{"id":76349,"date":"2022-12-12T12:00:00","date_gmt":"2022-12-12T12:00:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=76349"},"modified":"2022-12-14T12:31:20","modified_gmt":"2022-12-14T12:31:20","slug":"como-organizar-as-financas","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/id\/como-organizar-as-financas\/","title":{"rendered":"Bagaimana mengatur keuangan untuk tahun 2023? Lihat tips kami"},"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=\"h-confira-8-praticas-para-suas-financas-ficarem-mais-organizadas\">Simak 8 Amalan Agar Keuangan Anda Lebih Terorganisir<\/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=\"Comece 2023 com o p\u00e9 direito! Fonte: Pexels.\"  id=\"76350\" src=\"https:\/\/cdn.adtechpanda.com\/a7ab269f-5af6-4405-b216-ad8062ce699f\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Mulailah tahun 2023 dengan langkah yang benar! Sumber: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Menjelang tahun baru, banyak orang yang telah membuat keputusan keuangan yang buruk sudah mulai memikirkan bagaimana mengatur keuangannya agar tahun 2023 menjadi tahun yang berbeda.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Untuk itu, Anda perlu mengubah kebiasaan konsumsi Anda dan menjadi orang yang lebih teratur dan, yang terpenting, orang yang terkontrol dalam hal membelanjakan uang.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z16rh3i\">\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\/id\/compras-por-impulso-como-controlar\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Bagaimana cara mengontrol pembelian impulsif?\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/1ee0d05a-f470-4fa5-9b42-892a7bf4f6a9\/\" 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\/id\/compras-por-impulso-como-controlar\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Bagaimana cara mengontrol pembelian impulsif?\">\n            Bagaimana cara mengontrol pembelian impulsif?        <\/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            Cari tahu apa itu oniomania dan lihat tip yang tidak boleh dilewatkan untuk mengontrol pembelian!        <\/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\/id\/compras-por-impulso-como-controlar\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Teruslah Membaca            <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\/id\/compras-por-impulso-como-controlar\/\"  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\/1ee0d05a-f470-4fa5-9b42-892a7bf4f6a9\/\">          \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                Bagaimana cara mengontrol pembelian impulsif?              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/id\/compras-por-impulso-como-controlar\/\"  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                    Teruslah Membaca                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Anda akan tetap berada di situs web yang sama              <\/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>Selain itu, selalu menarik untuk berpikir tentang menabung uang Anda dan bahkan berinvestasi untuk melindungi aset Anda. Namun, mempraktikkannya tidak selalu mudah.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Oleh karena itu, dalam artikel ini, kami memisahkan tip utama yang akan membantu Anda mempelajari cara mengatur keuangan untuk tahun baru dan memberikan pentingnya praktik ini!<\/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>Mengapa mengatur keuangan itu penting?<\/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=\"Entenda a import\u00e2ncia de deixar suas finan\u00e7as organizadas. Fonte: Pexels.\"  id=\"76352\" src=\"https:\/\/cdn.adtechpanda.com\/086b6bd1-3e71-4995-ab12-1d3ed2ff04c9\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Pahami pentingnya mengatur keuangan Anda. Sumber: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Yakni, banyak orang di Brasil memiliki masalah keuangan. Dan yang belum punya pasti punya teman, saudara atau kolega yang selalu merugi.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Biasanya, situasi ini bisa terjadi karena beberapa keputusan keuangan yang buruk, seperti:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Ambil pinjaman dengan tingkat bunga tinggi;<\/li><li>Gunakan seluruh batas kartu;<\/li><li>Instal faktur Anda;<\/li><li>Buat kartu kredit baru untuk memiliki lebih banyak batas;<\/li><li>Belanja impulsif;<\/li><li>Tidak tahu kemana perginya uang;<\/li><li>Habiskan lebih banyak dari yang Anda hasilkan;<\/li><li>Tidak memiliki cadangan darurat;<\/li><li>Diantara yang lain.<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Singkatnya, semua keputusan keuangan yang telah kami cantumkan terjadi ketika orang tersebut tidak tahu bagaimana mengatur keuangan.