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Planejamento financeiro pessoal: uma proposta para a saúde financeira do brasileiro da classe C
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Abstract(s)
Esta dissertação apresenta uma proposta de planejamento financeiro para o brasileiro classe C. O planejamento financeiro pessoal é uma ferramenta importante para que a saúde financeira do indivíduo esteja sob controle. Haja vista que o planejamento expõe a real situação financeira por meio do acompanhamento das receitas e despesas possibilitando ao indivíduo o uso consciente do dinheiro. Além disso, possibilita o planejamento de objetivos a curto, médio e longo prazos de acordo com a capacidade de poupança identificada. A classe C no Brasil é a que possui maior representatividade entre os brasileiros. Também é apontada como a classe mais consumista. É importante destacar que o contexto econômico, principalmente no que se refere à hiperinflação contribuiu de forma sistemática para o pensamento de curto prazo no brasileiro – a memória inflacionária. Adicionalmente, as mudanças de planos económicos com alteração das moedas influenciaram no modo como os indivíduos compreendem o dinheiro e consequentemente sua utilização. O cenário mudou a partir de 1994 com o Plano Real, mas é desafiador superar um quadro de instabilidade persistente. Diante disso, para organização financeira do brasileiro classe C é proposto um modelo de planejamento financeiro em sete etapas. O controle e planejamento do consumo é crucial para a saúde financeira do brasileiro classe C. Isto posto, o planejamento financeiro pessoal é a ferramenta adequada.
This dissertation presents a proposal of financial planning for Brazilian class C. Personal financial planning is an important tool for the individual's financial health to be under control. Let's see that the planning exposes the real financial situation through the monitoring of revenues and expenses enabling the individual to use the money consciously. In addition, it enables the planning of short-, medium- and long-term objectives according to the savings capacity identified. Class C in Brazil is the one that has the most representativeness among Brazilians. It is also referred to as the most consumerist class. It is important to emphasize that the economic context, especially with regard to hyperinflation, contributed systematically to short-term thinking in Brazilians - the inflationary memory. In addition, changes in economic plans with changes in currencies influenced the way individuals understand money and consequently its use. The scenario changed from 1994 with the Real Plan, but it is challenging to overcome a picture of persistent instability. Therefore, for financial organization of the Brazilian class C, a seven-stage financial planning model is proposed. The control and planning of consumption is crucial for the financial health of the Brazilian class C. This, personal financial planning is the appropriate tool.
This dissertation presents a proposal of financial planning for Brazilian class C. Personal financial planning is an important tool for the individual's financial health to be under control. Let's see that the planning exposes the real financial situation through the monitoring of revenues and expenses enabling the individual to use the money consciously. In addition, it enables the planning of short-, medium- and long-term objectives according to the savings capacity identified. Class C in Brazil is the one that has the most representativeness among Brazilians. It is also referred to as the most consumerist class. It is important to emphasize that the economic context, especially with regard to hyperinflation, contributed systematically to short-term thinking in Brazilians - the inflationary memory. In addition, changes in economic plans with changes in currencies influenced the way individuals understand money and consequently its use. The scenario changed from 1994 with the Real Plan, but it is challenging to overcome a picture of persistent instability. Therefore, for financial organization of the Brazilian class C, a seven-stage financial planning model is proposed. The control and planning of consumption is crucial for the financial health of the Brazilian class C. This, personal financial planning is the appropriate tool.
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Keywords
Planejamento financeiro Inflação Classe C Financial planning Inflation Class C