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headers already sent by (output started at D:\Inetpub\vhosts\blog.dominusauditoria.com.br\httpdocs\wp-includes\theme.php:1409) in D:\Inetpub\vhosts\blog.dominusauditoria.com.br\httpdocs\wp-content\plugins\contestant-rating\cr.class.php on line 304 Orçamentos pessoais: o que levar em consideração na hora de economizar! Blog Dominus Strict Standards: Only variables should be passed by reference in D:\Inetpub\vhosts\blog.dominusauditoria.com.br\httpdocs\wp-includes\general-template.php on line 1631
ago
31
2012
Orçamentos pessoais: o que levar em consideração na hora de economizar!

Ter sucesso na vida financeira depende muito da forma como você gasta o seu dinheiro. Por isso, desenvolver o hábito de fazer orçamentos pessoais pode ajudar a alcançar seus objetivos tanto a curto quanto a longo prazo.

Saber como gastar também é importante ao pensarmos no futuro, ao querermos uma garantia palpável de qualidade de vida e ainda de aumentar nossos rendimentos. Pensando nisso, separamos algumas dicas para melhorar seu desempenho na hora de fazer o seu orçamento pessoal!

• O dinheiro que você vai economizar deve ser o primeiro a sair da conta. Ao receber os pagamentos, reserve sempre primeiro o dinheiro da poupança ou demais investimentos.

• Tire 15 minutos do dia para se focar exclusivamente em seu orçamento pessoal. Use os minutos para organizar suas despesas, anotar os gastos e até mesmo para pesquisar novidades sobre o mundo econômico.

• Anote as falhas! Quando começar a anotar as escapadas no orçamento, você verá os principais pontos a serem ajustados. Além da oportunidade de melhorar, é possível analisar as possíveis mudanças a serem feitas.

• Como você pretende adotar um novo hábito – o de economizar – é preciso ter em mente que ele leva tempo até ser adquirido. Normalmente, precisa-se de quatro a seis semanas para adaptar-se a uma nova rotina. Portanto, fique firme e não desanime!

• Ter um diário de gastos é um hábito que ajuda muitas pessoas a manter-se no propósito. Use um caderninho para anotar as despesas diárias e reserve um horário do dia ou da semana para fazer as anotações.

• A tecnologia também pode ajudar. Já existem diversos aplicativos e sites que ajudam o internauta a anotar os gastos diários, gerar gráficos e análises, formatar diferentes orçamentos e muitas outras opções. Veja aqui algumas dicas!

• Adapte o orçamento à sua realidade. Não adianta fazer um planejamento extremamente restritivo se você já possui determinados hábitos, como ir ao cinema ou jantar fora. Apenas delimite a quantidade de vezes que isso deve acontecer e procure alternativas mais baratas para compensá-los.

• Pensando nisso, é preciso observar que, quando a situação financeira está realmente difícil, será necessário cortar também alguns costumes que dependam de mais gastos. Procure excluir as atividades menos essenciais ou adie algumas delas pelo tempo necessário.

Para saber mais informações sobre orçamentos pessoais, economia, contabilidade e auditoria, acompanhe a Dominus nas redes sociais: Facebook.com/DominusAuditoria e @DominusAuditori.

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