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Jadi, tanpa organisasi keuangan dasar, ia dapat terus membuat keputusan yang buruk, hanya berdasarkan penyelesaian masalah jangka pendek.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dengan begitu, seiring berjalannya waktu, dalam jangka panjang orang tersebut bisa terlilit hutang, dengan nama kotor dan kehilangan akses kredit yang bisa membantunya.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Namun, skenario ini dapat dengan mudah diselesaikan ketika kita belajar mengatur keuangan.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dari organisasi inilah kami dapat memiliki pandangan luas tentang keuangan dan dengan demikian membuat keputusan cerdas yang membantu kami dalam jangka pendek tanpa mempengaruhi jangka panjang.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dan, sesulit kelihatannya pada awalnya, mengatur keuangan adalah kebiasaan yang Anda bangun sedikit demi sedikit dan menjadi semakin termotivasi ketika Anda menyadari bahwa itu menghasilkan buah yang baik.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Tapi untuk memilikinya, kamu perlu mulai belajar mengatur keuangan agar tahun 2023 kamu benar-benar berbeda!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-1FoQOf\">\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\/id\/planilha-de-controle-de-gastos\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Cara membuat lembar kerja pengendalian biaya\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/e2e8f9b6-510e-4b35-9c94-761a0c35f8f0\/\" 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\/id\/planilha-de-controle-de-gastos\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Cara membuat lembar kerja pengendalian biaya\">\n            Cara membuat lembar kerja pengendalian biaya        <\/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            Lihat di sini cara mengurus pengeluaran Anda dengan membuat spreadsheet!        <\/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\/id\/planilha-de-controle-de-gastos\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Teruslah Membaca            <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\/id\/planilha-de-controle-de-gastos\/\"  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\/e2e8f9b6-510e-4b35-9c94-761a0c35f8f0\/\">          \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                Cara membuat lembar kerja pengendalian biaya              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/id\/planilha-de-controle-de-gastos\/\"  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                    Teruslah Membaca                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Anda akan tetap berada di situs web yang sama              <\/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=\"h-como-organizar-as-financas-para-2023\">Bagaimana mengatur keuangan untuk tahun 2023?<\/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=\"Confira 8 dicas para se organizar financeiramente para 2023! Fonte: Pexels.\"  id=\"76353\" src=\"https:\/\/cdn.adtechpanda.com\/b977c850-da79-47bf-b223-d4da04dae9a7\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Lihat 8 tips mengatur keuangan untuk tahun 2023! Sumber: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Singkatnya, mulai mengatur diri sendiri secara finansial tidak selalu mudah. Untuk itu, Anda perlu memahami skenario keuangan Anda saat ini dan, jika memungkinkan, buatlah tujuan yang menunjukkan di mana Anda ingin berada di tahun depan.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dengan cara ini, Anda bisa lebih termotivasi dan melihat alasan yang nyata dan masuk akal atas upaya yang Anda lakukan saat ini.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Jadi, kami telah memisahkan beberapa tips di bawah ini yang dapat membantu Anda saat mempelajari cara mengatur keuangan untuk tahun depan!<\/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>1. Daftarkan pintu keluar dan entri<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pertama, bahkan sebelum Anda menetapkan tujuan keuangan, Anda perlu mengetahui situasi Anda saat ini.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Untuk melakukan ini, Anda dapat melakukan latihan sederhana dan mencatat di buku catatan atau spreadsheet semua uang yang masuk dan keluar dari rekening bank Anda pada bulan lalu.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dengan melakukan ini, Anda dapat melihat apakah Anda membelanjakan lebih dari yang Anda terima atau apakah yang Anda terima cukup untuk tagihan Anda.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Jadi, Anda sekarang dapat terus membuat catatan yang sama untuk 12 bulan ke depan dan menambahkan tagihan utama yang akan Anda bayarkan dan pengeluaran yang Anda rencanakan sepanjang tahun.