Preparando seu orçamento para 2020
Mais um novo ano vai iniciar e você ainda não sabe como vai quitar as contas do ano passado?
Não acredito, mas que descontrole é esse?
Infelizmente esta é a realidade da maioria dos brasileiros que entram o ano com as velhas dívidas e acabam o ano já com as dívidas do novo ano nas mãos. Que desespero!
Conheço bem esta situação pois isto acontecia sempre comigo também, por isso não se sinta envergonhado e nem se desespere. Tudo tem um jeito na vida.
É por este motivo que estamos aqui, para salvar o seu dinheiro das mãos dos bancos, que só estão interessados em uma coisa em você: seu bolso.
Você mal conseguiu quitar as contas do ano que se findou e ainda está pagando os presentes do Natal?
Quem mandou dar presente? O azar é seu!
Realmente é muito legal presentear os amigos e familiares, mas nós, brasileiros, precisamos saber que se continuarmos dentro desta tradição idealizada “ninguém sabe por quem”, não terá dinheiro para pensar no próximo Natal…
Este é só um exemplo que coloquei porque o Natal está chegando daqui há poucos dias, mas se você parar para pensar vai ver que esta situação é muito recorrente em sua vida.
Lembra do Carnaval (não tem presente, mas você quer sair pulando por aí, né?), da Páscoa que vem logo em seguida (haja ovo de Páscoa) e os aniversários, as datas comemorativas…
Motivo para gastarmos dinheiro existem muitos e os brasileiros estão afundados nas contas por isto.
Corte estas despesas da sua vida pelo amor de Deus, pelo menos até você ficar rico (claro que, aprendendo e crescendo aqui com nossas orientações e dicas super importantes.)
Vamos pensar o ano que se inicia como uma oportunidade de realmente tomar o controle de suas contas, acabar com as velhas e novas dívidas e ainda ser DONO do seu próprio dinheiro.
Vamos aos preparativos então para um “Ano Novo, Vida Nova”?
1. Avalie seus ganhos e suas dívidas
Junte todas as suas contas do ano passado, pegue todos os boletos, as faturas da água, luz, telefone, farmácia, etc. Enfim tudo…
Mas se você for um pouco desorganizado e não tiver guardados suas contas, tente pelo menos lembrar quais foram os seus gastos, mas escreva tudo.
Você vai precisar para isto utilizar uma planilha (pode ser no Excel, no Word), mas se você ainda não sabe usar o computador, arrume um caderno só pra isso.
O ideal é que você aprenda um pouquinho de computação. Larga de preguiça e bora aprender (kkk, brincadeirinha tá?), mas seria bom aprender mesmo.
Nesta planilha coloque todas as suas despesas e os ganhos que obteve mensalmente e no final coloque a soma total destas despesas e ganhos.
Agora pare um pouquinho…
Analise cada despesa que você teve e imagine-se sem esta despesa, talvez não faça nenhuma diferença se você cortá-la da sua vida (o bom é que vai sobrar mais dinheiro na sua conta).
2. Reduza suas despesas
Antes de você começar a fazer o novo orçamento para este ano, você deve cortar, mas cortar mesmo as despesas que você considerou como desnecessárias, inadequadas ou que é um “luxo” demais para você agora.
Desde almoçar fora, pizza várias vezes no ano, lanches no lugar do jantar… nossa! Quantos jantares na lanchonete, na pizzaria, no restaurante.
Some estas despesas e você vai ficar surpreso o quanto gastou com algo que você poderia ter economizado, poupado e investido…
Imagine este valor rendendo pra você 20% ao ano. Você pode até achar que o montante recebido em relação ao valor poupado seja pouco, mas imagine este rendimento por vários anos e ainda sob a valorização dos juros compostos (vamos falar muito dele por aqui).
Tv a Cabo, Netflix, Joguinhos comprados, aquela coleirinha mais chique pro cachorrinho, um tênis de marca mais caro (pra quê?), celular de última geração…
Colocou tudo isto? Olha que tem mais alguma coisinha que você pode se livrar!
Mas é isso mesmo, corte o supérfluo. A palavra de ordem é REDUÇÃO DE CUSTOS.
3. Planejando seus gastos
Depois que você cortou o desnecessário, agora é hora de planejar como será gasto seu salário neste novo ano.
Baseado nesta planilha “limpa”, ou seja, livre dos exageros você vai refazer a lista de despesas. Lembre-se de colocar as despesas mes a mes e o total anual.
Pronto (ou melhor, quase pronto). Agora você compara despesas x ganhos e ver como vai ficar o saldo ao final do ano.
