u03ba\u03bf\u03af \u03c3\u03c4\u03bf\u03bd \u03bf\u03b9\u03ba\u03bf\u03bd\u03bf\u03bc\u03b9\u03ba\u03cc \u03c3\u03bf\u03c5 \u03c0\u03c1\u03bf\u03b3\u03c1\u03b1\u03bc\u03bc\u03b1\u03c4\u03b9\u03c3\u03bc\u03cc"},"content":{"rendered":"<!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"0-planejamento-financeiro-em-2021-\"><strong>Planejamento Financeiro em 2021<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Planejamento Financeiro em 2021\"  id=\"19060\" src=\"https:\/\/ucarecdn.com\/175546f5-ad34-401b-9507-0b6fadbe8b5d\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Planejamento Financeiro em 2021<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Voc\u00ea sabe o que \u00e9 planejamento financeiro? Pois ele \u00e9 uma ferramenta essencial para a sua vida. Com ele \u00e9 poss\u00edvel ter uma boa organiza\u00e7\u00e3o das suas finan\u00e7as, seu or\u00e7amento dom\u00e9stico, gastos, d\u00edvidas, etc. E tudo isso faz parte de um planejamento que \u00e9 respons\u00e1vel pelas suas finan\u00e7as estarem bem organizadas e sua sa\u00fade financeira estar boa.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>E sabemos que fazer um bom planejamento financeiro e colocar organiza\u00e7\u00e3o em sua vida financeira pode fazer toda a diferen\u00e7a em como voc\u00ea vai aproveitar o seu dinheiro. A pior coisa \u00e9 estar ainda no in\u00edcio do ano e j\u00e1 se encontrar cheio de d\u00edvidas e estressado sobre como vai pagar tudo isso, n\u00e3o \u00e9?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, reunimos neste artigo uma s\u00e9rie de informa\u00e7\u00f5es e dicas para incentivar um bom planejamento financeiro para fugir dos vil\u00f5es que atrapalham sua organiza\u00e7\u00e3o das finan\u00e7as.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Gostou? Ent\u00e3o continue lendo pois n\u00f3s vamos lhe ajudar a fugir desses vil\u00f5es do planejamento financeiro e a se sentir mais tranquilo com seus gastos e investimentos.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Vamos l\u00e1?<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"1-o-que-%C3%A9-um-planejamento-financeiro-bem-feito-\"><strong>O que \u00e9 um planejamento financeiro bem feito?<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"O que \u00e9 um planejamento financeiro bem feito?\"  id=\"19058\" src=\"https:\/\/ucarecdn.com\/78743859-70fd-4921-85b5-823ecc45e09f\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">O que \u00e9 um planejamento financeiro bem feito?<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, de maneira bem geral, para conseguir ter um bom planejamento financeiro voc\u00ea precisar\u00e1:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Organizar seu or\u00e7amento dom\u00e9stico;<\/li><li>Ter uma boa no\u00e7\u00e3o de como est\u00e1 seu score de cr\u00e9dito;<\/li><li>Saber a sua situa\u00e7\u00e3o em rela\u00e7\u00e3o a d\u00edvidas, tanto quitadas quanto em aberto;<\/li><li>Anotar seus gastos recorrentes e os circunstanciais, de longo prazo e curto prazo;<\/li><li>Enfim, realizar uma boa organiza\u00e7\u00e3o das suas finan\u00e7as pessoais.<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dessa forma, ser\u00e1 muito mais f\u00e1cil e simples atingir uma boa sa\u00fade financeira em sua vida. Assim, voc\u00ea vai viver com menos estresse em rela\u00e7\u00e3o ao seu dinheiro e suas despesas e gastos. E quem n\u00e3o quer viver com mais tranquilidade assim, n\u00e3o \u00e9?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mas at\u00e9 agora s\u00f3 falamos bem por cima e em aspectos gerais algumas formas de manter a sua organiza\u00e7\u00e3o com um bom planejamento financeiro. Por\u00e9m, para quem ficou curioso e sente que precisa melhorar esse aspecto na vida, continue lendo, esse artigo \u00e9 para voc\u00ea!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pois reunimos algumas informa\u00e7\u00f5es sobre os 5 principais vil\u00f5es de um bom planejamento financeiro. Dessa forma, voc\u00ea vai conseguir atingir suas metas mais facilmente e diminuir suas d\u00edvidas e preocupa\u00e7\u00f5es!<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"2-4-vil%C3%B5es-do-seu-planejamento-financeiro-\"><strong>4 \u03ba\u03b1\u03ba\u03bf\u03af \u03c3\u03c4\u03bf\u03bd \u03bf\u03b9\u03ba\u03bf\u03bd\u03bf\u03bc\u03b9\u03ba\u03cc \u03c3\u03bf\u03c5 \u03c0\u03c1\u03bf\u03b3\u03c1\u03b1\u03bc\u03bc\u03b1\u03c4\u03b9\u03c3\u03bc\u03cc<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"4 vil\u00f5es do seu planejamento financeiro\"  id=\"19057\" src=\"https:\/\/ucarecdn.com\/739e10a4-82f8-4a6c-9124-27b8ae2215d6\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">4 \u03ba\u03b1\u03ba\u03bf\u03af \u03c3\u03c4\u03bf\u03bd \u03bf\u03b9\u03ba\u03bf\u03bd\u03bf\u03bc\u03b9\u03ba\u03cc \u03c3\u03bf\u03c5 \u03c0\u03c1\u03bf\u03b3\u03c1\u03b1\u03bc\u03bc\u03b1\u03c4\u03b9\u03c3\u03bc\u03cc<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00c9 preciso dar um novo rumo para sua vida financeira neste ano. E se voc\u00ea est\u00e1 lendo este artigo \u00e9 porque j\u00e1 sabe que precisa mudar a forma como lida com suas finan\u00e7as pessoais, certo?