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ini akan membantu menunjukkan kepada Anda di mana situasi keuangan Anda sehingga Anda memiliki garis dasar untuk mulai merencanakan tahun depan.<\/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>2. Buat rencana tindakan<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dengan survei selesai, Anda sudah dapat memikirkan tindakan yang harus diambil dan dengan demikian meningkatkan keuangan pribadi Anda.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Misalnya, Anda mungkin memperhatikan bahwa tagihan kartu kredit menghabiskan sebagian besar gaji Anda. Dengan mengingat hal itu, sebagai tindakan Anda dapat menetapkan batas pengeluaran untuk faktur Anda.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Atau Anda mungkin menyadari bahwa hutang yang Anda miliki memiliki tingkat bunga yang tinggi. Oleh karena itu, Anda dapat menghubungi lembaga keuangan untuk mencoba menegosiasikan kembali utang tersebut.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dengan begitu, Anda bisa secara bertahap membuat solusi keuangan sederhana untuk masalah Anda agar tahun 2023 lebih damai.<\/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>3. Buat tujuan keuangan<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dengan rencana tindakan yang siap, Anda sekarang dapat menentukan tujuan keuangan utama Anda. Singkatnya, mereka akan sangat didasarkan pada rencana tindakan yang telah Anda buat. Dengan demikian, setiap rencana dapat memiliki tujuan untuk dipenuhi.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dengan cara ini, bagi mereka yang ingin membelanjakan lebih sedikit pada kartu, mereka dapat menetapkan tujuan agar semua tagihan mereka tidak melebihi nilai R$ 500.00, misalnya.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dan hal yang sama bisa dilakukan dengan renegosiasi utang. Anda bisa menetapkan nilai tertentu yang harus dimiliki porsi utang agar keuangan Anda lebih rileks.<\/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>4. Tetapkan anggaran<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Amalan lain yang menarik untuk Anda lakukan di tahun baru adalah menetapkan anggaran untuk pembelian utama Anda.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Yakni, salah satu alasan mengapa orang terlilit hutang atau tagihan yang sangat tinggi pada kartu kreditnya adalah karena kurangnya anggaran saat akan membeli suatu barang.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Maka dari itu, amalan yang menarik untuk Anda lakukan adalah selalu mengatur anggaran belanja setiap pergi ke suatu tempat.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dengan begitu, jika Anda pergi bersama teman, Anda dapat menentukan bahwa Anda hanya akan membelanjakan R$ 100,00, misalnya. Atau yang lain, jalan-jalan ke mal, Anda bisa menganggarkan R$ 200.00.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Di sini semuanya akan tergantung pada kebutuhan Anda dan, tentu saja, nilai-nilai yang dijunjung tinggi oleh setiap institusi. Jadi Anda dapat menetapkan anggaran pengeluaran yang realistis untuk keuangan Anda dan ke mana Anda akan pergi!<\/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>5. Habiskan apa yang diperlukan<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Praktik lain yang membantu Anda menetapkan anggaran adalah selalu membelanjakan apa yang benar-benar diperlukan.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Tentunya kita semua pada suatu saat dalam hidup membeli sesuatu secara impulsif. Ini adalah pembelian yang tidak direncanakan atau memperoleh barang yang dalam praktiknya, kita tidak terlalu membutuhkannya.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Oleh karena itu, untuk menghindari skenario ini, mungkin menarik bagi Anda untuk bertanya pada diri sendiri:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Apakah item ini benar-benar diperlukan dalam hidup saya?<\/li><li>Apa bedanya dalam kehidupan sehari-hari saya?<\/li><li>Apakah saya harus memilikinya sekarang atau dapatkah saya membelinya nanti?<\/li><li>Apakah itu memiliki harga terbaik?<\/li><li>Dapatkah saya benar-benar membayarnya tanpa merugikan diri sendiri?<\/li><li>Apakah ini barang yang selalu saya inginkan?<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Jadi, dengan bertanya pada diri sendiri pertanyaan-pertanyaan sederhana ini, Anda dapat memfilter barang yang akan dibeli dengan lebih baik dan Anda dapat melakukan pembelian yang lebih cerdas di masa mendatang.<\/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>6. Selalu bandingkan harga<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Menghemat pembelian selalu baik, dan cara yang baik untuk melakukannya adalah dengan membandingkan harga produk sebelum membeli.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Selain membantu menghindari pembelian impulsif, perbandingan harga memungkinkan Anda memiliki gambaran yang lebih baik tentang harga yang dibebankan dan mendapatkan barang yang Anda butuhkan tanpa menghabiskan terlalu banyak.