{"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\/en\/planejamento-financeiro-4-viloes\/","title":{"rendered":"4 villains of your financial planning"},"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>Financial Planning in 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;\">Financial Planning in 2021<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Do you know what financial planning is? For he is an essential tool for your life. With it, you can have a good organization of your finances, your household budget, expenses, debts, etc. And all of this is part of a planning that is responsible for your finances being well organized and your financial health being good.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>And we know that doing good financial planning and putting organization into your financial life can make all the difference in how you&#039;re going to enjoy your money. The worst thing is that it&#039;s still the beginning of the year and you&#039;re already in debt and stressed about how you&#039;re going to pay it all off, isn&#039;t it?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>So, in this article, we have gathered a series of information and tips to encourage good financial planning to escape the villains that hinder your finance organization.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Did you like it? So keep reading because we&#039;re going to help you get away from these financial planning villains and feel more relaxed about your spending and investments.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Let&#039;s go?<\/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>What is good financial planning?<\/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;\">What is good financial planning?<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>So, in a very general way, to be able to have a good financial planning you will need:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Organize your household budget;<\/li><li>Get a good sense of how your credit score is doing;<\/li><li>Know your situation in relation to debts, both settled and outstanding;<\/li><li>Write down your recurring and circumstantial, long-term and short-term expenses;<\/li><li>Anyway, carry out a good organization of your personal finances.<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>That way, it will be much easier and simpler to achieve good financial health in your life. Thus, you will live with less stress regarding your money and your expenses and expenses. And who doesn&#039;t want to live more peacefully like that, right?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>But so far, we&#039;ve only covered some of the ways to maintain your organization with good financial planning. However, for those who are curious and feel that they need to improve this aspect of their lives, keep reading, this article is for you!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Because we&#039;ve gathered some information about the top 5 villains of good financial planning. That way, you&#039;ll be able to reach your goals more easily and reduce your debts and worries!<\/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 villains of your financial planning<\/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 villains of your financial planning<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>You need to give a new direction to your financial life this year. And if you&#039;re reading this article, it&#039;s because you already know that you need to change the way you handle your personal finances, right?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>And that&#039;s why we&#039;re going to talk about the main villains of your financial planning, to help you get away from them and improve your financial health as a whole. But first, understand that you yourself can be a villain for your change of habits.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Because many people avoid financial planning for the wrong reasons, such as:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Finding it complicated;<\/li><li>Thinking that you need to be an expert to know how to organize well;<\/li><li>Believing that financial planning doesn&#039;t really make a difference;<\/li><li>See financial planning as something that only those with a lot of money need to do.<\/li><li>Thinking that only those who are in debt need to plan financially.<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>But none of that is true! So, it&#039;s time to get to work and start your financial planning. And for that, it&#039;s really good to write down which are the 5 villains that can hinder you the most in reaching your goals regarding your money.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>So keep reading and check it out below!<\/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>long installments<\/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;\">long installments<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Understand that for good financial planning, purchases in installments are great villains. And it gets even worse if they are installments in large quantities, with higher interest rates.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Because purchases in long installments always make it easier to disorganize and lose control of your finances, especially if you are not doing good financial planning.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>For example, if a person always ends up owing at the end of the month because they have several different payment installments accumulating every month. And without financial planning, you don&#039;t manage how much money goes away per month just with installments. You also have no idea of the amount you end up spending just on interest rates on long-term purchases.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Therefore, the tip is: avoid installments whenever possible, especially long-term ones with built-in interest rates. Because it may seem like a little thing, but in the long run what you will pay with interest rates alone can be a very high amount!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>So, to get around this villain of good financial planning, here are some tips:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Always try to buy in cash;<\/li><li>And use the debit option as much as you can, so as not to lose track of your expenses and exceed the amount you earn monthly;<\/li><li>But if you need to pay in installments, look for short-term options with no interest rates;<\/li><li>However, in case of extreme need for long installments, keep a check on this expense, which will become monthly.&nbsp;<\/li><li>Therefore, add the installments to your financial planning, and don&#039;t forget that you will have this expense for a certain time. Thus, it needs to balance spending in other areas.<\/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>revolving credit<\/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;\">revolving credit<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Revolving credit may seem like a good option at first, when you can&#039;t afford to pay your credit card bill. But make no mistake, he is a villain of good financial planning.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Because the revolving credit is that type of credit that the financial institution offers you as an option to pay a part of the invoice amount, and pay the rest in installments in the following invoices. And this can even give a false impression of relief and debt repayment.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>But it is just a false impression. Since depending on how many installments you divide your invoice, you may end up accumulating interest rates and creating even more debt in the long term.