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>E por isso vamos falar dos principais vil\u00f5es do seu planejamento financeiro, para lhe ajudar a fugir deles e melhorar sua sa\u00fade financeira como um todo. Mas antes, entenda que voc\u00ea mesmo pode ser um vil\u00e3o para a sua mudan\u00e7a de h\u00e1bitos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pois muitas pessoas evitam o planejamento financeiro por motivos errados, como:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Achar que \u00e9 complicado;<\/li><li>Pensar que \u00e9 preciso ser um especialista para saber se organizar bem;<\/li><li>Acreditar que o planejamento financeiro n\u00e3o faz diferen\u00e7a de verdade;<\/li><li>Ver o planejamento financeiro como algo que s\u00f3 quem tem muito dinheiro precisa fazer.<\/li><li>Pensar que apenas quem est\u00e1 endividado precisa se planejar financeiramente.<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mas nada disso \u00e9 verdade! Ent\u00e3o, \u00e9 hora de botar as m\u00e3os \u00e0 obra e come\u00e7ar seu planejamento financeiro. E para isso, \u00e9 muito bom anotar quais s\u00e3o os 5 vil\u00f5es que mais podem te atrapalhar a alcan\u00e7ar suas metas com rela\u00e7\u00e3o ao seu dinheiro.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, continue lendo e confira a seguir!<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"3-parcelamentos-longos-\"><strong>Parcelamentos longos<\/strong><\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Parcelamentos longos\"  id=\"19055\" src=\"https:\/\/ucarecdn.com\/f35554b2-600f-4334-8539-442b9fbe5f6c\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Parcelamentos longos<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Entenda que para um bom planejamento financeiro as compras a prazo s\u00e3o grandes vil\u00e3s. E fica ainda pior se forem parcelas em grande quantidade, com maiores taxas de juros.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pois as compras em parcelamentos longos sempre facilitam a desorganiza\u00e7\u00e3o e o descontrole de suas finan\u00e7as, principalmente se voc\u00ea j\u00e1 n\u00e3o est\u00e1 fazendo um bom planejamento financeiro.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por exemplo, se uma pessoa sempre acaba devendo ao final do m\u00eas porque tem diversas parcelas de pagamentos diferentes se acumulando todos os meses. E sem planejamento financeiro, n\u00e3o gerencia direito o quanto de dinheiro vai embora por m\u00eas apenas com parcelas. Tamb\u00e9m n\u00e3o tem ideia nem do valor que acaba gastando apenas com as taxas de juros nas compras a longo prazo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Portanto, a dica \u00e9: evite sempre que poss\u00edvel parcelamentos, principalmente os longos com taxas de juros embutidas. Pois pode at\u00e9 parecer pouca coisa, mas a longo prazo o que vai pagar s\u00f3 com as taxas de juros pode ser um valor bem alto!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, para driblar esse vil\u00e3o do bom planejamento financeiro, aqui v\u00e3o algumas dicas:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Procure comprar sempre \u00e0 vista;<\/li><li>E use o m\u00e1ximo que puder a op\u00e7\u00e3o d\u00e9bito, para n\u00e3o perder a no\u00e7\u00e3o dos seus gastos e ultrapassar o valor que ganha mensalmente;<\/li><li>Mas caso precise parcelar, procure por op\u00e7\u00f5es a curto prazo e sem taxas de juros;<\/li><li>Por\u00e9m, em caso de extrema necessidade de parcelamentos longos, mantenha um controle sobre esse gasto, que se tornar\u00e1 mensal.&nbsp;<\/li><li>Portanto, adicione as parcelas em seu planejamento financeiro, e n\u00e3o esque\u00e7a de que vai ter esse gasto por um certo tempo. Assim, precisa equilibrar os gastos em outras \u00e1reas.<\/li><\/ul>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"4-cr%C3%A9dito-rotativo-\"><strong>Cr\u00e9dito rotativo<\/strong><\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Cr\u00e9dito rotativo\"  id=\"19054\" src=\"https:\/\/ucarecdn.com\/bb84474d-2804-4f35-8bdb-5037dbb6412f\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Cr\u00e9dito rotativo<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>O cr\u00e9dito rotativo pode parecer uma boa op\u00e7\u00e3o no come\u00e7o, quando voc\u00ea n\u00e3o consegue dar conta de pagar sua fatura do cart\u00e3o de cr\u00e9dito. Mas n\u00e3o se engane, pois ele \u00e9 um vil\u00e3o do bom planejamento financeiro.