{"id":61997,"date":"2022-06-15T23:00:00","date_gmt":"2022-06-15T23:00:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=61997"},"modified":"2022-06-17T00:21:45","modified_gmt":"2022-06-17T00:21:45","slug":"guarda-dinheiro-por-mes","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/fr\/guarda-dinheiro-por-mes\/","title":{"rendered":"\u00c9conomisez de l&#039;argent par mois : d\u00e9couvrez comment faire !"},"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>Veja como voc\u00ea consegue alcan\u00e7ar sua independ\u00eancia financeira!<\/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=\"Veja como voc\u00ea consegue come\u00e7ar a poupar! Fonte: Unsplash.\"  id=\"62052\" src=\"https:\/\/cdn.adtechpanda.com\/5f4513c8-12a8-4bfb-b0c9-0e4cf3c98a05\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Veja como voc\u00ea consegue come\u00e7ar a poupar! Fonte: Unsplash.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Todos n\u00f3s sabemos da import\u00e2ncia de poupar dinheiro, mas poucos conseguem efetivamente poupar todo m\u00eas. Isso acontece porque guardar dinheiro por m\u00eas pode ser um grande desafio quando n\u00e3o temos o h\u00e1bito de poupar.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mas, mesmo sendo dif\u00edcil, \u00e9 fundamental realizar essa pr\u00e1tica. A partir dela, voc\u00ea conseguir\u00e1 garantir uma renda no futuro para poder cobrir despesas ou servir de reserva de emerg\u00eancia.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-ZBQ5DV\">\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\/fr\/vale-a-pena-abrir-uma-poupanca\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Vaut-il la peine d&#039;ouvrir un compte d&#039;\u00e9pargne ?\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/4a4cd8a0-8540-4677-8f49-079a94cd0f0a\/\" 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\/fr\/vale-a-pena-abrir-uma-poupanca\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Vaut-il la peine d&#039;ouvrir un compte d&#039;\u00e9pargne ?\">\n            Vaut-il la peine d&#039;ouvrir un compte d&#039;\u00e9pargne ?        <\/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            Veja se esta \u00e9 a op\u00e7\u00e3o ideal para voc\u00ea come\u00e7ar a guardar dinheiro.\n        <\/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\/fr\/vale-a-pena-abrir-uma-poupanca\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Continue de lire            <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\/fr\/vale-a-pena-abrir-uma-poupanca\/\"  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:\/\/cdn.adtechpanda.com\/4a4cd8a0-8540-4677-8f49-079a94cd0f0a\/\">          \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                Vaut-il la peine d&#039;ouvrir un compte d&#039;\u00e9pargne ?              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/fr\/vale-a-pena-abrir-uma-poupanca\/\"  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                    Continue de lire                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Vous resterez sur le m\u00eame site              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sendo assim, para come\u00e7ar a guardar dinheiro todo m\u00eas, \u00e9 preciso se planejar muito bem. Mas, al\u00e9m disso, tamb\u00e9m \u00e9 fundamental que voc\u00ea coloque a sua poupan\u00e7a como prioridade na sua vida financeira.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dessa forma, ficar\u00e1 mais f\u00e1cil conseguir poupar todo m\u00eas. No post a seguir, voc\u00ea confere mais dicas para conseguir guardar dinheiro todo m\u00eas!&nbsp;<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-JcjWQ\">\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\/fr\/5-dicas-para-iniciar-seu-controle-financeiro\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Dicas para ter controle financeiro\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/9e193282-d35d-445e-8c75-07cb7f0d2205\/\" 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\/fr\/5-dicas-para-iniciar-seu-controle-financeiro\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Dicas para ter controle financeiro\">\n            Dicas para ter controle financeiro        <\/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            Confira 5 dicas imperd\u00edveis para aprender a manter suas finan\u00e7as est\u00e1veis!\n        <\/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\/fr\/5-dicas-para-iniciar-seu-controle-financeiro\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Continue de lire            <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\/fr\/5-dicas-para-iniciar-seu-controle-financeiro\/\"  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:\/\/cdn.adtechpanda.com\/9e193282-d35d-445e-8c75-07cb7f0d2205\/\">          \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                Dicas para ter controle financeiro              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/fr\/5-dicas-para-iniciar-seu-controle-financeiro\/\"  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                    Continue de lire                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Vous resterez sur le m\u00eame site              <\/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>Quanto dinheiro eu deveria guardar por m\u00eas?