Como fazer o planejamento familiar
Aprender técnicas de planejamento do orçamento familiar para o benefício de sua família significa principalmente ficar o mais livre possível de dívidas.
Haverá sempre alguma dívida, mas mantê-la no mínimo é a chave para um futuro financeiro saudável.
Você não pode simplesmente ir para a árvore do dinheiro lá atrás e arrancar um par de notas extras de cem reais sempre que precisar, então você tem que aprender a viver dentro de suas posses.
Mantendo-se dentro das possibilidades
A maioria das pessoas luta para poder permanecer dentro de suas possibilidades por causa das empresas de cartão de crédito.
As companhias de cartão de crédito querem que você use seus cartões e fique em dívida até o seu traseiro.
Ao não ceder a isto e não viver para além dos seus meios, você pode e irá alcançar a liberdade financeira que sempre quis.
O planeamento do orçamento doméstico é apenas a parte fácil.
Planejamento é tudo na nossa vida
Escrever tudo ou inserir todas as suas informações em um programa de computador é importante, mas realmente é a parte mais fácil.
A parte difícil é parar todos os gastos desnecessários e aprender a se reciclar para o bem de você e de sua família.
Você precisa sentar-se com o seu cônjuge ou parceiro e descobrir o que é necessário para o seu dia-a-dia de funcionamento doméstico e onde podem ser feitos cortes.
Coisas como fazer o seu próprio café pela manhã em vez de parar nas grandes cadeias de café que lhe cobram um braço e uma perna por uma xícara de café que realmente não é tão bom assim para começar.
Você provavelmente pode fazer um café melhor em casa.
O casal deve estar envolvido
Vocês os dois devem sentar-se e decidir juntos o que é mais importante e o que não é.
Comer fora ao almoço é outro que provavelmente pode ir pelo caminho. Entre o café e os almoços, você provavelmente poderia economizar pelo menos 200 reais por semana.
Entao, ponha isso numa conta poupança ou até num cofre no armário quarto para ver a rapidez com que se soma.
Hora de tomar as decisões importantes
É hora de tomar algumas decisões difíceis e depois ficar por elas.
O que é realmente importante aqui é sair de uma dívida e ser financeiramente livre.
Esse é o seu ponto principal. Mantenha o carro que você tem por mais um ano, e aquele celular.
Não caia em toda a propaganda sobre o novo que vai sair, o seu tem estado bem até agora e vai servir por mais um ano, também.
Portanto, se você tem uma grande dívida, então o dinheiro que você economiza do café e dos almoços pode ir para reduzir essa dívida.
Se você não tem muitas dívidas, então pode ir para uma conta poupança para economizar para investir ou se aposentar, ou que uma vez na vida de férias você sempre quis planejar.
Seja fiel ao planejamento para se manter no azul
Mantenha-se fiel ao seu plano.
No início será difícil, mas quanto mais você o fizer, melhor será e mais fácil será.
Mas não se esqueça de se tratar de vez em quando, você o merece. Só não exagere e não se meta em problemas novamente.
A sua diligência irá compensar um dia e você entenderá como é importante o planejamento do orçamento familiar.
Agora, se você quiser aprender mais sobre finança familiar, conheça este material muito bom (CLIQUE AQUI PARA SABER MAIS):
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