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pois o rotativo \u00e9 aquele tipo de cr\u00e9dito que a institui\u00e7\u00e3o financeira lhe oferece como op\u00e7\u00e3o de pagar uma parte do valor da fatura, e parcelar o resto nas faturas seguintes. E isso pode at\u00e9 render uma falsa impress\u00e3o de al\u00edvio e de pagamento da d\u00edvida.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por\u00e9m \u00e9 apenas uma falsa impress\u00e3o mesmo. J\u00e1 que dependendo de quantas parcelas voc\u00ea for dividir a sua fatura, voc\u00ea pode acabar acumulando taxas de juros e criando ainda mais d\u00edvidas no longo prazo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>E n\u00e3o se esque\u00e7a, todo o valor restante da sua fatura ter\u00e1 uma taxa de juros sobre ele. Ou seja, quanto mais parcelas, maior vai ficando o valor final que voc\u00ea precisa pagar \u00e0 institui\u00e7\u00e3o que te forneceu o cr\u00e9dito.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Assim a d\u00edvida vai aumentando e se tornando uma grande bola de neve. Portanto, o ideal para manter um bom planejamento financeiro \u00e9 evitar ao m\u00e1ximo parcelar sua fatura do cart\u00e3o de cr\u00e9dito!&nbsp;<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"5-planejamento-financeiro-para-quem-j%C3%A1-est%C3%A1-no-rotativo\">Planejamento financeiro para quem j\u00e1 est\u00e1 no rotativo<\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Planejamento financeiro para quem j\u00e1 est\u00e1 no rotativo\"  id=\"19053\" src=\"https:\/\/ucarecdn.com\/f8ae3bed-7707-4a67-8418-3bd41f694569\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Planejamento financeiro para quem j\u00e1 est\u00e1 no rotativo<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mas para quem j\u00e1 caiu nesse vil\u00e3o que \u00e9 o rotativo, voc\u00ea poder\u00e1 pensar em:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Ter sempre uma exata no\u00e7\u00e3o de quanto voc\u00ea est\u00e1 pagando de juros e qual ser\u00e1 o valor final a ser pago pela fatura que parcelou;<\/li><li>Adicione esse valor ao seu planejamento financeiro, para que possa reequilibrar suas finan\u00e7as de modo que consiga arcar com essas parcelas e juros;<\/li><li>E em caso de realmente n\u00e3o dar conta de quitar o rotativo, voc\u00ea deve negociar a sua d\u00edvida com a institui\u00e7\u00e3o financeira;<\/li><li>Tamb\u00e9m, em \u00faltimo caso existe a op\u00e7\u00e3o de analisar um empr\u00e9stimo com taxas de juros menores do que a do rotativo do cart\u00e3o, e realizar uma solicita\u00e7\u00e3o. Pois se o empr\u00e9stimo contar com taxas menores, vale mais quitar a d\u00edvida do rotativo primeiro.<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mas para evitar chegar nisso \u00e9 essencial manter um bom planejamento financeiro. Al\u00e9m disso, voc\u00ea perder\u00e1 menos dinheiro para juros e d\u00edvidas e ainda ganha no final muito mais tranquilidade, n\u00e3o \u00e9 mesmo?<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-CkPG5\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/el\/pagamento-minimo-do-cartao-de-credito-vale-a-pena\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"\u0391\u03be\u03af\u03b6\u03b5\u03b9 \u03c4\u03bf\u03bd \u03ba\u03cc\u03c0\u03bf \u03b7 \u03b5\u03bb\u03ac\u03c7\u03b9\u03c3\u03c4\u03b7 \u03c0\u03bb\u03b7\u03c1\u03c9\u03bc\u03ae \u03bc\u03b5 \u03c0\u03b9\u03c3\u03c4\u03c9\u03c4\u03b9\u03ba\u03ae \u03ba\u03ac\u03c1\u03c4\u03b1;\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/senhorpanda.com\/wp-content\/uploads\/2021\/03\/cartoes.jpg\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/el\/pagamento-minimo-do-cartao-de-credito-vale-a-pena\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"\u0391\u03be\u03af\u03b6\u03b5\u03b9 \u03c4\u03bf\u03bd \u03ba\u03cc\u03c0\u03bf \u03b7 \u03b5\u03bb\u03ac\u03c7\u03b9\u03c3\u03c4\u03b7 \u03c0\u03bb\u03b7\u03c1\u03c9\u03bc\u03ae \u03bc\u03b5 \u03c0\u03b9\u03c3\u03c4\u03c9\u03c4\u03b9\u03ba\u03ae \u03ba\u03ac\u03c1\u03c4\u03b1;\">\n            \u0391\u03be\u03af\u03b6\u03b5\u03b9 \u03c4\u03bf\u03bd \u03ba\u03cc\u03c0\u03bf \u03b7 \u03b5\u03bb\u03ac\u03c7\u03b9\u03c3\u03c4\u03b7 \u03c0\u03bb\u03b7\u03c1\u03c9\u03bc\u03ae \u03bc\u03b5 \u03c0\u03b9\u03c3\u03c4\u03c9\u03c4\u03b9\u03ba\u03ae \u03ba\u03ac\u03c1\u03c4\u03b1;        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            Saiba mais sobre porque o pagamento m\u00ednimo da sua fatura por acabar sendo prejudicial para voc\u00ea        <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorpanda.com\/el\/pagamento-minimo-do-cartao-de-credito-vale-a-pena\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            \u03a3\u03c5\u03bd\u03ad\u03c7\u03b9\u03c3\u03b5 \u03bd\u03b1 \u03b4\u03b9\u03b1\u03b2\u03ac\u03b6\u03b5\u03b9\u03c2            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? this.visible() : ''; window.anchorReady = true; }); if (document.getElementById('landing')) { setTimeout(() => { !window.anchorReady ? this.visible() : ''; window.anchorReady = true; }, 1 * 30000); }; } connect() { this.onShowAnchor(); document.addEventListener(\"scroll\", this.boundOnShowAnchor); } disconnect() { document.removeEventListener(\"scroll\", this.boundOnShowAnchor); } visible() { if (document.getElementById('av-offerwall__wrapper')) { setTimeout(() => this.visible(), 20000); return; } if (document.getElementById('av-fixed__bottomWrapper') && document.getElementById('av-fixed__bottomWrapper').style.display !