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>And don&#039;t forget, any remaining amount on your bill will have an interest charge on it. That is, the more installments, the greater the final amount you need to pay to the institution that provided you with the credit.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>So the debt increases and becomes a big snowball. Therefore, the ideal thing to maintain good financial planning is to avoid paying your credit card bill as much as possible!&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\">Financial planning for those already on the rotary<\/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\" >Financial planning for those already on the rotary<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>But for those who have already fallen for this villain that is the rotary, you can think of:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Always have an exact notion of how much you are paying in interest and what will be the final amount to be paid for the invoice you paid in installments;<\/li><li>Add this value to your financial planning, so that you can rebalance your finances so that you can afford these installments and interest;<\/li><li>And if you really cannot pay off the revolving loan, you must negotiate your debt with the financial institution;<\/li><li>Also, as a last resort, there is the option of analyzing a loan with interest rates lower than that of the revolving card, and making a request. Because if the loan has lower rates, it is better to pay off the revolving debt first.<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>But to avoid getting there, it is essential to maintain good financial planning. In addition, you will lose less money on interest and debt and you will still gain much more peace of mind in the end, won&#039;t you?<\/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\/en\/pagamento-minimo-do-cartao-de-credito-vale-a-pena\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Is the minimum credit card payment worth it?\">\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\/en\/pagamento-minimo-do-cartao-de-credito-vale-a-pena\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Is the minimum credit card payment worth it?\">\n            Is the minimum credit card payment worth it? 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             <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/en\/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                    Keep Reading                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                You will remain on the same website              <\/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>impulse purchases<\/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;\">impulse purchases<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>If you&#039;ve done your financial planning, it means you&#039;ve already analyzed your spending pattern, your debts and your attitudes that you need to change in 2021, right? And one of the main villains of good financial planning is the famous impulse spending.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>And this type of spending is often the main villain for ending debt and saving money. It&#039;s often those impulsive purchases online, in apps, things that we didn&#039;t really need in the end and that end up with any financial planning you&#039;ve done.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>So, if you notice this spending pattern in the previous year, it should be on your list of attitudes to be reviewed for financial planning this year. But be careful: you don&#039;t have to stop spending and deprive yourself of small pleasures, but do it consciously and in a well-managed way.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>That is, before making those impulse purchases, think carefully about the following situations:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Is the expense really necessary at the moment?<\/li><li>Can I pay for it now or in the future?<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>If the answer is no to both questions, it&#039;s time to cut that spending for good!<\/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>Debts<\/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;\">Debts<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>This is one of the most famous villains among people who don&#039;t have good financial planning up to date. Yeah, those who stop organizing can fall into debt much more easily. And not just that, as it becomes more vulnerable to risky debt and over-indebtedness.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>But to avoid the debt villain for good, you need to do your planning, set goals and change habits. First, organize your open debts, check which ones are the biggest and with the highest interest rates.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>So, try to reflect on which ones can be paid off first, and which ones can be renegotiated. Thus, you can earn longer terms or even lower interest rates.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Therefore, good financial planning also involves organizing and controlling existing debts. But also for changes in attitudes to avoid the emergence of new debts.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>So, control your superfluous expenses, try to cut expenses where you can and focus on paying off your debts. Afterwards, plan to never spend more than you earn, avoiding excessive loans and installments.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>And of course, good financial planning is what will make all the difference. But how to do it? Well, that&#039;s what we&#039;re going to explain next. So keep reading and check it out!<\/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\/en\/como-se-livrar-das-dividas-em-2021\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"How to get out of debt in 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\/en\/como-se-livrar-das-dividas-em-2021\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"How to get out of debt in 2021\">\n            How to get out of debt in 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            Understand great strategies to pay off your debts and avoid creating new ones this year!        <\/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\/en\/como-se-livrar-das-dividas-em-2021\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Keep Reading            <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            X\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\/en\/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                How to get out of debt in 2021              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/en\/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                    Keep Reading                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                You will remain on the same website              <\/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>How to have good financial planning?<\/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;\">How to have good financial planning?<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Good financial planning is the secret for you to be able to take better care of the money that comes in and out of your account every month. But how to have a good planning? So, check out our tips below!<\/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>Understand your personal finances better<\/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;\">Understand your personal finances better<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Because to be able to do good financial planning and start taking better care of money this year, you need to understand the profile of your personal finances. That is, you need to stop and think about your habits regarding your finances, such as:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Do you have many debts to pay off and still keep accumulating others?