{"id":759,"date":"2023-05-10T14:08:10","date_gmt":"2023-05-10T12:08:10","guid":{"rendered":"https:\/\/regbu.com\/?p=759"},"modified":"2025-09-05T07:42:25","modified_gmt":"2025-09-05T05:42:25","slug":"rodinny-financni-plan-vas-muze-zachranit","status":"publish","type":"post","link":"https:\/\/regbu.com\/pt\/plano-financeiro-familiar-vas-pode-poupar\/","title":{"rendered":"Um plano financeiro familiar pode poupar-lhe"},"content":{"rendered":"<p>Um plano financeiro ou or\u00e7amento familiar tem muito peso e import\u00e2ncia. Embora muitas pessoas n\u00e3o se apercebam disso, \u00e9 esta gest\u00e3o do dinheiro <strong>pode revelar as insufici\u00eancias das suas despesas<\/strong>O sistema de gest\u00e3o de fundos, que permite poupar dinheiro e cumprir os seus planos futuros. Os passos necess\u00e1rios para a sua cria\u00e7\u00e3o s\u00e3o bastante simples.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Compara\u00e7\u00e3o de receitas e despesas<\/li>\n\n\n\n<li>Concep\u00e7\u00e3o dos objectivos e da estrat\u00e9gia financeira<\/li>\n\n\n\n<li>Cumprimento do plano financeiro<\/li>\n<\/ul>\n\n\n\n<p>\u00c9 claro que situa\u00e7\u00f5es inesperadas podem agravar o or\u00e7amento familiar. \u00c9 necess\u00e1rio adaptar-se a elas e resolv\u00ea-las. Um exemplo t\u00edpico \u00e9 quando as despesas excedem os rendimentos. Pode tamb\u00e9m incluir no seu plano <a href=\"https:\/\/regbu.com\/pt\/as-possibilidades-de-investimento-sao-bastante-ricas\/\"><strong>oportunidades de investimento<\/strong><\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Come\u00e7ar desde o in\u00edcio<\/h2>\n\n\n\n<p>Antes de come\u00e7ar a elaborar um plano financeiro familiar, pense nos aspectos mais importantes. Como \u00e9 que o quer gerir? <em>Existem v\u00e1rias op\u00e7\u00f5es utiliz\u00e1veis<\/em>cada uma das quais apresenta certas vantagens e desvantagens. A solu\u00e7\u00e3o escolhida pode variar consoante os interesses, as gera\u00e7\u00f5es e as pessoas.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Assunto<\/strong><\/td><td><strong>Valor<\/strong><\/td><\/tr><tr><td>L\u00e1pis e papel<\/td><td>Barato mas trabalhoso<\/td><\/tr><tr><td>Folha de c\u00e1lculo Excel<\/td><td>Pr\u00e1tico e para os mais experientes<\/td><\/tr><tr><td>Aplica\u00e7\u00f5es m\u00f3veis<\/td><td>Flex\u00edvel e sempre consigo<\/td><\/tr><tr><td>M\u00e9todo do envelope<\/td><td>Conservador e simples<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">M\u00e9todos para manter registos do seu plano financeiro familiar.<\/figcaption><\/figure>\n\n\n\n<p>Provavelmente, todos adivinham correctamente que um plano financeiro familiar consiste principalmente em manter um registo dos rendimentos e das despesas, que podem ser utilizados como base. Se escrever tudo no papel, os ajustamentos s\u00e3o trabalhosos e muitas vezes imposs\u00edveis. A este respeito, o formul\u00e1rio electr\u00f3nico est\u00e1 em vantagem, que tamb\u00e9m pode ter sempre \u00e0 m\u00e3o.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Plano financeiro familiar - M\u00e9todo do envelope<\/h3>\n\n\n\n<p>O m\u00e9todo do envelope \u00e9, antes de mais, uma quest\u00e3o para os nossos pais e m\u00e3es. Como n\u00e3o dispunham de meios modernos em casa, optaram pelo <strong>a forma mais vi\u00e1vel<\/strong>. Note-se que este m\u00e9todo se mant\u00e9m at\u00e9 aos dias de hoje. Algumas pessoas gostam de voltar ao m\u00e9todo do envelope e consideram-no a base do seu or\u00e7amento familiar.