{"id":5664,"date":"2021-08-08T21:49:50","date_gmt":"2021-08-08T19:49:50","guid":{"rendered":"https:\/\/test.lica.ch\/?p=5664"},"modified":"2025-11-16T12:13:26","modified_gmt":"2025-11-16T10:13:26","slug":"gerir-bem-as-financas-e-otimizar-o-orcamento","status":"publish","type":"post","link":"https:\/\/www.lica.ch\/pt\/solvabilite\/bien-gerer-ses-finances-et-optimiser-son-budget\/","title":{"rendered":"As regras de ouro para gerir bem as finan\u00e7as"},"content":{"rendered":"<p class=\"wp-block-paragraph\" id=\"viewer-n9ok\">Entre encargos fixos, imprevistos e compras \"para agradar a si pr\u00f3prio\" ou \"para agradar aos outros\", nem sempre \u00e9 f\u00e1cil gerir bem as suas finan\u00e7as. Qualquer que seja o seu rendimento mensal, \u00e9 essencial aprender a gerir melhor o seu dinheiro. Com estes conselhos, pode ter a certeza de conseguir uma independ\u00eancia financeira a longo prazo.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"viewer-823p2\">Porque \u00e9 que \u00e9 vital aprender a gerir corretamente as suas finan\u00e7as?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-97nq4\">Ao contr\u00e1rio do que se pensa, n\u00e3o s\u00e3o apenas os \"ricos\" que precisam de aprender a gerir as suas finan\u00e7as. Seja qual for o montante total da sua conta banc\u00e1ria, \u00e9 a forma como gere o seu dinheiro que o ajudar\u00e1 a evitar as dificuldades da vida. Assim, mesmo que ganhe pouco dinheiro, mas tenha um controlo total sobre as suas despesas, viver\u00e1 confortavelmente, ter\u00e1 as compet\u00eancias necess\u00e1rias para atingir os seus objectivos e n\u00e3o ter\u00e1 dificuldades financeiras. Por outro lado, mesmo que ganhe muito dinheiro mas n\u00e3o tenha um controlo total sobre as suas despesas e rendimentos, rapidamente se encontrar\u00e1 no vermelho. O que importa \u00e9 a gest\u00e3o, n\u00e3o o montante.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"viewer-5mo0i\">As chaves para gerir as suas finan\u00e7as<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-c0cga\">Chegou o momento de recuperar o controlo total das suas finan\u00e7as! Eis alguns conselhos para o ajudar a gerir melhor o seu dinheiro e a otimizar as suas despesas de forma mais eficaz:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"viewer-2gm7i\">Entradas de caixa &gt; Desembolsos de caixa<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-88r3g\">Esta \u00e9 uma das regras de ouro que o ajudar\u00e1 a gerir melhor as suas finan\u00e7as: certifique-se sempre de que entra mais dinheiro do que sai. Esta \u00e9 a \u00fanica forma de evitar que a sua conta banc\u00e1ria fique no vermelho. Para isso, \u00e9 preciso aprender a distinguir entre \"activos\" e \"passivos\". Um ativo \u00e9 uma despesa cujo valor aumenta com o tempo e pode gerar rendimentos. Um passivo, por outro lado, \u00e9 uma despesa cujo valor diminui com o tempo. \u00c9 isso mesmo: maximizar a compra de activos e minimizar a compra de passivos na medida do poss\u00edvel.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"viewer-6dnag\">Identificar claramente os custos fixos<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-7imtt\">Quer o seu sal\u00e1rio seja fixo ou n\u00e3o todos os meses, \u00e9 importante ter uma ideia clara dos seus custos mensais fixos. Na maioria dos casos, este \u00e9 o principal erro que os trabalhadores por conta de outrem e os trabalhadores independentes cometem. N\u00e3o se pode fazer uma \"estimativa\" a olho nu. \u00c9 preciso fazer as contas e identificar claramente o montante fixo que tem de pagar todos os