<\/li><li>But in general, do you end up spending more than you earn?<\/li><li>What about non-essential spending: do you end up losing control and spending more than you should on it?<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Thus, it will be possible to more easily devise a strategy to modify your bad attitudes, and of course, you will also be able to reinforce good attitudes. And you will also be able to meet your financial goals for this year more easily.<\/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>Look for a financial planning tool&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;\">Look for a financial planning tool\u00a0<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>For those who may experience more difficulties when making financial planning, know that there are plenty of app options and even spreadsheets to help with planning. Thus, the process of taking care of your personal finances becomes simpler.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>So, look for apps and spreadsheets that have the following characteristics:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Good interface and practical to use, without the difficulties to learn how it works;<\/li><li>Good ratings and with good comments from users about the app;<\/li><li>Also, it&#039;s interesting to be able to adapt planning to your financial reality and goals;<\/li><li>Finally, a key thing is synchronizing all the data between your devices, with your plan always available for you to manage on any device.<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>And you can choose tools that can help you with financial planning in different ways: shopping facilitators, investment managers, bank balance managers, and even ready-made spreadsheets to control the household budget.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>So, to make your life easier, we&#039;ve brought you some options. Check out good tools for your financial planning:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Organizze: works online or offline, and facilitates your financial organization as a whole;<\/li><li>IDEC: spreadsheet that facilitates your domestic budget, it is customizable;<\/li><li>My Savings: helps you work out your spending on credit cards, installment purchases, etc. It is possible to synchronize the app with your bank accounts and have control of several accounts at the same time;<\/li><li>Finance: builds a shopping list and helps you update the prices of what you intend to buy.&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>Have your financial goals<\/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;\">Have your financial goals<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Know what you intend to achieve from managing your finances. And they can be long, medium or short term goals.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>So, in summary, to have good financial goals in your planning, you can:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Control what goes in and what goes out;<\/li><li>Establish realistic priorities;<\/li><li>Think about which habits and attitudes should change;<\/li><li>And always stick to your financial goals, think about how you will feel when you get what you want so much!<\/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>Be a conscious consumer<\/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;\">Be a conscious consumer<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>That is, spend knowing what you are spending on, and if that is necessary at the moment. Because practicing conscious consumption is essential for maintaining personal finances with good financial planning. Thus, by letting go of unconscious and unnecessary consumption habits, you will be able to take better care of your money.<\/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>Plan to invest your money<\/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;\">Plan to invest your money<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Because investing is becoming easier and easier. And all you need to do is organize yourself for it, creating a financial reserve just to invest. So, attitudes that will help you start investing money&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Follow your financial planning to set aside a portion of your monthly income and thus add a good amount;<\/li><li>With this value, you can start studying which types of investment assets are more in line with your investor profile;<\/li><li>Also, you should research and compare all available digital investment platforms. So, do simulations of your investments, research the rates and types of investment assets that each brokerage offers.&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>Cut unnecessary services<\/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;\">Cut unnecessary services<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>That is, in your financial planning, make a list of all the services you have hired and pay monthly or annually. Put them all together and think if you haven&#039;t used any recently, or which one you haven&#039;t used.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Thus, you will cut unnecessary services and it will be easier to start taking better care of the money that comes out of your account.<\/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\">Now just put it into practice!<\/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\" >Now just put it into practice!<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>So we come to the end of our article with a series of tips and information for you to lose your fear of doing your financial planning. And so, you will realize that you have started to take better care of the money you have, and that you can set goals and meet those goals.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z28cI9j\">\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\/en\/como-organizar-suas-financas-passo-a-passo\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"How to organize your finances step by step\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/senhorpanda.com\/wp-content\/uploads\/2021\/03\/cdb.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\/en\/como-organizar-suas-financas-passo-a-passo\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"How to organize your finances step by step\">\n            How to organize your finances step by step        <\/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            Organizing your finances may even seem like a simple task, however, it is a very important task, since the lack of organization of this can lead to very serious problems.        <\/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\/en\/como-organizar-suas-financas-passo-a-passo\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Keep Reading            <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? 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But click on meet 4 villains that can get in your way!<\/p>","protected":false},"author":15,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[29,38],"tags":[65,105],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.7 (Yoast SEO v19.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Planejamento financeiro: 4 vil\u00f5es que te atrapalham - Senhor Panda<\/title>\n<meta name=\"description\" content=\"Planejamento financeiro \u00e9 a chave para finan\u00e7as pessoais em equil\u00edbrio. 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