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>No m\u00e9todo do envelope, divide-se o dinheiro em envelopes individuais. Estes s\u00e3o descritos e cada um deles \u00e9 utilizado para financiar coisas diferentes. <\/p>\n<cite>Mike P., Consultor Financeiro.<\/cite><\/blockquote>\n\n\n\n<p>Assim, sabe rapidamente como est\u00e1 a evoluir o seu plano financeiro familiar e quanto dinheiro lhe resta. Por outro lado, existe o risco de perder o envelope e perder as suas finan\u00e7as.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"577\" src=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/tvorba-financniho-planu-1024x577.jpg\" alt=\"\" class=\"wp-image-761\" srcset=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/tvorba-financniho-planu-1024x577.jpg 1024w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/tvorba-financniho-planu-300x169.jpg 300w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/tvorba-financniho-planu-768x433.jpg 768w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/tvorba-financniho-planu-18x10.jpg 18w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/tvorba-financniho-planu.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Este \u00e9 o aspecto que um registo de receitas pode ter num quadro de avisos.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Plano financeiro familiar - Receitas e despesas<\/h2>\n\n\n\n<p>O passo seguinte na cria\u00e7\u00e3o de um plano financeiro familiar \u00e9 a j\u00e1 referida triagem das finan\u00e7as. <em>Fa\u00e7a uma lista completa de todos os rendimentos do seu agregado familiar<\/em>incluindo v\u00e1rias presta\u00e7\u00f5es, rendimentos secund\u00e1rios, rendimentos pontuais, etc. O or\u00e7amento familiar tem basicamente tr\u00eas pontos principais.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Receitas<\/li>\n\n\n\n<li>Despesas<\/li>\n\n\n\n<li>Comparar<\/li>\n<\/ul>\n\n\n\n<p>Mesmo dentro das despesas, n\u00e3o deve negligenciar nenhum dos itens importantes. A prop\u00f3sito, classifique-as em grupos apropriados, quer se trate de despesas necess\u00e1rias, desnecess\u00e1rias, de entretenimento, de funcionamento da casa, etc.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Modelo de or\u00e7amento familiar<\/h3>\n\n\n\n<p>\u00c0 primeira vista, tudo pode parecer bastante complicado, mas n\u00e3o \u00e9. Um plano financeiro familiar consiste essencialmente numa compara\u00e7\u00e3o entre rendimentos e despesas. <strong>Colocar todos os seus rendimentos numa \u00fanica pilha<\/strong> e dividi-los de acordo com um dos padr\u00f5es habituais. Apresentamos um deles no quadro seguinte.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Assunto<\/strong><\/td><td><strong>Valor<\/strong><\/td><\/tr><tr><td>70 %<\/td><td>Despesas de subsist\u00eancia necess\u00e1rias<\/td><\/tr><tr><td>20 %<\/td><td>Poupan\u00e7a a curto prazo<\/td><\/tr><tr><td>10 %<\/td><td>Entretenimento e outras coisas<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Um dos modelos mais populares de redistribui\u00e7\u00e3o de fundos no seio do agregado familiar.<\/figcaption><\/figure>\n\n\n\n<p>Este \u00e9 um plano financeiro familiar aproximado, que pode, naturalmente, assumir diferentes formas. Os or\u00e7amentos familiares mais detalhados com uma divis\u00e3o 50-10-10-10, em que cada categoria \u00e9 atribu\u00edda a uma despesa espec\u00edfica, n\u00e3o s\u00e3o excep\u00e7\u00e3o.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Aumento das receitas em rela\u00e7\u00e3o \u00e0s despesas<\/h3>\n\n\n\n<p>Logicamente, para poder estabelecer com \u00eaxito um plano financeiro familiar, \u00e9 necess\u00e1rio cumprir uma das condi\u00e7\u00f5es mais b\u00e1sicas. Os rendimentos devem ser sempre superiores \u00e0s despesas. Se n\u00e3o for esse o caso, mude-o. Sem esta defini\u00e7\u00e3o b\u00e1sica, dificilmente atingir\u00e1 os objectivos pretendidos.