<\/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=\"Descubra a quantia ideal para voc\u00ea come\u00e7ar a poupar! Fonte: Unsplash.\"  id=\"62054\" src=\"https:\/\/cdn.adtechpanda.com\/08db2a61-7ee6-48d5-a5e2-8636cdd1965f\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Descubra a quantia ideal para voc\u00ea come\u00e7ar a poupar! Fonte: Unsplash.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Muitos brasileiros desejam poupar uma quantia de dinheiro por m\u00eas. Dessa forma, eles podem ter uma reserva ou conseguir comprar um produto \u00e0 vista. Para isso, \u00e9 necess\u00e1rio que voc\u00ea comece a definir um valor mensal para poupar.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mas, na hora de definir esse valor, muitas pessoas podem ficar confusas. Afinal de contas, quanto seria o ideal para guardar dinheiro por m\u00eas?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Para responder essa pergunta, \u00e9 necess\u00e1rio que voc\u00ea conhe\u00e7a muito bem a sua realidade financeira. Dessa forma, voc\u00ea conseguir\u00e1 definir um valor que consegue guardar todo m\u00eas.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Para definir esse valor, muitos especialistas sugerem que o ideal \u00e9 que o valor a ser poupado seja igual a 10% do seu sal\u00e1rio. Sendo assim, uma pessoa que recebe R$1.000,00 por m\u00eas, dever\u00e1 poupar a quantia de R$100,00.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>No entanto, \u00e9 importante lembrar que este valor \u00e9 apenas uma sugest\u00e3o. Cabe a voc\u00ea analisar a sua vida financeira para definir se \u00e9 poss\u00edvel guardar esse valor, ou se ser\u00e1 necess\u00e1rio poupar menos ou mais.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-vgl0o\">\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\/fr\/perfil-financeiro-voce-conhece-o-seu\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Conhe\u00e7a seu perfil financeiro!\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/9c2198ac-2c78-4108-86f6-8eedd9021ab5\/\" 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\/fr\/perfil-financeiro-voce-conhece-o-seu\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Conhe\u00e7a seu perfil financeiro!\">\n            Conhe\u00e7a seu perfil financeiro!        <\/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 melhor a forma que voc\u00ea se relaciona com as suas finan\u00e7as!\n        <\/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\/fr\/perfil-financeiro-voce-conhece-o-seu\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Continue de lire            <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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Mas, para conseguir poupar todos os meses, ser\u00e1 necess\u00e1rio fazer reajustes na sua vida financeira.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Para isso, separamos a seguir algumas boas pr\u00e1ticas que voc\u00ea pode implementar nas suas finan\u00e7as pessoais para poder guardar dinheiro todo m\u00eas!<\/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>Analise seus gastos mensais<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>O primeiro passo para conseguir poupar \u00e9 saber para onde o seu dinheiro est\u00e1 indo. Isso pode ser feito ao analisar os seus gastos mensais, observando quais s\u00e3o seus gastos fixos e vari\u00e1veis.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Para isso, voc\u00ea pode come\u00e7ar a anotar em uma planilha ou caderno todos os seus gastos fixos, como luz, \u00e1gua e aluguel.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>No mesmo local, voc\u00ea pode anotar seus gastos vari\u00e1veis, como aqueles feitos no cart\u00e3o de cr\u00e9dito. Voc\u00ea pode acess\u00e1-los consultando seu extrato banc\u00e1rio ou analisando as suas faturas. Ao fazer isso, voc\u00ea ter\u00e1 uma no\u00e7\u00e3o melhor de como voc\u00ea est\u00e1 usando 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>Fa\u00e7a alguns cortes<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ap\u00f3s ter analisado os seus gastos, voc\u00ea com certeza encontrou algumas despesas que poderiam ser cortadas. Itens como delivery, assinaturas ou at\u00e9 um produto comprado no impulso, podem ser itens a serem cortados das suas finan\u00e7as.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dessa forma, \u00e9 interessante voc\u00ea olhar para os seus gastos e ver a possibilidade de cortar aqueles que s\u00e3o mais sup\u00e9rfluos. Assim, voc\u00ea poder\u00e1 disponibilizar uma quantia maior do seu sal\u00e1rio para poupar.<\/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>Tenha um objetivo claro<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Muitas pessoas j\u00e1 tentaram poupar dinheiro todo m\u00eas, mas acabaram falhando e usando o valor para suas despesas. Geralmente, isso acontece quando n\u00e3o temos um objetivo claro do porqu\u00ea estamos poupando todo m\u00eas.