meses. Se os seus custos fixos excederem 70 % dos seus custos totais, precisa de fazer algumas altera\u00e7\u00f5es para voltar ao equil\u00edbrio. Fa\u00e7a a si pr\u00f3prio esta pergunta: este estilo de vida \u00e9 realmente adequado ao meu rendimento? Se n\u00e3o for, tem de retificar a situa\u00e7\u00e3o rapidamente, antes que esta o prejudique a longo prazo. Eis as etapas a seguir para fazer uma estimativa or\u00e7amental exacta:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Levar 1 papel e 1 caneta<\/li>\n\n\n\n<li>Enumerar todas as entradas de caixa numa \u00fanica sec\u00e7\u00e3o<\/li>\n\n\n\n<li>Enumerar todas as despesas noutra sec\u00e7\u00e3o<\/li>\n\n\n\n<li>Estabelecer uma distin\u00e7\u00e3o clara entre custos fixos e vari\u00e1veis<\/li>\n\n\n\n<li>Definir um objetivo de poupan\u00e7a mensal<\/li>\n\n\n\n<li>Eliminar todas as despesas desnecess\u00e1rias<\/li>\n\n\n\n<li>Subtrair as entradas de caixa das sa\u00eddas de caixa<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-7vodd\">\u00c9 preciso ter sempre os p\u00e9s assentes na terra. O or\u00e7amento deve ser n\u00e3o s\u00f3 o mais exato poss\u00edvel, mas tamb\u00e9m o mais realista poss\u00edvel.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"viewer-afhni\">Despesas mensais<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-fqlo6\">Recebe um sal\u00e1rio mensal? Ent\u00e3o, porque n\u00e3o pagar tamb\u00e9m as suas despesas numa base mensal, na medida do poss\u00edvel? Por vezes, \u00e9 tentador adiar os prazos para enfrentar melhor as dificuldades financeiras ocasionais. Mas \u00e9 precisamente assim que se perdem de vista as despesas. O pagamento mensal de todos os custos fixos permitir-lhe-\u00e1 manter um controlo preciso das suas despesas e ajud\u00e1-lo-\u00e1 mesmo a atingir melhor os seus objectivos. Al\u00e9m disso, permite-lhe evitar o stress quando os prazos se aproximam rapidamente. Se puder, pague todas as suas despesas no in\u00edcio ou no fim do m\u00eas.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"viewer-atf63\">Poupe o seu dinheiro!<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-bcl7t\">O que \u00e9 a poupan\u00e7a? \u00c9 um montante guardado em contas de poupan\u00e7a seguras. As pessoas nem sempre pensam nisso, mas a poupan\u00e7a \u00e9 uma ferramenta fundamental (se n\u00e3o a mais importante) para uma melhor gest\u00e3o financeira. Para que vai utilizar essa parte do seu dinheiro que n\u00e3o vai ser usada imediatamente? Existem diferentes tipos de poupan\u00e7a:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Poupan\u00e7a por precau\u00e7\u00e3o: para o ajudar a enfrentar os imprevistos da vida<\/li>\n\n\n\n<li>Poupan\u00e7a de provis\u00f5es limitadas: para despesas n\u00e3o mensais<\/li>\n\n\n\n<li>Poupan\u00e7a para projectos: o montante necess\u00e1rio para financiar os seus projectos<\/li>\n\n\n\n<li>Reservas: um montante que s\u00f3 deve ser afetado se for realmente necess\u00e1rio<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-bpdin\">O montante a poupar depende inteiramente de cada caso. No entanto, recomenda-se que poupe entre 10 e 15 % do seu rendimento. Se puder, pode at\u00e9 fazer mais.