KIT DE

EDUCAÇÃO
FINANCEIRA:

organize seu dinheiro e

fique no azul!
Sumário
04 Como organizar seu dinheiro e
ficar no azul?

06 Autoconhecimento financeiro

08 Primeiros Passos

Quanto guardar de reserva de

12 emergência?

Montando uma planilha de

14 controle financeiro

Método SMART para

19 traçar metas

23 Comece a investir

25 Conclusão
 Introdução
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Como
organizar seu
dinheiro e
ficar no azul?
 .,7'(('8&$d£2),1$1&(,5$25*$1,=(6(8',1+(,52(),48(12$=8/

Como organizar seu dinheiro e

ficar no azul?

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5
Autoconhecimento
financeiro
 .,7'(('8&$d£2),1$1&(,5$25*$1,=(6(8',1+(,52(),48(12$=8/

Autoconhecimento
financeiro

»Você sabe exatamente quanto ganha?

» Conhece as suas despesas recorrentes?

»Sabe quais são os meses de renda extra

(como bonificações ou 13º)?
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7
Primeiros
Passos
 .,7'(('8&$d£2),1$1&(,5$25*$1,=(6(8',1+(,52(),48(12$=8/

Primeiros Passos

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FRQKHFLPHQWRHHVVHSUREOHPDDFRPHWHDVPDLVGLIHUHQWHV
FODVVHVVRFLDLV3RUWDQWRVHYRFrHVWiTXHUHQGRPXGDUDVXD
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WDUGH$TXLYRFrYDLHQWHQGHUPHOKRUVREUHVXDVSULRULGDGHV
REMHWLYRVFRPRFRPHoDUDLQYHVWLUHPXLWRPDLV

Analise seu
momento atual
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²QDQFHLUDDWXDO9RFrSRVVXLGtYLGDV"4XDLVVmRRVVHXV
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FRPRDOXJXHOHVFRODPHUFDGRDFDGHPLD²QDQFLDPHQWRV
HWF(VWHWDPEpPpRPRPHQWRHPTXHYRFrDQDOLVDTXDQWR
JDQKDSRUPrVHFRPRJDVWDRVHXGLQKHLUR

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LQYHVWLU2LGHDOpGDUSULRULGDGHSDUDTXLWDUDVGtYLGDVFRP
MXURVPDLRUHVYRFrWDPEpPSRGHQHJRFLDUFRPFUHGRUHV

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RUoDPHQWRSRUWDQWRGHYHUiID]HUXPDDQiOLVH
SURIXQGDGHFRPRPXGDUDIRUPDTXHYRFr
XWLOL]DVHXGLQKHLUR

9
 .,7'(('8&$d£2),1$1&(,5$25*$1,=(6(8',1+(,52(),48(12$=8/

Primeiros Passos

Defina
prioridades
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RXORQJRSUD]RDRGH²QLUXPDSULRULGDGHYRFrYDLVDEHU
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DVVLPpSRVVtYHOVHJXLUFRPXPplanejamentoTXHWH
DMXGDUiDFKHJDUOi

Estabeleça
objetivos
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uma OLVWDGHREMHWLYRVTXHSUHFLVDPVHUDOFDQoDGRVSDUD
FRQVHJXLUUHDOL]DUHVVHGHVHMR

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HPDomR

10
 .,7'(('8&$d£2),1$1&(,5$25*$1,=(6(8',1+(,52(),48(12$=8/

Primeiros Passos

Estabeleça
orçamentos
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REMHWLYRVHVWLSXODGRVQRWySLFRDQWHULRU&RQKHFHQGR
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SRGHUiSRXSDUDTXLHQWUDDTXHODDQiOLVHGHJDVWRVIHLWD
DQWHULRUPHQWH

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SODQHMDPHQWRDVVLP²FDPDLVIiFLOHQFRQWUDURVPHOKRUHV
PHLRVSDUDFKHJDUDWpHOH

Invista/
guarde
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FRPRXPDFRQTXLVWDTXHYRFrHVWiDRVSRXFRVDOFDQoDQGR
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YLGDLQGHSHQGHQWHGRVVHXVREMHWLYRVSRLVHVVDpDPHOKRU
PDQHLUDGHRUJDQL]DUVXDV²QDQoDV

11
Quanto
guardar de
reserva de
emergência?
 .,7'(('8&$d£2),1$1&(,5$25*$1,=(6(8',1+(,52(),48(12$=8/

Quanto guardar de
reserva de emergência?