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Yaitu, praktik yang baik untuk dilakukan saat membandingkan harga adalah dengan menggunakan alat khusus untuk ini, seperti Zoom atau Buscap\u00e9.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Jadi, dengan mereka Anda dapat memeriksa harga produk di toko yang berbeda, selain dapat membuat peringatan harga untuk membeli produk saat harganya paling murah!<\/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>7. Hati-hati dengan kartu kredit Anda<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Seringkali, kartu kredit menjadi musuh utama organisasi keuangan banyak orang. Batas yang dirilis, yang terkadang tinggi, dapat membuat kita berpikir dan membuat kita percaya bahwa kita dapat membelanjakan lebih banyak.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Selain itu, jumlah tagihan bisa menipu kita jika kita selalu melakukan pembelian kecil di kartu. Sebanyak R$ 10, R$ 20 atau R$ 30 sepertinya tidak sendirian, ketika mereka bersatu akhirnya menghasilkan tagihan yang tinggi.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Oleh karena itu, agar kartu kredit tidak menjadi penjahat utama organisasi keuangan Anda, Anda harus menggunakan sumber daya dengan hati-hati dan tidak berlebihan.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Untuk ini, mungkin menarik untuk menghindari membelanjakan semua pembelian pada kartu dan selalu mencoba membayar lebih secara tunai.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Selain itu, menetapkan nilai batas untuk tagihan bulanan Anda juga membantu Anda membelanjakan lebih sedikit dan membuat keuangan Anda lebih tenang.<\/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>8. Memiliki cadangan darurat<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Terakhir, namun tidak kalah pentingnya, kami telah membuat cadangan darurat.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Singkatnya, dengan memilikinya, Anda dapat terhindar dari banyak masalah keuangan dan membuat keuangan Anda seimbang dengan baik.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Selain itu, cadangan menawarkan Anda keamanan yang lebih besar dan memberikan kualitas hidup yang lebih baik ketika Anda tahu Anda harus pergi ke suatu tempat jika hal-hal tidak berhasil.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Jadi, untuk membuat cadangan darurat Anda, Anda hanya memerlukan dua hal:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ol><li>Tentukan jumlah total reservasi;<\/li><li>Mulailah menabung setiap bulan hingga Anda mencapai jumlah tersebut.<\/li><\/ol>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sebanyak orang Brasil tidak terbiasa menabung, ini bisa menjadi latihan yang baik untuk mencoba menabung hanya untuk membangun cadangan darurat.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Jadi, Anda hanya perlu menabung selama beberapa bulan hingga mencapai jumlah yang ideal. Dengan itu, Anda dapat membiarkan tabungan Anda diinvestasikan dalam beberapa judul keren untuk menjamin daya beli Anda di masa depan!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Untuk membantu Anda dengan tugas ini, kami memisahkan pos tentang subjek di bawah ini. Baca dan periksa!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-2dbkgO\">\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\/id\/o-que-e-e-como-fazer-uma-reserva-de-emergencia\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Cara membuat cadangan darurat\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/412186af-2b85-48bc-9ba2-6f9490ca34e3\/\" 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\/id\/o-que-e-e-como-fazer-uma-reserva-de-emergencia\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Cara membuat cadangan darurat\">\n            Cara membuat cadangan darurat        <\/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            Lihat bagaimana cadangan ini membantu keuangan Anda dan pelajari cara membuatnya!        <\/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\/id\/o-que-e-e-como-fazer-uma-reserva-de-emergencia\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Teruslah Membaca            <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\/id\/o-que-e-e-como-fazer-uma-reserva-de-emergencia\/\"  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\/412186af-2b85-48bc-9ba2-6f9490ca34e3\/\">          \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                Cara membuat cadangan darurat              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/id\/o-que-e-e-como-fazer-uma-reserva-de-emergencia\/\"  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                    Teruslah Membaca                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Anda akan tetap berada di situs web yang sama              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Menganalisis penghasilan dan pengeluaran Anda, membuat tujuan, dan menetapkan anggaran adalah beberapa praktik sederhana yang telah membantu membuat keuangan Anda lebih seimbang. Pelajari lebih banyak tips seperti ini di postingan ini!