== 'none') { this.getAnchorElement().style.marginBottom = '60px'; } if (!window.km2AnchorReady) { this.active = true; \/*this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-down');*\/ \/*this.getAnchorElement().classList.add('animate-show-up');*\/ \/*setTimeout(() => {*\/ \/*this.getAnchorElement().style.animation = \"\";*\/ this.getAnchorElement().classList.add('animate-show-up'); this.getAnchorElement().classList.remove('hidden'); this.setAnchorViews(this.anchorViews+1); setTimeout(() => this.closeAnchor(), 20000); this.active = false; \/*}, 10);*\/ } } invisible() { this.active = true; this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-up'); this.getAnchorElement().classList.add('animate-show-down'); setTimeout(() => { this.getAnchorElement().style.animation = \"\"; setTimeout(() => { this.getAnchorElement().classList.add('hidden'); this.active = false; }, 800); }, 10); } onShowAnchor() { let anchorReady = false;  \/*if (!this.active && !anchorReady) { if (this.getAnchorViews() <= 3) { if (window.scrollY > this.getHeightBlock()) { if (!this.passed && !this.closed) { this.visible(); this.passed = true; } } else { if (this.passed) { this.invisible(); this.passed = false; } } } else { if (!this.getAnchorElement().classList.contains('close')) { this.getAnchorElement().classList.add('close'); if (window.scrollY < this.getHeightBlock()) { this.invisible(); } } } }*\/ } closeAnchor() { this.invisible(); this.getAnchorElement().classList.add('close'); this.closed = true; } getAnchorElement() { return this.lazyBlockAnchorTargets[0]; } getAnchorViews() { this.anchorViews = parseInt(sessionStorage.getItem(\"anchorViews\")) >= 1 ? parseInt(sessionStorage.getItem(\"anchorViews\")) : 0; return this.anchorViews; } setAnchorViews(views) { sessionStorage.setItem(\"anchorViews\", views); } getHeightBlock() { return this.lazyBlockTarget.offsetTop + this.lazyBlockTarget.offsetHeight - 110; } }) <\/script>  <div data-anchor-target=\"lazyBlockAnchor\" class=\"fixed w-full sm:w-96 px-3 py-2 bottom-0 left-0 hidden\" style=\"z-index: 999999;\" name=\"lazyBlockAnchor\">\n    <div class=\"grid justify-items-stretch\">        \n              <div class=\"relative justify-self-end top-4 -right-2\">\n          <button class=\"bg-white text-md font-medium text-center rounded-full h-7 w-7 border-2\" data-analytics-label=\"anchorCloseAnchor\" data-action=\"anchor#closeAnchor\" style=\"z-index: 999999;\">\n            \u03a7\n          <\/button>\n        <\/div>\n        <div class=\"justify-self-auto flex flex-col h-32 bg-white border-solid border-2 shadow-md rounded-md\">\n          <div class=\"flex my-0 h-full\">\n            <div class=\"w-2\/5 p-1 ml-2 mt-2 w-full\">\n              <a href=\"https:\/\/senhorpanda.com\/el\/pagamento-minimo-do-cartao-de-credito-vale-a-pena\/\"  data-analytics-label=\"anchorImage\" data-action=\"analytics#trackCTA\">          \n                <img loading=\"lazy\" alt=\"card\" class=\"w-full object-cover h-24 object-center rounded justify-self-auto border-2 border-gray-100\" src=\"https:\/\/senhorpanda.com\/wp-content\/uploads\/2021\/03\/cartoes.jpg\">          \n              <\/a>\n            <\/div>\n            <div class=\"w-3\/5 my-2\">\n              <p class=\"px-4 text-center text-xs h-1\/2\">\n                \u0391\u03be\u03af\u03b6\u03b5\u03b9 \u03c4\u03bf\u03bd \u03ba\u03cc\u03c0\u03bf \u03b7 \u03b5\u03bb\u03ac\u03c7\u03b9\u03c3\u03c4\u03b7 \u03c0\u03bb\u03b7\u03c1\u03c9\u03bc\u03ae \u03bc\u03b5 \u03c0\u03b9\u03c3\u03c4\u03c9\u03c4\u03b9\u03ba\u03ae \u03ba\u03ac\u03c1\u03c4\u03b1;              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/el\/pagamento-minimo-do-cartao-de-credito-vale-a-pena\/\"  data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    \u03a3\u03c5\u03bd\u03ad\u03c7\u03b9\u03c3\u03b5 \u03bd\u03b1 \u03b4\u03b9\u03b1\u03b2\u03ac\u03b6\u03b5\u03b9\u03c2                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                \u0398\u03b1 \u03c0\u03b1\u03c1\u03b1\u03bc\u03b5\u03af\u03bd\u03b5\u03c4\u03b5 \u03c3\u03c4\u03bf\u03bd \u03af\u03b4\u03b9\u03bf \u03b9\u03c3\u03c4\u03cc\u03c4\u03bf\u03c0\u03bf              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"6-compras-por-impulso-\"><strong>Compras por impulso<\/strong><\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Compras por impulso\"  id=\"19052\" src=\"https:\/\/ucarecdn.com\/8f6abf0e-2a65-47a5-a156-cc162046ac86\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Compras por impulso<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Se voc\u00ea fez seu planejamento financeiro, quer dizer que j\u00e1 analisou seu padr\u00e3o de gastos, suas d\u00edvidas e suas atitudes que precisa mudar em 2021, certo? E um dos principais vil\u00f5es de um bom planejamento financeiro \u00e9 o famoso gasto por impulso.