{"id":1651,"date":"2021-01-26T16:54:15","date_gmt":"2021-01-26T19:54:15","guid":{"rendered":"https:\/\/naoseiinvestir.com\/?p=1651"},"modified":"2021-01-26T16:54:17","modified_gmt":"2021-01-26T19:54:17","slug":"equilibrio-entre-poupar-e-gastar","status":"publish","type":"post","link":"https:\/\/naoseiinvestir.com\/index.php\/2021\/01\/26\/equilibrio-entre-poupar-e-gastar\/","title":{"rendered":"Equil\u00edbrio entre poupar e gastar"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/naoseiinvestir.com\/wp-content\/uploads\/2021\/01\/Copia-de-Poupanca-2-2-1024x576.jpg\" alt=\"Equil\u00edbrio entre poupar e gastar\" class=\"wp-image-1652\" srcset=\"https:\/\/naoseiinvestir.com\/wp-content\/uploads\/2021\/01\/Copia-de-Poupanca-2-2-1024x576.jpg 1024w, https:\/\/naoseiinvestir.com\/wp-content\/uploads\/2021\/01\/Copia-de-Poupanca-2-2-300x169.jpg 300w, https:\/\/naoseiinvestir.com\/wp-content\/uploads\/2021\/01\/Copia-de-Poupanca-2-2-768x432.jpg 768w, https:\/\/naoseiinvestir.com\/wp-content\/uploads\/2021\/01\/Copia-de-Poupanca-2-2-1536x864.jpg 1536w, https:\/\/naoseiinvestir.com\/wp-content\/uploads\/2021\/01\/Copia-de-Poupanca-2-2-2048x1152.jpg 2048w, https:\/\/naoseiinvestir.com\/wp-content\/uploads\/2021\/01\/Copia-de-Poupanca-2-2-1110x624.jpg 1110w, https:\/\/naoseiinvestir.com\/wp-content\/uploads\/2021\/01\/Copia-de-Poupanca-2-2-528x297.jpg 528w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">As melhores solu\u00e7\u00f5es n\u00e3o costumam estar nos extremos, mas sim no meio termo. Vamos conversar um pouco sobre o equil\u00edbrio necess\u00e1rio entre poupar e gastar.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Poupar<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Investir \u00e9 essencial. A previd\u00eancia social \u00e9 um mecanismo com uma s\u00e9rie de problemas e no qual n\u00e3o \u00e9 prudente confiar. Delegar ao governo a tranquilidade de um sal\u00e1rio na velhice \u00e9 irrespons\u00e1vel e ing\u00eanuo. A aposentadoria vai vir? Haver\u00e1 recursos para sustentar os pagamentos? As regras v\u00e3o mudar? A legisla\u00e7\u00e3o vai mudar?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Imposs\u00edvel saber.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Assim, o mais prudente \u00e9 poupar uma quantia mensal e investir essa poupan\u00e7a de modo a acumular patrim\u00f4nio, criar reservas e construir uma aposentadoria que n\u00e3o dependa da previd\u00eancia social.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sugest\u00e3o de leitura: <a href=\"https:\/\/naoseiinvestir.com\/index.php\/2021\/01\/04\/o-que-e-renda-passiva\/\" target=\"_blank\" rel=\"noreferrer noopener\">Renda Passiva<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Muitos ativos geram renda passiva, como <a href=\"https:\/\/naoseiinvestir.com\/index.php\/2020\/12\/30\/o-que-sao-acoes\/\" target=\"_blank\" rel=\"noreferrer noopener\">a\u00e7\u00f5es <\/a>e <a href=\"https:\/\/naoseiinvestir.com\/index.php\/2021\/01\/05\/o-que-sao-fundos-de-investimento-imobiliario\/\" target=\"_blank\" rel=\"noreferrer noopener\">FIIs<\/a>, por exemplo, o que pode proporcionar um bom sal\u00e1rio no longo prazo. Construir patrim\u00f4nio \u00e9 um caminho interessant\u00edssimo para ter tranquilidade financeira.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Gastar<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Gastos excessivos, acima da renda, geram d\u00edvidas, as quais comprometem nossa capacidade de poupar e investir. As d\u00edvidas e os <a href=\"https:\/\/naoseiinvestir.com\/index.php\/2020\/11\/10\/o-que-sao-juros-compostos\/\" target=\"_blank\" rel=\"noreferrer noopener\">juros<\/a> geram uma diminui\u00e7\u00e3o absurda de patrim\u00f4nio no longo prazo.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Assim, \u00e9 necess\u00e1rio evitar d\u00edvidas. Antecipar o consumo daquilo que ainda n\u00e3o temos condi\u00e7\u00e3o de possuir acaba gerando os seguintes efeitos:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>o nosso consumo se torna mais caro, pois pagamos mais para adquirir um bem que sairia mais barato \u00e0 vista;<\/li><li>os juros de d\u00edvida s\u00e3o dinheiro indo embora por nada, pois pagamos valores a mais (juros) sem receber nada em troca;<\/li><li>o dinheiro que gastamos em d\u00edvida poderia estar sendo aplicado e rendendo juros ao nosso favor, ou seja, nosso patrim\u00f4nio sofre por todos os lados quando temos d\u00edvidas: naquilo que pagamos e naquilo que deixamos de ganhar.