Planejamento financeiro: por que é tão difícil manter as contas em ordem?
Autor: Fabiano Sant'Ana | Publicado: 2011-10-31T08:22:00-02:00



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Mesmo
com o hábito de elaborar um planejamento financeiro, por que tantas famílias
têm dificuldade em manter suas contas em ordem? Além de listar receitas e
despesas, é preciso ter consciência de que o controle do orçamento envolve
muito mais do que isso. Cortar gastos é uma dessas medidas para o ajuste de
contas.

Claro
que eliminar ou reduzir despesas não é tão fácil, mas se trata de algo
necessário. Deve-se, assim, enfrentar a situação como um momento passageiro,
uma oportunidade de reorganização do orçamento.

Envolvimento da Família

Outro ponto que impacta no sucesso – ou fracasso - do planejamento financeiro é
o envolvimento da família no dia a dia das finanças do lar.

Mesmo
que apenas os pais sejam responsáveis pelo sustento da casa, é importante
contar com a participação dos filhos nas discussões financeiras, para atingir
os objetivos definidos. Além disso, quanto antes as crianças e os jovens se
envolverem nessas questões, mais cedo perceberão a importância e o valor do
dinheiro e se tornarão, no futuro, adultos financeiramente responsáveis.

Prioridades
Após fazer o levantamento dos gastos mensais, é preciso separar as despesas
necessárias daquelas que podem ser eliminadas. Não existe mágica: as despesas
fixas - como a prestação do carro, o aluguel e a conta de luz -, estarão sempre
presentes no final do mês e devem ser priorizadas.

Computar
as contas mais pesadas e sobre elas tentar economizar não é uma tarefa tão
difícil. No entanto, um dos grandes vilões do orçamento, e que nem sempre
recebe a devida atenção, são os pequenos gastos.

O
importante é prestar atenção não só nas grandes contas, mas também naquelas
menores, por onde usualmente o dinheiro escoa mais facilmente e sem ser
percebido. Cuide do seu bolso!



Fonte: Finanças Práticas