<\/p>","protected":false},"author":31,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[38],"tags":[4936,125,39,175],"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>Como organizar as finan\u00e7as para 2023? Veja as nossas dicas - Senhor Panda<\/title>\n<meta name=\"description\" content=\"Saiba como organizar as finan\u00e7as em 8 dicas super pr\u00e1ticas para voc\u00ea come\u00e7ar 2023 com o p\u00e9 direito e as finan\u00e7as em dia!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/senhorpanda.com\/id\/como-organizar-as-financas\/\" \/>\n<meta property=\"og:locale\" content=\"id_ID\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Como organizar as finan\u00e7as para 2023? Veja as nossas dicas\" \/>\n<meta property=\"og:description\" content=\"Saiba como organizar as finan\u00e7as em 8 dicas super pr\u00e1ticas para voc\u00ea come\u00e7ar 2023 com o p\u00e9 direito e as finan\u00e7as em dia!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/senhorpanda.com\/id\/como-organizar-as-financas\/\" \/>\n<meta property=\"og:site_name\" content=\"Senhor Panda\" \/>\n<meta property=\"article:published_time\" content=\"2022-12-12T12:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-12-14T12:31:20+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cdn.adtechpanda.com\/a7ab269f-5af6-4405-b216-ad8062ce699f\/\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Leticia Jord\u00e3o\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"10 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebSite\",\"@id\":\"https:\/\/senhorpanda.com\/#website\",\"url\":\"https:\/\/senhorpanda.com\/\",\"name\":\"Senhor Panda\",\"description\":\"Combatendo a pregui\u00e7a e as p\u00e9ssimas decis\u00f5es financeiras, um bambu por vez \ud83c\udf8b\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/senhorpanda.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"id-ID\"},{\"@type\":\"ImageObject\",\"inLanguage\":\"id-ID\",\"@id\":\"https:\/\/senhorpanda.com\/como-organizar-as-financas\/#primaryimage\",\"url\":\"https:\/\/cdn.adtechpanda.com\/a7ab269f-5af6-4405-b216-ad8062ce699f\/\",\"contentUrl\":\"https:\/\/cdn.adtechpanda.com\/a7ab269f-5af6-4405-b216-ad8062ce699f\/\",\"width\":1280,\"height\":853,\"caption\":\"Mulher com dinheiro na m\u00e3o anotando em um caderno\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/senhorpanda.com\/como-organizar-as-financas\/#webpage\",\"url\":\"https:\/\/senhorpanda.com\/como-organizar-as-financas\/\",\"name\":\"Como organizar as finan\u00e7as para 2023? Veja as nossas dicas - Senhor Panda\",\"isPartOf\":{\"@id\":\"https:\/\/senhorpanda.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/senhorpanda.com\/como-organizar-as-financas\/#primaryimage\"},\"datePublished\":\"2022-12-12T12:00:00+00:00\",\"dateModified\":\"2022-12-14T12:31:20+00:00\",\"author\":{\"@id\":\"https:\/\/senhorpanda.com\/#\/schema\/person\/18a3eabaab6b876e352ccacdfdd668fb\"},\"description\":\"Saiba como organizar as finan\u00e7as em 8 dicas super pr\u00e1ticas para voc\u00ea come\u00e7ar 2023 com o p\u00e9 direito e as finan\u00e7as em dia!\",\"breadcrumb\":{\"@id\":\"https:\/\/senhorpanda.com\/como-organizar-as-financas\/#breadcrumb\"},\"inLanguage\":\"id-ID\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/senhorpanda.com\/como-organizar-as-financas\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/senhorpanda.com\/como-organizar-as-financas\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/senhorpanda.com\/id\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Como organizar as finan\u00e7as para 2023? Veja as nossas dicas\"}]},{\"@type\":\"Person\",\"@id\":\"https:\/\/senhorpanda.com\/#\/schema\/person\/18a3eabaab6b876e352ccacdfdd668fb\",\"name\":\"Leticia Jord\u00e3o\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"id-ID\",\"@id\":\"https:\/\/senhorpanda.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/7cd430a4a8f62095715d687ff93f7559?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/7cd430a4a8f62095715d687ff93f7559?s=96&d=mm&r=g\",\"caption\":\"Leticia Jord\u00e3o\"},\"description\":\"Ol\u00e1! Sou formada em Marketing e acabei descobrindo minha paix\u00e3o na \u00e1rea de produ\u00e7\u00e3o de conte\u00fado! Hoje eu possuo experi\u00eancia escrevendo sobre marketing digital e finan\u00e7as pessoais onde sempre foco em entregar a informa\u00e7\u00e3o que o p\u00fablico mais precisa.