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Pode aumentar o seu rendimento, por exemplo, atrav\u00e9s de uma promo\u00e7\u00e3o no trabalho, de um emprego a tempo parcial ou de outros tipos de rendimento extra. <\/p>\n<cite>Mark S., economista.<\/cite><\/blockquote>\n\n\n\n<p>\u00c9 claro que pode abordar a situa\u00e7\u00e3o pelo outro lado. Se as suas despesas excedem o seu rendimento, ent\u00e3o trabalhe para reduzir as suas despesas. <em>Estabelecer um or\u00e7amento familiar<\/em> Tamb\u00e9m o ajudar\u00e1 a identificar despesas desnecess\u00e1rias e \u00e1reas onde se podem fazer poupan\u00e7as.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"579\" src=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/spava-penez-v-mobilu-1024x579.jpg\" alt=\"Um plano financeiro familiar no telem\u00f3vel \u00e9 uma solu\u00e7\u00e3o popular.\" class=\"wp-image-762\" srcset=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/spava-penez-v-mobilu-1024x579.jpg 1024w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/spava-penez-v-mobilu-300x170.jpg 300w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/spava-penez-v-mobilu-768x434.jpg 768w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/spava-penez-v-mobilu-18x10.jpg 18w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/spava-penez-v-mobilu.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Pode controlar o dinheiro que gasta no seu telem\u00f3vel, o que traz muitos benef\u00edcios.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">O plano financeiro familiar deve ser respeitado<\/h2>\n\n\n\n<p>Um or\u00e7amento familiar bem-sucedido tem a ver com o seu cumprimento a longo prazo. Claro que isso depende do grau de pormenor com que regista os seus rendimentos e despesas. Anotar cada c\u00eantimo que gasta pode ser mais trabalhoso, mais dif\u00edcil e, muitas vezes, n\u00e3o dura mais do que alguns meses. <strong>No entanto, o or\u00e7amento familiar tamb\u00e9m pode ser tratado de forma mais benevolente<\/strong>. Depende dos objectivos que se pretende atingir.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Actualizar regularmente o seu or\u00e7amento<\/li>\n\n\n\n<li>Adaptar-se a altera\u00e7\u00f5es financeiras significativas<\/li>\n\n\n\n<li>Definir objectivos adequados<\/li>\n<\/ul>\n\n\n\n<p>O plano financeiro familiar ideal \u00e9 aquele em que se disp\u00f5e de fundos excedent\u00e1rios. Ponham-nos de lado ao mesmo tempo e, na melhor das hip\u00f3teses, invistam, poupem e valorizem o dinheiro que sobra.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">A defini\u00e7\u00e3o de objectivos \u00e9 a base<\/h3>\n\n\n\n<p>O or\u00e7amento familiar \u00e9 geralmente abordado por pessoas que n\u00e3o se d\u00e3o bem com as suas finan\u00e7as ou que apenas querem perseguir sonhos pessoais. Trata-se, sem d\u00favida, de estabelecer um objectivo claramente definido. Simultaneamente, ajustar o plano financeiro familiar de acordo com o mesmo, de forma a trabalhar para o resultado desejado.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Assunto<\/strong><\/td><td><strong>Valor<\/strong><\/td><\/tr><tr><td>Objectivos do plano financeiro<\/td><td>Carro, f\u00e9rias, etc.<\/td><\/tr><tr><td>Data de aplica\u00e7\u00e3o<\/td><td>Meses a anos<\/td><\/tr><tr><td>Ajustamento do plano financeiro<\/td><td>Com rendimentos e despesas mais elevados<\/td><\/tr><tr><td>Cumprimento do plano<\/td><td>S\u00f3 depois de atingir o objectivo<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Defina um objectivo para o seu plano financeiro familiar e comece a segui-lo com o m\u00e1ximo cuidado.