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>E esse tipo de gasto muitas vezes \u00e9 o principal vil\u00e3o para o fim das d\u00edvidas e para conseguir economizar dinheiro. Muitas vezes s\u00e3o aquelas compras impulsivas online, em apps, coisas que no final nem precis\u00e1vamos realmente e que acabam com qualquer planejamento financeiro que voc\u00ea fez.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, caso perceba esse padr\u00e3o de gastos no ano anterior, ele deve entrar para a sua lista de atitudes a serem revistas para o planejamento financeiro este ano. Mas aten\u00e7\u00e3o: voc\u00ea n\u00e3o precisa deixar de gastar e se privar de pequenos prazeres, mas fa\u00e7a isso conscientemente e de forma bem gerenciada.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ou seja, antes de fazer aquelas compras por impulso, pense bem nas seguintes situa\u00e7\u00f5es:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>O gasto \u00e9 realmente necess\u00e1rio no momento?<\/li><li>Eu tenho como pagar por isso agora ou no futuro?<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Se a resposta for n\u00e3o para ambas as perguntas, \u00e9 hora de cortar esse gasto de vez!<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"7-d%C3%ADvidas-\"><strong>D\u00edvidas<\/strong><\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"D\u00edvidas\"  id=\"19051\" src=\"https:\/\/ucarecdn.com\/5e3a2932-baba-4fb5-81c3-fe27bff9d53a\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">D\u00edvidas<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Esse \u00e9 um vil\u00e3o dos mais famosos entre as pessoas que n\u00e3o est\u00e3o com um bom planejamento financeiro em dia. Pois \u00e9, quem deixa de se organizar pode cair muito mais facilmente em d\u00edvidas. E n\u00e3o apenas isso, j\u00e1 que fica mais vulner\u00e1vel \u00e0s d\u00edvidas de risco e ao superendividamento.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mas para evitar de vez o vil\u00e3o das d\u00edvidas, \u00e9 preciso fazer seu planejamento, estabeler metas e mudar h\u00e1bitos. Primeiro, organize suas d\u00edvidas em aberto, verifique quais s\u00e3o as maiores e com mais taxas de juros.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, tente refletir sobre quais delas podem ser quitadas primeiro, e quais podem ser renegociadas. Assim, voc\u00ea consegue ganhar maiores prazos ou at\u00e9 menores taxas de juros.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Portanto, um bom planejamento financeiro tamb\u00e9m passa por uma organiza\u00e7\u00e3o e controle das d\u00edvidas que j\u00e1 existem. Mas tamb\u00e9m por mudan\u00e7as de atitudes para evitar o surgimento de novas d\u00edvidas.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Assim, controle seus gastos sup\u00e9rfluos, procure cortar gastos onde puder e concentre-se em quitar suas d\u00edvidas. Posteriormente, planeje-se para nunca gastar mais do que ganha, evitando empr\u00e9stimos e parcelamentos em excesso.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>E claro, um bom planejamento financeiro \u00e9 o que far\u00e1 toda a diferen\u00e7a. Mas como fazer isso? Pois \u00e9 o que vamos explicar a seguir. Ent\u00e3o, continue lendo e confira!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z1qGFQx\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/el\/como-se-livrar-das-dividas-em-2021\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Como se livrar de d\u00edvidas em 2021\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/senhorpanda.com\/wp-content\/uploads\/2021\/03\/money-5530537_640.png\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/el\/como-se-livrar-das-dividas-em-2021\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Como se livrar de d\u00edvidas em 2021\">\n            Como se livrar de d\u00edvidas em 2021        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            Entenda \u00f3timas estrat\u00e9gias para conseguir quitar suas d\u00edvidas e evitar criar novas neste ano!        <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorpanda.com\/el\/como-se-livrar-das-dividas-em-2021\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            \u03a3\u03c5\u03bd\u03ad\u03c7\u03b9\u03c3\u03b5 \u03bd\u03b1 \u03b4\u03b9\u03b1\u03b2\u03ac\u03b6\u03b5\u03b9\u03c2            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? this.visible() : ''; window.anchorReady = true; }); if (document.getElementById('landing')) { setTimeout(() => { !window.anchorReady ? this.visible() : ''; window.anchorReady = true; }, 1 * 30000); }; } connect() { this.onShowAnchor(); document.addEventListener(\"scroll\", this.boundOnShowAnchor); } disconnect() { document.removeEventListener(\"scroll\", this.boundOnShowAnchor); } visible() { if (document.getElementById('av-offerwall__wrapper')) { setTimeout(() => this.visible(), 20000); return; } if (document.getElementById('av-fixed__bottomWrapper') && document.getElementById('av-fixed__bottomWrapper').style.display !== 'none') { this.getAnchorElement().style.marginBottom = '60px'; } if (!window.km2AnchorReady) { this.active = true; \/*this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-down');*\/ \/*this.getAnchorElement().classList.add('animate-show-up');*\/ \/*setTimeout(() => {*\/ \/*this.getAnchorElement().style.animation = \"\";*\/ this.getAnchorElement().classList.add('animate-show-up'); this.getAnchorElement().classList.remove('hidden'); this.setAnchorViews(this.anchorViews+1); setTimeout(() => this.closeAnchor(), 20000); this.active = false; \/*}, 10);*\/ } } invisible() { this.active = true; this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-up'); this.getAnchorElement().classList.add('animate-show-down'); setTimeout(() => { this.getAnchorElement().style.animation = \"\"; setTimeout(() => { this.getAnchorElement().classList.add('hidden'); this.active = false; }, 800); }, 10); } onShowAnchor() { let anchorReady = false;  \/*if (!this.active && !anchorReady) { if (this.getAnchorViews() <= 3) { if (window.scrollY > this.getHeightBlock()) { if (!this.passed && !this.closed) { this.visible(); this.passed = true; } } else { if (this.passed) { this.invisible(); this.passed = false; } } } else { if (!this.getAnchorElement().classList.contains('close')) { this.getAnchorElement().classList.add('close'); if (window.scrollY < this.getHeightBlock()) { this.invisible(); } } } }*\/ } closeAnchor() { this.invisible(); this.getAnchorElement().classList.add('close'); this.closed = true; } getAnchorElement() { return this.lazyBlockAnchorTargets[0]; } getAnchorViews() { this.anchorViews = parseInt(sessionStorage.getItem(\"anchorViews\")) >= 1 ? parseInt(sessionStorage.getItem(\"anchorViews\")) : 0; return this.anchorViews; } setAnchorViews(views) { sessionStorage.setItem(\"anchorViews\", views); } getHeightBlock() { return this.lazyBlockTarget.offsetTop + this.lazyBlockTarget.offsetHeight - 110; } }) <\/script>  <div data-anchor-target=\"lazyBlockAnchor\" class=\"fixed w-full sm:w-96 px-3 py-2 bottom-0 left-0 hidden\" style=\"z-index: 999999;\" name=\"lazyBlockAnchor\">\n    <div class=\"grid justify-items-stretch\">        \n              <div class=\"relative justify-self-end top-4 -right-2\">\n          <button class=\"bg-white text-md font-medium text-center rounded-full h-7 w-7 border-2\" data-analytics-label=\"anchorCloseAnchor\" data-action=\"anchor#closeAnchor\" style=\"z-index: 999999;\">\n            \u03a7\n          <\/button>\n        <\/div>\n        <div class=\"justify-self-auto flex flex-col h-32 bg-white border-solid border-2 shadow-md rounded-md\">\n          <div class=\"flex my-0 h-full\">\n            <div class=\"w-2\/5 p-1 ml-2 mt-2 w-full\">\n              <a href=\"https:\/\/senhorpanda.com\/el\/como-se-livrar-das-dividas-em-2021\/\"  data-analytics-label=\"anchorImage\" data-action=\"analytics#trackCTA\">          \n                <img loading=\"lazy\" alt=\"card\" class=\"w-full object-cover h-24 object-center rounded justify-self-auto border-2 border-gray-100\" src=\"https:\/\/senhorpanda.com\/wp-content\/uploads\/2021\/03\/money-5530537_640.png\">          \n              <\/a>\n            <\/div>\n            <div class=\"w-3\/5 my-2\">\n              <p class=\"px-4 text-center text-xs h-1\/2\">\n                Como se livrar de d\u00edvidas em 2021              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/el\/como-se-livrar-das-dividas-em-2021\/\"  data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    \u03a3\u03c5\u03bd\u03ad\u03c7\u03b9\u03c3\u03b5 \u03bd\u03b1 \u03b4\u03b9\u03b1\u03b2\u03ac\u03b6\u03b5\u03b9\u03c2                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                \u0398\u03b1 \u03c0\u03b1\u03c1\u03b1\u03bc\u03b5\u03af\u03bd\u03b5\u03c4\u03b5 \u03c3\u03c4\u03bf\u03bd \u03af\u03b4\u03b9\u03bf \u03b9\u03c3\u03c4\u03cc\u03c4\u03bf\u03c0\u03bf              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"8-como-ter-um-bom-planejamento-financeiro-\"><strong>Como ter um bom planejamento financeiro?