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ter um objetivo nos mant\u00e9m motivados para guardar dinheiro por m\u00eas. Ao saber como esse dinheiro ser\u00e1 utilizado no futuro, conseguimos ficar mais animados para poupar e conseguimos cortar gastos 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>Pague suas contas sempre em dia<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Toda vez que atrasamos o pagamento de uma conta, ela acaba contraindo juros que, geralmente, s\u00e3o adicionados a cada dia que o atraso continua. Isso \u00e9 algo muito perigoso para as suas finan\u00e7as pessoais, podendo virar uma grande bola de neve.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Para evitar isso, o ideal \u00e9 sempre pagar as suas contas em dia para que elas n\u00e3o tenham juros altos depois. Voc\u00ea pode colocar um lembrete no seu celular para nunca esquecer do prazo.<\/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>Busque ofertas e promo\u00e7\u00f5es<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mesmo que voc\u00ea tenha cortado alguns gastos, voc\u00ea ainda precisar\u00e1 comprar alguns itens no futuro. Mas, para n\u00e3o gastar muito, voc\u00ea pode buscar aproveitar as promo\u00e7\u00f5es e descontos que as lojas oferecem!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dessa forma, voc\u00ea conseguir\u00e1 economizar nas suas compras e n\u00e3o comprometer o dinheiro que deve ser guardado.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Para isso, voc\u00ea pode buscar cupons de desconto em sites especializados, como o Cuponomia. E voc\u00ea pode usar comparadores de pre\u00e7o para comprar a op\u00e7\u00e3o mais barata.<\/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>Como juntar R$1.000,00 reais por m\u00eas?<\/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=\"Veja como \u00e9 poss\u00edvel se planejar para guardar uma quantia maior. Fonte: Pexels.\"  id=\"62058\" src=\"https:\/\/cdn.adtechpanda.com\/cca94e49-80a1-413a-9553-f851c23b23e4\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Veja como \u00e9 poss\u00edvel se planejar para guardar uma quantia maior. Fonte: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Na hora de guardar dinheiro por m\u00eas, muitas pessoas querem guardar uma quantia alta. Isso \u00e9 algo totalmente poss\u00edvel, mas \u00e9 necess\u00e1rio se planejar para conseguir poupar um valor maior.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Para quem deseja poupar R$1.000,00, \u00e9 interessante analisar seus gastos e ver as despesas que podem ser cortadas. Al\u00e9m disso, \u00e9 fundamental manter um certo controle das suas finan\u00e7as e evitar ao m\u00e1ximo comprar por impulso.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dessa forma, \u00e9 interessante que voc\u00ea sempre pense melhor antes de adquirir um produto ou servi\u00e7o. Verifique se ele \u00e9 uma grande necessidade ou mais um gasto superficial.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>E para conseguir guardar essa quantia, \u00e9 interessante ter um objetivo claro em mente. Como falado anteriormente, isso pode ajudar voc\u00ea a se manter na linha e ficar motivado para guardar dinheiro por m\u00eas.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mas, caso a sua renda mensal n\u00e3o permita que voc\u00ea guarde R$1.000,00, voc\u00ea pode come\u00e7ar a fazer algum trabalho a mais para ganhar uma renda extra.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Para isso, voc\u00ea pode trabalhar como freelancer, respondendo pesquisas online ou at\u00e9 mesmo vendendo produtos que voc\u00ea n\u00e3o usa.&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<h2>Por que \u00e9 importante guardar dinheiro por m\u00eas?<\/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=\"Descubra o que a poupan\u00e7a pode proporcionar para voc\u00ea. Fonte: Pexels.\"  id=\"62061\" src=\"https:\/\/cdn.adtechpanda.com\/ac8e386f-374d-440f-a802-348ac4ada650\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Descubra o que a poupan\u00e7a pode proporcionar para voc\u00ea. Fonte: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Guardar uma parte dos seus ganhos todos os meses \u00e9 algo que s\u00f3 traz vantagens para voc\u00ea. Mas, o principal benef\u00edcio de poupar o seu dinheiro \u00e9 alcan\u00e7ar a sua independ\u00eancia financeira para assim ter mais qualidade de vida.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ao guardar dinheiro e ter uma reserva de emerg\u00eancia, voc\u00ea garante que ter\u00e1 mais seguran\u00e7a financeira no futuro.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dessa forma, caso algo aconte\u00e7a, como uma demiss\u00e3o ou problema de sa\u00fade, voc\u00ea poder\u00e1 bancar os gastos relacionados a ele sem se preocupar.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Al\u00e9m disso, guardar dinheiro por m\u00eas permite que voc\u00ea possa adquirir produtos ou servi\u00e7os pagando \u00e0 vista. Dessa forma, voc\u00ea consegue at\u00e9 negociar o valor e conseguir acessar op\u00e7\u00f5es mais interessantes de pagamento.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>E ao investir o dinheiro que voc\u00ea guarda, \u00e9 poss\u00edvel fazer com que seu dinheiro trabalhe com voc\u00ea. 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