\",\"url\":\"https:\/\/senhorpanda.com\/id\/author\/letihcontent\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Como organizar as finan\u00e7as para 2023? Veja as nossas dicas - Senhor Panda","description":"Saiba como organizar as finan\u00e7as em 8 dicas super pr\u00e1ticas para voc\u00ea come\u00e7ar 2023 com o p\u00e9 direito e as finan\u00e7as em dia!","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/senhorpanda.com\/id\/como-organizar-as-financas\/","og_locale":"id_ID","og_type":"article","og_title":"Como organizar as finan\u00e7as para 2023? Veja as nossas dicas","og_description":"Saiba como organizar as finan\u00e7as em 8 dicas super pr\u00e1ticas para voc\u00ea come\u00e7ar 2023 com o p\u00e9 direito e as finan\u00e7as em dia!","og_url":"https:\/\/senhorpanda.com\/id\/como-organizar-as-financas\/","og_site_name":"Senhor Panda","article_published_time":"2022-12-12T12:00:00+00:00","article_modified_time":"2022-12-14T12:31:20+00:00","og_image":[{"url":"https:\/\/cdn.adtechpanda.com\/a7ab269f-5af6-4405-b216-ad8062ce699f\/"}],"twitter_card":"summary_large_image","twitter_misc":{"Written by":"Leticia Jord\u00e3o","Est. reading time":"10 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebSite","@id":"https:\/\/senhorpanda.com\/#website","url":"https:\/\/senhorpanda.com\/","name":"Senhor Panda","description":"Combatendo a pregui\u00e7a e as p\u00e9ssimas decis\u00f5es financeiras, um bambu por vez \ud83c\udf8b","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/senhorpanda.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"id-ID"},{"@type":"ImageObject","inLanguage":"id-ID","@id":"https:\/\/senhorpanda.com\/como-organizar-as-financas\/#primaryimage","url":"https:\/\/cdn.adtechpanda.com\/a7ab269f-5af6-4405-b216-ad8062ce699f\/","contentUrl":"https:\/\/cdn.adtechpanda.com\/a7ab269f-5af6-4405-b216-ad8062ce699f\/","width":1280,"height":853,"caption":"Mulher com dinheiro na m\u00e3o anotando em um caderno"},{"@type":"WebPage","@id":"https:\/\/senhorpanda.com\/como-organizar-as-financas\/#webpage","url":"https:\/\/senhorpanda.com\/como-organizar-as-financas\/","name":"Como organizar as finan\u00e7as para 2023? Veja as nossas dicas - Senhor Panda","isPartOf":{"@id":"https:\/\/senhorpanda.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/senhorpanda.com\/como-organizar-as-financas\/#primaryimage"},"datePublished":"2022-12-12T12:00:00+00:00","dateModified":"2022-12-14T12:31:20+00:00","author":{"@id":"https:\/\/senhorpanda.com\/#\/schema\/person\/18a3eabaab6b876e352ccacdfdd668fb"},"description":"Saiba como organizar as finan\u00e7as em 8 dicas super pr\u00e1ticas para voc\u00ea come\u00e7ar 2023 com o p\u00e9 direito e as finan\u00e7as em dia!","breadcrumb":{"@id":"https:\/\/senhorpanda.com\/como-organizar-as-financas\/#breadcrumb"},"inLanguage":"id-ID","potentialAction":[{"@type":"ReadAction","target":["https:\/\/senhorpanda.com\/como-organizar-as-financas\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/senhorpanda.com\/como-organizar-as-financas\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/senhorpanda.com\/id\/"},{"@type":"ListItem","position":2,"name":"Como organizar as finan\u00e7as para 2023? Veja as nossas dicas"}]},{"@type":"Person","@id":"https:\/\/senhorpanda.com\/#\/schema\/person\/18a3eabaab6b876e352ccacdfdd668fb","name":"Leticia Jord\u00e3o","image":{"@type":"ImageObject","inLanguage":"id-ID","@id":"https:\/\/senhorpanda.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/7cd430a4a8f62095715d687ff93f7559?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/7cd430a4a8f62095715d687ff93f7559?s=96&d=mm&r=g","caption":"Leticia Jord\u00e3o"},"description":"Ol\u00e1! Sou formada em Marketing e acabei descobrindo minha paix\u00e3o na \u00e1rea de produ\u00e7\u00e3o de conte\u00fado! Hoje eu possuo experi\u00eancia escrevendo sobre marketing digital e finan\u00e7as pessoais onde sempre foco em entregar a informa\u00e7\u00e3o que o p\u00fablico mais precisa.","url":"https:\/\/senhorpanda.com\/id\/author\/letihcontent\/"}]}},"_links":{"self":[{"href":"https:\/\/senhorpanda.com\/id\/wp-json\/wp\/v2\/posts\/76349"}],"collection":[{"href":"https:\/\/senhorpanda.com\/id\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/senhorpanda.com\/id\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/senhorpanda.com\/id\/wp-json\/wp\/v2\/users\/31"}],"replies":[{"embeddable":true,"href":"https:\/\/senhorpanda.com\/id\/wp-json\/wp\/v2\/comments?post=76349"}],"version-history":[{"count":0,"href":"https:\/\/senhorpanda.com\/id\/wp-json\/wp\/v2\/posts\/76349\/revisions"}],"wp:attachment":[{"href":"https:\/\/senhorpanda.com\/id\/wp-json\/wp\/v2\/media?parent=76349"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/senhorpanda.com\/id\/wp-json\/wp\/v2\/categories?post=76349"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/senhorpanda.com\/id\/wp-json\/wp\/v2\/tags?post=76349"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}