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UHVHUYD

13
Montando uma
planilha
de controle
financeiro
 .,7'(('8&$d£2),1$1&(,5$25*$1,=(6(8',1+(,52(),48(12$=8/

Montando uma reserva de

planilha de
controle financeiro

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GHRUJDQL]DUWRGRVRVVHXVJDVWRVHVDEHUH[DWDPHQWHSDUD
RQGHHVWiLQGRRVHXGLQKHLUR

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melhor gestão financeira dos seus ganhosSRUTXHpD
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SDUDcontrolar pequenos gastos excessivos

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PRYLPHQWDGR

15
 .,7'(('8&$d£2),1$1&(,5$25*$1,=(6(8',1+(,52(),48(12$=8/

Montando uma reserva de

planilha de
controle financeiro

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GHSODQLOKDWDPEpPHHOHVSRGHPVHUPDLVSUiWLFRVGRTXH
XVDUR([FHO

Fazer uma planilha de controle financeiro

do zero pode ser um pouco confuso, por
isso preparamos um modelo pronto para
você já começar a preencher!

Clique aqui e baixe agora nossa

planilha de controle financeiro

&RQILUDDVHJXLUFRPRXVDUDVXDSODQLOKDGH
IRUPDFRUUHWDHDGHULUHVWHKiELWRQDURWLQDGR
VHXGLDDGLD

16
 .,7'(('8&$d£2),1$1&(,5$25*$1,=(6(8',1+(,52(),48(12$=8/

Montando uma reserva de

planilha de
controle financeiro

Separe uma aba da planilha para cada mês

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TXHYRFrYDLFRPHoDUDSUHHQFKHU7XGRSUHFLVDVHUHVFULWR
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VHSDUDURVPHVHVHPDEDVGLIHUHQWHV

Crie colunas para data, valor, histórico e

categoria
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FDWHJRULDVSDUDHVSHFL²FDUFRPRTXrYRFrJDVWRXGLQKHLUR
$GHVFULomRGDGHVSHVDVHUiRVHXKLVWyULFR²QDQFHLUR
SRUH[HPSORYRFrDEDVWHFHXRVHXFDUUREDVWDFRORFDUR
YDORUGDGHVSHVDHGHVFUHYrOD©3RVWRGHJDVROLQD;ªHD
FDWHJRULDSUHHQFKHU©*DVROLQDª

(VWDpXPDIRUPDTXHIDFLOLWDEXVFDVHFRQVXOWDVQDVXD
SODQLOKDFRPLVVRYRFrSRGHVDEHURtotal de gastos dentro
de uma categoria

Gasto no débito, crédito ou dinheiro?

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QDVXDSODQLOKDpRPpWRGRGHSDJDPHQWR&RPRRVHX
GLQKHLURIRLJDVWR"1RFUpGLWR"(PTXDQWDVYH]HV"'pELWR"
6HYRFrSRVVXLPDLVGHXPEDQFRSUHFLVDUiHVSHFL²FDUHVWH
GHWDOKHWDPEpP

17
 .,7'(('8&$d£2),1$1&(,5$25*$1,=(6(8',1+(,52(),48(12$=8/

Montando uma reserva de

planilha de
controle financeiro

Registre até os menores gastos

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VHXVJDVWRV(VVHKiELWRpIXQGDPHQWDOSDUDTXHDVXD
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UHVXOWDGRVUHDLVDUHVSHLWRGRVHXGLQKHLUR

2XVHMDSDUDYRFrHQWHQGHUH[DWDPHQWHDVXDVLWXDomR
VyHQWmRVHUiSRVVtYHOWUDoDUXPSODQRHFULDUPHWDVWXGR
GHYHVHUIHLWRGHDFRUGRFRPDVXDUHDOLGDGH

'HL[DUGHDQRWDUJDVWRVLUiDWUDSDOKDUWRGRRVHX
DQGDPHQWRHDIRUPDFRPRYRFrOLGDFRPGLQKHLURH
HQWmRYRFrYROWDUijHVWDFD]HURAquele cafezinho que
você toma todos os dias, ou a sobremesa após o almoço
podem parecer insignificantes, mas esses são dados muito
importantes e que representam um valor significativo no
final do mês.