<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Como ter um bom planejamento financeiro?\"  id=\"19049\" src=\"https:\/\/ucarecdn.com\/a30277e3-f9e6-48e0-a2a1-790155b87804\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Como ter um bom planejamento financeiro?<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Um bom planejamento financeiro \u00e9 o segredo para que voc\u00ea consiga cuidar melhor do dinheiro que entra e sai da sua conta todos os meses. Mas como ter um bom planejamento? Ent\u00e3o, confira nossas dicas a seguir!<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"9-entenda-melhor-suas-finan%C3%A7as-pessoais-\"><strong>Entenda melhor suas finan\u00e7as pessoais<\/strong><\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Entenda melhor suas finan\u00e7as pessoais\"  id=\"19048\" src=\"https:\/\/ucarecdn.com\/bdcc2f2a-821f-416b-9230-0cc0935bd439\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Entenda melhor suas finan\u00e7as pessoais<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pois para conseguir fazer um bom planejamento financeiro e come\u00e7ar a cuidar melhor do dinheiro este ano, voc\u00ea precisa entender qual \u00e9 o perfil de suas finan\u00e7as pessoais. Ou seja, voc\u00ea precisa parar e pensar sobre seus h\u00e1bitos em rela\u00e7\u00e3o \u00e0s suas finan\u00e7as, como:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Voc\u00ea tem muitas d\u00edvidas a quitar e mesmo assim continua acumulando outras?<\/li><li>Mas em geral, acaba gastando mais do que recebe?<\/li><li>E em rela\u00e7\u00e3o aos gastos que n\u00e3o s\u00e3o essenciais: voc\u00ea acaba perdendo o controle e gastando mais do que deveria com isso?<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Assim, ser\u00e1 poss\u00edvel tra\u00e7ar mais facilmente uma estrat\u00e9gia para modificar suas atitudes ruins, e claro, tamb\u00e9m poder\u00e1 refor\u00e7ar boas atitudes. E tamb\u00e9m conseguir\u00e1 cumprir suas metas financeiras para esse ano com mais facilidade.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"10-procure-uma-ferramenta-de-planejamento-financeiro-\"><strong>Procure uma ferramenta de planejamento financeiro&nbsp;<\/strong><\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Procure uma ferramenta de planejamento financeiro\u00a0\"  id=\"19047\" src=\"https:\/\/ucarecdn.com\/4a68d1b2-6639-4cfa-955c-b95d4c6a26e0\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Procure uma ferramenta de planejamento financeiro\u00a0<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Para quem talvez sinta mais dificuldades na hora de fazer um planejamento financeiro, saiba que existem bastante op\u00e7\u00f5es de aplicativos e mesmo planilhas para ajudar no planejamento. Assim, o processo de cuidar das suas finan\u00e7as pessoais fica mais simples.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, procure por apps e planilhas que tenham as seguintes caracter\u00edsticas:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Boa interface e pr\u00e1ticos de utilizar, sem a dificuldades para aprender como funciona;<\/li><li>Boas avalia\u00e7\u00f5es e com bons coment\u00e1rios dos usu\u00e1rios sobre o app;<\/li><li>Al\u00e9m disso, \u00e9 interessante poder adaptar o planejamento \u00e0 sua realidade financeira e metas;<\/li><li>Finalmente, algo essencial \u00e9 sincronizar todos os dados entre os seus dispositivos, com o seu planejamento sempre dispon\u00edvel para voc\u00ea gerenciar em qualquer aparelho.<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>E voc\u00ea pode escolher ferramentas que podem te ajudar no planejamento financeiro de diferentes formas: facilitadores de compras, gerenciadores de investimentos, de saldo banc\u00e1rio, e at\u00e9 com planilhas prontas de controle do or\u00e7amento dom\u00e9stico.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Portanto, para facilitar sua vida trouxemos algumas op\u00e7\u00f5es. Confira boas ferramentas para seu planejamento financeiro:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Organizze: funciona online ou offline, e facilita a sua organiza\u00e7\u00e3o financeira como um todo;<\/li><li>IDEC: planilha que facilita o seu or\u00e7amento dom\u00e9stico, \u00e9 personaliz\u00e1vel;<\/li><li>Minhas Economias: lhe ajuda a elaborar seus gastos em cart\u00f5es de cr\u00e9dito, compras \u00e0 prazo, etc. \u00c9 poss\u00edvel sincronizar o app com suas contas banc\u00e1rias e ter controle de v\u00e1rias contas ao mesmo tempo;<\/li><li>Finance: monta lista de compras e te ajuda a atualizar os pre\u00e7os do que voc\u00ea pretende adquirir.