<\/figcaption><\/figure>\n\n\n\n<p>Se definir objectivos que pretende alcan\u00e7ar em termos financeiros ao longo de v\u00e1rios anos, deve <em>aderir e manter um or\u00e7amento familiar<\/em>. Uma mudan\u00e7a na sua situa\u00e7\u00e3o de vida em termos de dinheiro pode aproxim\u00e1-lo ou afast\u00e1-lo desse objectivo, o que deve ser resolvido atrav\u00e9s do ajustamento do seu plano financeiro familiar.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">A reserva desempenha um papel fundamental<\/h3>\n\n\n\n<p>Independentemente da forma como gere as suas finan\u00e7as, concentre-se numa coisa essencial no in\u00edcio. Trata-se de uma reserva financeira que o ajudar\u00e1 a fazer face \u00e0s despesas durante algumas semanas ou meses. Quando se tem uma reserva financeira adequada, tamb\u00e9m se tem uma melhor sensa\u00e7\u00e3o de seguran\u00e7a.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Regra geral, a reserva financeira deve ser tal que lhe permita cobrir todas as despesas necess\u00e1rias sem rendimentos regulares durante, pelo menos, quatro a seis meses. <\/p>\n<cite>Wilson P., consultor financeiro.<\/cite><\/blockquote>\n\n\n\n<p>Uma reserva financeira no \u00e2mbito de um or\u00e7amento familiar n\u00e3o tem de funcionar apenas como uma fonte de dinheiro quando se est\u00e1 desempregado. Pode servir para <strong>cobrir despesas imprevistas e mais elevadas<\/strong>. Um exemplo t\u00edpico \u00e9 uma m\u00e1quina de lavar roupa, uma caldeira el\u00e9ctrica, um autom\u00f3vel, etc., danificados.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"578\" src=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/rozpocet-v-mobilu-1024x578.jpg\" alt=\"\" class=\"wp-image-763\" srcset=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/rozpocet-v-mobilu-1024x578.jpg 1024w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/rozpocet-v-mobilu-300x169.jpg 300w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/rozpocet-v-mobilu-768x433.jpg 768w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/rozpocet-v-mobilu-18x10.jpg 18w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/rozpocet-v-mobilu.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">O plano financeiro familiar m\u00f3vel \u00e9 uma solu\u00e7\u00e3o moderna que \u00e9 utilizada por muitos jovens e idosos.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Plano financeiro familiar e sua avalia\u00e7\u00e3o<\/h2>\n\n\n\n<p>A revis\u00e3o regular do plano financeiro familiar tamb\u00e9m desempenha um papel importante. Pelo menos uma ou duas vezes por m\u00eas, verifique se <em>o montante do saldo corresponde aos seus registos<\/em>. Ajustes maiores no or\u00e7amento familiar s\u00e3o apropriados a cada dois ou tr\u00eas meses, dependendo da evolu\u00e7\u00e3o do seu plano financeiro e da sua capacidade de o cumprir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Perguntas e respostas mais frequentes<\/h3>\n\n\n\n<p>Como se pode adivinhar, um plano financeiro familiar n\u00e3o \u00e9 nada de muito complicado. Por outro lado, \u00e9 um exerc\u00edcio de manuten\u00e7\u00e3o de registos que, em certa medida, exige a devida coer\u00eancia. Se quiser obter mais informa\u00e7\u00f5es valiosas a este respeito, leia as perguntas e respostas que se seguem.<\/p>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1683892847507\"><strong class=\"schema-faq-question\">Quais s\u00e3o os princ\u00edpios fundamentais de um or\u00e7amento familiar?