Atitude 92! É preciso reduzir os custos fixos e certos! 
Autor: Valdemar Engroff | Publicado: 2017-01-29T11:54:00-02:00




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Créditos: www.guaposecia.com.br

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Gauchada do Rio Grande e de toda esta terra em redor que chamamos de mundo....&nbsp;

O vivente que vive nos apertos financeiros, com a bombacha só nos panos (sem dinheiro), endividado até o pescoço, vai precisar radicalmente mudar de atitude, ou estará e vai continuar nesta situação pelo resto da sua vida!

A primeira coisa a fazer é implantar o orçamento doméstico, podendo ser como era antigamente, com o uso do velho livro caixa, muito utilizado nos galpões dos Centros de Tradições Gaúchas (CTGs), com as colunas "Deve" e Haver"; um caderno qualquer com os controles de gastos (diários) e ganhos (salários e todas as outras rendas, inclusive as baixas das contas poupança, e outras aplicações financeiras),&nbsp; diários e divididos por mês ou, indo para a modernidade, uma planilha em excel, feita no teu computador....&nbsp;

Implantamos o orçamento doméstico no nosso rancho (casa/família) em abril de 2008 e foi a melhor coisa que fizemos para fechar os ralos dos gastos desnecessários e compras por impulso (com arrependimento a posteriori). E neste mesmo ano, nos programamos para investimentos periódicos e mensais para fins de aposentadoria complementar, para nós quatro (eu, a esposa e as duas filhas).

O ano de 2016 foi terrível em vários aspectos, em especial na economia, com recessão, aumento da inflação, desemprego e outros fatores....&nbsp;

Mas sempre há esperança quando o ano termina e começa uma nova jornada, um novo ano. Então vivente, que tal tu te organizar com foco e seriedade já em 2017???

No nosso rancho (casa, família), além de não gastarmos mais do que ganhamos, no ano passado e anos anteriores (como cima citamos), sempre no começo do mês, "pingamos" cobres (dinheiro) em pequenos investimentos para fins de aposentadoria complementar....&nbsp; Mas só isso não dá, então, caminhamos para a redução de custos, que são líquidos e certos, tais como:



1 - Produção própria de hortaliças, com a instalação no ano passado, de uma horta com estufa e sistema de irrigação. Paramos de consumir produtos deste naipe comprados em supermercado e com certeza, o que produzimos, não tem agrotóxico algum, nada, nem usamos adubo químico....;

2 - Redução da conta de água já há alguns anos, pois para o nosso consumo dos banheiros, limpeza e horta, fizemos um poço artesiano;


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Créditos: www.elysia.com.br

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3 - Não financiamos nada..... nada mesmo.... (???)... mas toda regra tem a sua exceção e em novembro do ano passado, financiamos via cooperativa de crédito mútuo dos funcionários da Ascar Emater RS - Cresal, um sistema de geração de energia solar. O parcelamento é em 24 vezes e faz com que o sistema gere energia de dia e "vendemos" para a distribuidora de energia de dia e "compramos" de noite....;



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Carro é uma fábrica de despesas, não importa o ano,

modelo ou marca. Créditos: www.osul.com.br
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4 - O pior de todos os custos é a manutenção do cavalo pé-de-borracha - o carro, pois este, mesmo parado na garagem, ele te onera, começando com a depreciação natural a partir do momento que ele é adquirido, mais a manutenção dele ao longo do seu uso, com o combustível, manutenção periódica, seguros opcionais contra terceiros; impostos (IPVA), pedágios, garagens, entre outros.&nbsp;

O nosso, adquirido em julho de 2013, teve até o dia 31 de dezembro de 2016, um custo total de R$ 46.748,02, onde foram "queimados" 7.925,925 litros de combustível, que totalizaram R$ 23.977,54. O restante (R$ 22.770,48) corresponde aos gastos necessários para manter o carro em pleno funcionamento (não está aí incluído o preço de compra).&nbsp;



Só em 2016 foram consumidos 2.176,706 litros de combustível, a um valor médio de R$ 3,6203 o litro (gasolina), totalizando R$ 7.880,27. As demais despesas do ano passado totalizaram R$ 6.670,22, totalizando R$ 14.550,49. Uma verdadeira guaiaca cheia de dinheiro.... A solução, com o tempo, é utilizar mais o transporte alternativo, concorrente do táxi, que chegou para ficar (Uber e afins). Chasque completo das despesas do nosso "cavalinho" em três anos. Abra as porteiras clicando em http://obolsodabombacha.blogspot.com.br/2016/08/atitude-90-nosso-veiculo-e-todos-os.html



5 - Quando nos referimos ao parcelamento zero no item 3, NÃO temos e não utilizamos cartão de crédito e não usamos o crédito de bancos e financeiras. Pagamos em dinheiro barganhando descontos ou então no cartão de débito e só.... Vemos se realmente é necessário a aquisição de bens, mesmo não tendo o dinheiro suficiente no bolso da bombacha, ou baixamos das aplicações ou então financiamos (sempre exceções à regra) na Cresal, como no caso da aquisição do sistema de geração de energia solar.

Concluindo.... nada disse seria possível sem a disciplina com os cobres (dinheiro) e o orçamento doméstico sendo usado com foco e convicção de que este é o melhor caminho para nunca entrar, em termos financeiros em apuros, com a bombacha só nos panos, ou como se diz, literalmente no Rio Grande do Sul, "pelado" ou "com a corda no pescoço", ou seja, sem dinheiro algum....

Valdemar Engroff