“Ué, mas não teve saldo no final do ano. Ainda fiquei devendo…”
Claro que teve saldo, mas o saldo é negativo (Ex.: – R$ 520,80).
E se escreve em vermelho mesmo, para ficar bem destacado. Para você não se esquecer que a sua situação está no vermelho.
Agora falta você colocar ainda o quanto você vai guardar, estipule 10% dos seus ganhos (dízimo de investimento).
“Agora você tá louco, você não viu que está no vermelho? Onde vou conseguir tirar dinheiro para investir daqui?”
Sei que parece loucura, mas é assim mesmo: por exemplo, se você ganha R$ 1.500,00 coloque embaixo:
Investimento: R$ 150,00
Agora seu saldo está mais verdadeiro: – R$ 670,80.
O grande desafio será começar a diminuir seu saldo negativo, mas acredite: VOCÊ VAI CONSEGUIR!
4. Revise: é um orçamento realista e justo?
Parabéns, você está no caminho certo, mas você pode começar a achar meio injusto, pois você trabalhou o mês inteiro e quer ter direito a comprar algumas coisinhas a mais.
Esqueça este pensamento!
Nós vamos te ensinar a pensar RICO. E rico de verdade não fica com esse MI MI Mi não.
Se não der, não compra! E ponto final.
Radical? Parece né? Mas é assim que você vai conseguir ser livre financeiramente e poderá planejar um futuro melhor para você e para sua família.
Seja sincero e realista. Não use o emocional na análise das despesas, seja RACIONAL. Afinal, você está se preparando para viver em um nova e desejada realidade: MEU DINHEIRO É MEU!
5. Fundo de emergência: para situações imprevistas
Você possui um fundo de emergência para caso algo inesperado aconteça?
Sei que pode parecer utopia, mas você precisa pensar nisso o mais breve possível.
Você pode até dizer que o planejamento é feito justamente para se prevenir e precaver de todos os infortúnios que possam vir a acontecer, não é mesmo?
Mas se isto não tiver escrito no planejamento, provavelmente quando ocorrer algo inesperado você não estará pronto para resolver sem que tenha que se endividar mais ainda.
Portanto você deve inserir no seu planejamento um valor para as despesas e ocorrências inesperadas, que pode ser de saúde por exemplo, ou mesmo um problema mecânico em seu veículo, etc.
Como eu disse acima, mesmo que não haja “saldo” para incluir outros custos, você precisa colocar isto no planejamento pois a idéia é ir saindo do vermelho aos poucos.
Acredite, você vai conseguir! E ainda vai se tornar investidor!,
6. Comece a investir
Parabéns, agora você chegou na melhor parte: investir.
“Você está louco mesmo, se eu tô no vermelho, como vou poupar? Tô precisando de dinheiro e você me vem com essa agora.”
Mas calma que você vai chegar lá.
É que você não entendeu ainda que planejamento tem de estar incluso tudo, mas tudo mesmo. Até o quanto você vai investir por mês.
O que estamos ensinando aqui é isto mesmo: como você vai sair de devedor para investidor.
Passo a passo.
Nós não acreditamos que a poupança seja realmente um investimento, mas num primeiro momento insisto:
Não deixe seu dinheiro na conta corrente, jogue sempre na poupança, se você ainda não entende de outras formas de investimento, como por exemplo Tesouro Direto, etc.
Vamos te ensinar a chegar lá. Acredite! Acredite sempre!
Por isso é que você precisa nos acompanhar aqui.
7. Recapitulando…
Para começar e terminar um novo ano com suas finanças em dia, você precisa educar-se, controlar as despesas e equilibrar ganhos x despesas.
Primeiramente você precisa avaliar o quanto ganha, mas analise tudo mesmo e principalmente aqueles valores que entram de forma rotineira e que você muitas vezes nem considera, como gorjetas por exemplo.
Diminua as despesas, começando por aquilo que é supérfluo ou menos importante. Algumas vezes será necessário um esforço maior para conseguir este feito.
Planeje, planeje e planeje as despesas, começando pelas mais importantes e necessárias, deixando por último as que podem ser consideradas como dispensáveis ou substituíveis.
Revise todo o planejamento e compare com seus resultados. Fazendo assim consistentemente, no final do mês vai começar a ficar uma “sobra”.
As sobras servem, primeiramente, para um fundo de emergência e para você começar a investir e pensar no futuro.
Por fim, comece seus investimentos. Acompanhe nosso blog que te daremos as melhores dicas de como investir com qualidade.
Aproveite e compartilhe com todos os seus grupos e amigos para que mais pessoas possam aprender a se planejar e sair das dívidas.
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