{"id":59753,"date":"2026-01-11T15:30:00","date_gmt":"2026-01-11T18:30:00","guid":{"rendered":"https:\/\/www.contornofm.net\/site\/organizacao-e-importante-para-evitar-as-dividas-de-inicio-do-ano\/"},"modified":"2026-01-11T15:30:00","modified_gmt":"2026-01-11T18:30:00","slug":"organizacao-e-importante-para-evitar-as-dividas-de-inicio-do-ano","status":"publish","type":"post","link":"https:\/\/www.contornofm.net\/site\/organizacao-e-importante-para-evitar-as-dividas-de-inicio-do-ano\/","title":{"rendered":"Organiza\u00e7\u00e3o \u00e9 importante para evitar as d\u00edvidas de in\u00edcio do ano"},"content":{"rendered":"\n<p>Muitas pessoas se endividam nos fins de ano pelas viagens de f\u00e9rias e ou pelos gastos nas celebra\u00e7\u00f5es. E janeiro \u00e9 sempre conhecido por passar devagar, com todo mundo ansioso na espera do sal\u00e1rio do m\u00eas seguinte. Por isso, o ideal \u00e9 se organizar desde o final do ano. Mas, caso voc\u00ea n\u00e3o tenha feito isso, n\u00e3o se preocupe: ainda d\u00e1 para fazer uma conten\u00e7\u00e3o de danos para lidar com o come\u00e7o de 2026.<img data-recalc-dims=\"1\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/agenciabrasil.ebc.com.br\/ebc.png?w=640&#038;ssl=1\" style=\"width:1px; height:1px; display:inline;\" \/><img data-recalc-dims=\"1\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/agenciabrasil.ebc.com.br\/ebc.gif?w=640&#038;ssl=1\" style=\"width:1px; height:1px; display:inline;\" \/><\/p>\n<p>Eliana Campos, servidora p\u00fablica, fala sobre como organiza o or\u00e7amento: &#8220;Eu trabalho justamente em cima do or\u00e7amento, entendeu? Para, como diz na g\u00edria, &#8220;tirar a cordinha do pesco\u00e7o&#8221;, n\u00e9? A\u00ed a gente fica mais tranquilo fazendo esse planejamento. Eu sempre fa\u00e7o isso&#8221;.<\/p>\n<p>O professor Laudemir Ara\u00fajo ressalta que se prepara desde o final do ano anterior: &#8220;Eu, particularmente, eu tento fazer\u00a0a quest\u00e3o das finan\u00e7as, da gente regular os gastos&#8221;.<\/p>\n<p>Matr\u00edcula escolar, IPVA e IPTU est\u00e3o entre os aspectos que tornam o m\u00eas de janeiro um dos mais pesados para o or\u00e7amento. Al\u00e9m disso, existem as faturas de fim de ano, que frequentemente empurram as finan\u00e7as para o limite logo nas primeiras semanas do ano. A vendedora Julie Maxwellen destaca o que \u00e9 importante para controlar os gastos: &#8220;Se organizar, economizar na verdade, que \u00e9 muito dif\u00edcil de controlar os gastos e tudo mais, mas \u00e9 importante voc\u00ea ter consci\u00eancia de que voc\u00ea s\u00f3 faz aquilo que voc\u00ea pode.\u00a0Tem muitas pessoas que se endividam nessa \u00e9poca&#8221;.\u00a0<\/p>\n<p>Existe uma regra conhecida como 50-30-20, que funciona como um padr\u00e3o para a organiza\u00e7\u00e3o dos gastos:\u00a050% para necessidades b\u00e1sicas: aluguel, contas essenciais, alimenta\u00e7\u00e3o e transporte;\u00a030% para desejos e estilo de vida: lazer, streaming, viagens e delivery;\u00a020% para prioridades financeiras: pagamento de d\u00edvidas e investimentos, incluindo a reserva de emerg\u00eancia.<\/p>\n<p> <span class=\"hms hms-format-m-ss\">2:09<\/span> Fonte: https:\/\/agenciabrasil.ebc.com.br\/<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Muitas pessoas se endividam nos fins de ano pelas viagens de f\u00e9rias e ou pelos<\/p>\n","protected":false},"author":13,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[61],"tags":[],"class_list":["post-59753","post","type-post","status-publish","format-standard","hentry","category-destaque"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - 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