<\/strong> <p class=\"schema-faq-answer\">Em primeiro lugar, defina objectivos realistas que possa alcan\u00e7ar. Depois, fa\u00e7a uma reserva de dinheiro e continue a pagar as suas d\u00edvidas. Resolva rapidamente qualquer problema de dinheiro.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1683892858228\"><strong class=\"schema-faq-question\">\u00c9 adequado incluir investimentos no plano financeiro?<\/strong> <p class=\"schema-faq-answer\">Se a sua situa\u00e7\u00e3o financeira o permitir, opte por investimentos com juros mais elevados. Sobretudo os de longo prazo.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1683892867353\"><strong class=\"schema-faq-question\">Como interpretar o plano financeiro 50-10-10-10?<\/strong> <p class=\"schema-faq-answer\">Esta distribui\u00e7\u00e3o de fundos segue uma regra simples. Cinquenta por cento do rendimento vai para as compras correntes. Os outros dez por cento incluem entretenimento, liberdade financeira, grandes compras, educa\u00e7\u00e3o e presentes.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1683892876261\"><strong class=\"schema-faq-question\">Qual \u00e9 a vantagem de manter um plano financeiro atrav\u00e9s de uma aplica\u00e7\u00e3o m\u00f3vel?<\/strong> <p class=\"schema-faq-answer\">Pode registar instantaneamente todas as suas despesas e rendimentos. Pode acompanhar as suas finan\u00e7as e obter os gr\u00e1ficos, or\u00e7amentos e c\u00e1lculos de que necessita.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1683892885418\"><strong class=\"schema-faq-question\">O m\u00e9todo do envelope existe em formato electr\u00f3nico?<\/strong> <p class=\"schema-faq-answer\">Sim, muitos bancos oferecem envelopes virtuais atrav\u00e9s das suas contas correntes e de poupan\u00e7a.<\/p> <\/div> <\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Um plano financeiro familiar para todos<\/h3>\n\n\n\n<p>Se ainda n\u00e3o se debru\u00e7ou sobre as suas finan\u00e7as pessoais sob a forma de um or\u00e7amento familiar, talvez seja altura de o experimentar. Apostar em <strong>plano financeiro familiar<\/strong> e p\u00f4r o seu dinheiro em ordem. Isto ajud\u00e1-lo-\u00e1 a atingir os seus objectivos muito mais rapidamente.<\/p>","protected":false},"excerpt":{"rendered":"<p>Um plano financeiro ou or\u00e7amento familiar tem muito peso e import\u00e2ncia. Embora muitas pessoas n\u00e3o se apercebam disso, \u00e9 esta gest\u00e3o do dinheiro que pode revelar as defici\u00eancias das suas despesas, ajudar a poupar dinheiro e permitir-lhe cumprir os seus planos futuros. A sua implementa\u00e7\u00e3o \u00e9 bastante simples. \u00c9 claro que situa\u00e7\u00f5es inesperadas podem contribuir para o processo de elabora\u00e7\u00e3o do or\u00e7amento familiar. Estas ... <\/p>","protected":false},"author":2,"featured_media":760,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[603,604,607,421,602,605,467,608,606,468],"class_list":["post-759","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-financni-plan","tag-plan","tag-porovnani","tag-prijmy","tag-rodinny-financni-plan","tag-rodinny-rozpocet","tag-rozpocet","tag-srovnani","tag-strategie","tag-vydaje"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Rodinn\u00fd finan\u010dn\u00ed pl\u00e1n V\u00e1s m\u016f\u017ee zachr\u00e1nit - REGBU.COM<\/title>\n<meta name=\"description\" content=\"Sestavte si rodinn\u00fd finan\u010dn\u00ed pl\u00e1n a najd\u011bte mezery ve sv\u00e9m rodinn\u00e9m rozpo\u010dtu. 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