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"viewer-beqid\">Utilizar ferramentas de gest\u00e3o or\u00e7amental<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-df50t\">Manter um controlo constante do seu or\u00e7amento \u00e9, portanto, essencial. Infelizmente, nem sempre tem tempo para se dedicar ao controlo do seu or\u00e7amento. A boa not\u00edcia \u00e9 que existem ferramentas que podem fazer esse trabalho por si. Pode utilizar ferramentas e aplica\u00e7\u00f5es especializadas. Gra\u00e7as a estas ferramentas de gest\u00e3o or\u00e7amental, pode: categorizar as suas despesas, receber um alerta sempre que entra ou sai dinheiro, calcular as suas despesas de forma mais eficaz, acompanhar a evolu\u00e7\u00e3o do seu or\u00e7amento atrav\u00e9s de uma visualiza\u00e7\u00e3o gr\u00e1fica, ter uma vis\u00e3o global em tempo real do dinheiro que lhe resta, identificar melhor as suas despesas fixas e vari\u00e1veis, etc. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">A aplica\u00e7\u00e3o FastBudget<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-df50t\">Como pode instalar as aplica\u00e7\u00f5es no seu smartphone, pode ter a certeza de estar sempre atento ao seu or\u00e7amento. Onde quer que esteja e quando quiser, pode marcar as suas despesas. Uma forma muito eficaz de gerir as suas finan\u00e7as. No Lica, consideramos que a aplica\u00e7\u00e3o <a class=\"lien-blog\" href=\"https:\/\/fastbudget.app\/\" target=\"_blank\" rel=\"noreferrer noopener\">FastBudget<\/a> \u00e9 a forma ideal de gerir o seu or\u00e7amento!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"viewer-e0m94\">Gerir as suas finan\u00e7as em conclus\u00e3o...<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-cj3r\">Antes de efetuar <a class=\"lien-blog\" href=\"https:\/\/www.lica.ch\/pt\/demande-de-credit-choix-option\/\" target=\"_blank\" rel=\"noreferrer noopener\">o seu cr\u00e9dito com Lica<\/a>Se n\u00e3o tem a certeza do que fazer, pe\u00e7a conselhos aos nossos operadores para garantir um bom or\u00e7amento. No Lica, defendemos o cr\u00e9dito respons\u00e1vel e propomos-lhe um neg\u00f3cio sem compromisso com condi\u00e7\u00f5es muito atractivas. Al\u00e9m disso, pode receber um cashback at\u00e9 CHF 5'000.- com o seu financiamento. Assim, tem a garantia de um aconselhamento neutro e das melhores condi\u00e7\u00f5es na Su\u00ed\u00e7a. <a class=\"lien-blog\" href=\"https:\/\/www.lica.ch\/pt\/\" target=\"_blank\" rel=\"noreferrer noopener\">Candidatar-se discretamente a um novo financiamento ou a comprar um financiamento existente<\/a>. Poupar\u00e1 dinheiro e beneficiar\u00e1 de \u00f3ptimas condi\u00e7\u00f5es!<\/p>","protected":false},"excerpt":{"rendered":"<p>Entre les charges fixes, les impr\u00e9vus et les achats \u00ab pour se faire plaisir \u00bb ou \u00ab pour faire plaisir \u00bb, il n\u2019est pas toujours simple de bien g\u00e9rer ses finances. Quel que soit le montant que vous percevez mensuellement, sachez qu\u2019il est indispensable d\u2019apprendre \u00e0 mieux g\u00e9rer son argent. Gr\u00e2ce \u00e0 ces quelques conseils, [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":27951,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[42],"tags":[],"class_list":["post-5664","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-solvabilite"],"_yoast_wpseo_focuskw":"Bien g\u00e9rer ses finances","_yoast_wpseo_title":"Bien g\u00e9rer ses finances et indispensable pour optimiser son budget","_yoast_wpseo_metadesc":"Bien g\u00e9rer ses finances permet d'optimiser son budget et d'\u00e9pargner plus facilement. Lica Cr\u00e9dit vous explique comment y parvenir.","yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Bien g\u00e9rer ses finances et indispensable pour optimiser son budget<\/title>\n<meta name=\"description\" content=\"Bien g\u00e9rer ses finances permet d&#039;optimiser son budget et d&#039;\u00e9pargner plus facilement. 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