&nbsp;<\/li><\/ul>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"11-tenha-suas-metas-financeiras-\"><strong>Tenha suas metas financeiras<\/strong><\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Tenha suas metas financeiras\"  id=\"19046\" src=\"https:\/\/ucarecdn.com\/f76b6ff5-182b-4b3b-a95b-05ed720a72a0\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Tenha suas metas financeiras<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Saiba o que voc\u00ea pretende alcan\u00e7ar a partir da administra\u00e7\u00e3o das suas finan\u00e7as. E podem ser metas de longo, m\u00e9dio ou curto prazo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, de maneira resumida, para ter boas metas financeiras no seu planejamento, voc\u00ea pode:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Controlar o que entra e do que sai;<\/li><li>Estabelecer prioridades realistas;<\/li><li>Pensar em quais h\u00e1bitos e atitudes devem mudar;<\/li><li>E mantenha-se sempre firme \u00e0s suas metas financeiras, pense em como vai sentir quando conseguir aquilo que tanto deseja!<\/li><\/ul>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"12-seja-um-consumidor-consciente-\"><strong>Seja um consumidor consciente<\/strong><\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Seja um consumidor consciente\"  id=\"19045\" src=\"https:\/\/ucarecdn.com\/e6a61f59-0a10-4b75-8b14-1d47b4b996e6\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Seja um consumidor consciente<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ou seja, gaste sabendo no que est\u00e1 gastando, e se aquilo \u00e9 necess\u00e1rio no momento. Pois praticar consumo consciente \u00e9 algo essencial para a manuten\u00e7\u00e3o de finan\u00e7as pessoais com um bom planejamento financeiro. Assim, ao despegar de h\u00e1bitos de consumo inconscientes e desnecess\u00e1rios voc\u00ea conseguir\u00e1 cuidar melhor do seu dinheiro.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"13-planeje-investir-seu-dinheiro-\"><strong>Planeje investir seu dinheiro<\/strong><\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Planeje investir seu dinheiro\"  id=\"19044\" src=\"https:\/\/ucarecdn.com\/9d510f9b-facc-46ae-a7b4-726c59bd8973\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Planeje investir seu dinheiro<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pois investir est\u00e1 se tornando cada vez mais f\u00e1cil. E tudo o que voc\u00ea precisa fazer \u00e9 se organizar para isso, criando uma reserva financeira apenas para colocar nos investimentos. Portanto, atitudes que v\u00e3o te ajudar a come\u00e7ar a investir dinheiro&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Siga seu planejamento financeiro para reservar uma parte de sua renda mensalmente e assim juntar um valor bom;<\/li><li>Com esse valor, voc\u00ea pode come\u00e7ar a estudar quais tipos de ativos de investimentos tem mais a ver com o seu perfil de investidor;<\/li><li>Al\u00e9m disso, voc\u00ea deve pesquisar e comparar todas as plataformas digitais de investimentos dispon\u00edveis. Ent\u00e3o, fa\u00e7a simula\u00e7\u00f5es dos seus investimentos, pesquise as taxas e os tipos de ativos de investimentos que cada corretora oferece.&nbsp;<\/li><\/ul>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"14-corte-servi%C3%A7os-desnecess%C3%A1rios-\"><strong>Corte servi\u00e7os desnecess\u00e1rios<\/strong><\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Corte servi\u00e7os desnecess\u00e1rios\"  id=\"19043\" src=\"https:\/\/ucarecdn.com\/64512a2a-7c2b-4fac-93e4-7a83b20e8ea4\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Corte servi\u00e7os desnecess\u00e1rios<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ou seja, em seu planejamento financeiro fa\u00e7a uma lista com todos os servi\u00e7os que voc\u00ea contratou e que paga mensalmente, ou anualmente. Junte todos e pense se voc\u00ea n\u00e3o usou nenhum recentemente, ou qual deles voc\u00ea nunca usou.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Assim, voc\u00ea vai cortar os servi\u00e7os desnecess\u00e1rios e ficar\u00e1 mais f\u00e1cil come\u00e7ar a cuidar melhor do dinheiro que sai da sua conta.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"15-agora-%C3%A9-s%C3%B3-colocar-em-pr%C3%A1tica\">Agora \u00e9 s\u00f3 colocar em pr\u00e1tica!<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Agora \u00e9 s\u00f3 colocar em pr\u00e1tica!\"  id=\"19042\" src=\"https:\/\/ucarecdn.com\/45a684f6-8024-4a21-b8a8-54eb769c1be5\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Agora \u00e9 s\u00f3 colocar em pr\u00e1tica!<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pois assim chegamos ao fim de nosso artigo com uma s\u00e9rie de dicas e informa\u00e7\u00f5es para que voc\u00ea perca o seu medo de fazer seu planejamento financeiro. 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