Analise seu resultado

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²QDQFHLUDVDEHUTXDLVVmRDVVXDVGHVSHVDV²[DVRQGHR
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²FRXDOJXPDFRQWDSHQGHQWH

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SUy[LPDVGHFLV}HV$SODQLOKDGHYH²FDUPDLVRXPHQRVDVVLP

Forma de
Data Valor Descrição Categoria
Pagamento
3RVWRGH
 5 *DVROLQD 'pELWR
*DVROLQD

 5 3DGDULD &RPLGD 'LQKHLUR

(PSUHVDGH
 5 &DVD 'pELWR
(QHUJLD

18
Método SMART
para traçar
metas
 .,7'(('8&$d£2),1$1&(,5$25*$1,=(6(8',1+(,52(),48(12$=8/

Método SMART
para traçar metas

2PpWRGR60$57FRPRRSUySULRQRPHGL]pXPDIRUPD
LQWHOLJHQWHGHFULDUPHWDVSDUDUHDOL]DUREMHWLYRVHDOFDQoDU
UHVXOWDGRV9RFrSRGHDSOLFiORWDQWRQDVXDYLGDSHVVRDO
TXDQWRSUR²VVLRQDO

2QRPHHPLQJOrVpXPDVLJODRQGHFDGDOHWUDFRUUHVSRQGH
DXPDSDODYUDTXHID]SDUWHGHVWHVLVWHPDVmRHODV

»S de Specific (específico);
»M de Measurable (mensurável);
»A de Achievable (alcançável);
»R de Relevant (relevante);
»T de Time-based (temporal ou prazo).

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GHVHMD$VHJXLUFRQ²UDFRPRFRORFDUHPSUiWLFDFDGDXP
GRVIDWRUHVTXHR0pWRGR60$57VHEDVHLD

20
 .,7'(('8&$d£2),1$1&(,5$25*$1,=(6(8',1+(,52(),48(12$=8/

Método SMART
para traçar metas

Específica
9RFrSUHFLVDVHUespecífico no que realmente quer
SRLVVHUYDJRQRVHXREMHWLYRVyLUiGL²FXOWDUQR
PRPHQWRGHGH²QLUVXDVPHWDV3RUWDQWRGLJDPRV
TXHYRFrTXHLUD©MXQWDUGLQKHLURDWpR²QDOGRDQRª
DPHOKRUFRLVDGHFRQVHJXLULVVRpGHWHUPLQDQGR
TXDQWRH[DWDPHQWHYRFrGHVHMDFRQVHJXLUSRXSDU

'HDFRUGRFRPR0pWRGR60$57DPDQHLUDFRUUHWD
GHFULDUHVWDPHWDVHULD©MXQWDUPLOUHDLVDWpRILQDO
GRDQRª

Mensurável
(VWDpDIRUPDGHacompanhar o progresso das suas
metas$VVLPpSRVVtYHOVDEHUHPTXDOHVWiJLRHOD
HVWiTXDLVVmRRVHVIRUoRVTXHSUHFLVDPVHUIHLWRV
SDUD²QDOL]iODHTXDLVHVWUDWpJLDVSRGHPVHULQFOXtGDV
RXDOWHUDGDVSDUD²QDOL]DURREMHWLYR

2XVHMDYRFrWHUiTXHHVWLSXODUXPSUD]RSDUD
FRQFOXLUDVXDPHWDHDFRPSDQKDURDQGDPHQWRGR
VHXSODQHMDPHQWRDRORQJRGRWHPSRHPTXHHVWDUi
H[HFXWDQGR

21
 .,7'(('8&$d£2),1$1&(,5$25*$1,=(6(8',1+(,52(),48(12$=8/

Método SMART
para traçar metas

Alcançável
$VXDPHWDnão pode ser impossível de cumprirLVVR
VyLUiFDXVDUIUXVWUDomRHDWUDSDOKDUDVXDRUJDQL]DomR
²QDQFHLUD3RUWDQWRYRFrGHYHID]HUXPDDYDOLDomR
FULWHULRVDSDUDTXHHODVHMDDOFDQoiYHOeLPSRUWDQWH
ID]HUDOJXPDVSHUJXQWDVFRPRYRFrMiWHQWRX
HVWDPHWDDQWHULRUPHQWHHIDOKRX"2TXHSRGHVHU
PXGDGR"

Relevante
$UHOHYkQFLDPHGHDimportânciaHWHPUHODomRFRP
DPRWLYDomRSDUDUHDOL]iOD(VWHIDWRUWDPEpPDMXGD
DHOHQFDUSULRULGDGHVDVVLPYRFrSRGHFRPHoDUSHODV
PHWDVPDLVXUJHQWHV
9RFrGHYHHQFDUDUDVPHWDVFRPRXPDHVFDGD
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