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Sugest\u00e3o de leitura: <a href=\"https:\/\/naoseiinvestir.com\/index.php\/2020\/10\/29\/dividas-nao-faca-isso\/\" target=\"_blank\" rel=\"noreferrer noopener\">D\u00edvidas<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Quanto aos gastos mensais comuns, temos que ter um padr\u00e3o coerente com nossos ganhos. A regra \u00e9 simples: n\u00e3o gaste mais do que ganha. Adicionalmente, fa\u00e7a sobrar ao menos 10% dos rendimentos para investir. Se voc\u00ea ganhar muito pouco, por outro lado, melhor investir em capacita\u00e7\u00e3o para ganhar mais e poder poupar mais.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Investir em voc\u00ea sempre vale a pena.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Equil\u00edbrio<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e1 pessoas que gastam muito mais do que ganham, entram em d\u00edvidas e veem seu dinheiro ir embora. Mais de 60% da popula\u00e7\u00e3o brasileira possui d\u00edvidas. Por outro lado, h\u00e1 aqueles que poupam compulsivamente, gastando o m\u00ednimo poss\u00edvel e abrindo m\u00e3o de lazer e de qualquer coisa que n\u00e3o seja estritamente essencial.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nenhum dos dois caminhos \u00e9 saud\u00e1vel.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c9 necess\u00e1rio poupar e investir, mas isso precisa ser feito de forma sustent\u00e1vel: separando um percentual do sal\u00e1rio e buscando aumentar as fontes de renda, n\u00e3o efetuar cortes e mais cortes de gastos. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sugest\u00e3o de leitura: <a href=\"https:\/\/naoseiinvestir.com\/index.php\/2021\/01\/14\/7-ideias-de-renda-extra\/\" target=\"_blank\" rel=\"noreferrer noopener\">7 formas de fazer Renda Extra<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Chega uma hora que n\u00e3o h\u00e1 mais o que cortar e a pessoa come\u00e7a a cortar o essencial. N\u00e3o vale a pena. Esfor\u00e7os maiores de economia podem valer a pena para realizar um sonho de curto prazo ou para pagar d\u00edvidas. No longo prazo, grandes priva\u00e7\u00f5es n\u00e3o se sustentam.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sugest\u00e3o de leitura: <a href=\"https:\/\/naoseiinvestir.com\/index.php\/2020\/12\/09\/economias-burras\/\" target=\"_blank\" rel=\"noreferrer noopener\">Economias burras<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Por outro lado, gastar tudo como se n\u00e3o houvesse amanh\u00e3 \u00e9 extremamente imprudente: \u00e9 necess\u00e1rio ter reservas para emerg\u00eancias, construir patrim\u00f4nio e pensar no futuro. A chave, como voc\u00ea j\u00e1 percebeu, \u00e9 o equil\u00edbrio.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Se voc\u00ea est\u00e1 poupando e investindo corretamente, n\u00e3o h\u00e1 problema em se permitir luxos de vez em quando. O problema \u00e9 consumo desenfreado sem condi\u00e7\u00f5es, gerando pouca capacidade de poupan\u00e7a e d\u00edvidas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Equilibre suas finan\u00e7as, destine um percentual para investimentos, outro percentual para lazer e seja feliz. No processo, procure investir em conhecimento para ganhar mais, ter mais lazer e investir mais.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O caminho do equil\u00edbrio sempre ser\u00e1 o mais saud\u00e1vel.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>As melhores solu\u00e7\u00f5es n\u00e3o costumam estar nos extremos, mas sim no meio termo. Vamos conversar um pouco sobre o equil\u00edbrio necess\u00e1rio entre poupar e gastar. Poupar Investir \u00e9 essencial. A previd\u00eancia social \u00e9 um mecanismo com uma s\u00e9rie de problemas e no qual n\u00e3o \u00e9 prudente confiar. Delegar ao governo a tranquilidade de um sal\u00e1rio [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1652,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[39],"tags":[23,57,31,56,58],"class_list":["post-1651","post","type-post","status-publish","format-standard","has-post-thumbnail","category-organizacao-financeira","tag-dividas","tag-equilibrio","tag-investimentos","tag-poupar","tag-tranquilidade-financeira","czr-hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Equil\u00edbrio entre poupar e gastar - N\u00e3o $ei Investir<\/title>\n<meta name=\"description\" content=\"Existe um equil\u00edbrio ideal entre gastar e poupar: gastar demais \u00e9 prejudicial, poupar demais compromete o lazer. 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