Warning: [snuffleupagus][0.0.0.0][config][log] It seems that you are filtering on a parameter 'var_array' of the function 'extract', but the parameter does not exists. in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 0 parameter's name: 'arg' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 1 parameter's name: 'extract_type' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 2 parameter's name: 'prefix' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764
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Warning: [snuffleupagus][0.0.0.0][config][log] It seems that you are filtering on a parameter 'var_array' of the function 'extract', but the parameter does not exists. in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 0 parameter's name: 'arg' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 1 parameter's name: 'extract_type' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 2 parameter's name: 'prefix' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] It seems that you are filtering on a parameter 'var_array' of the function 'extract', but the parameter does not exists. in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 0 parameter's name: 'arg' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 1 parameter's name: 'extract_type' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 2 parameter's name: 'prefix' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] It seems that you are filtering on a parameter 'var_array' of the function 'extract', but the parameter does not exists. in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 0 parameter's name: 'arg' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 1 parameter's name: 'extract_type' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 2 parameter's name: 'prefix' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] It seems that you are filtering on a parameter 'var_array' of the function 'extract', but the parameter does not exists. in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 0 parameter's name: 'arg' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 1 parameter's name: 'extract_type' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 2 parameter's name: 'prefix' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] It seems that you are filtering on a parameter 'var_array' of the function 'extract', but the parameter does not exists. in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 0 parameter's name: 'arg' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 1 parameter's name: 'extract_type' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 2 parameter's name: 'prefix' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] It seems that you are filtering on a parameter 'var_array' of the function 'extract', but the parameter does not exists. in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 0 parameter's name: 'arg' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 1 parameter's name: 'extract_type' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 2 parameter's name: 'prefix' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] It seems that you are filtering on a parameter 'var_array' of the function 'extract', but the parameter does not exists. in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 0 parameter's name: 'arg' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 1 parameter's name: 'extract_type' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 2 parameter's name: 'prefix' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] It seems that you are filtering on a parameter 'var_array' of the function 'extract', but the parameter does not exists. in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 0 parameter's name: 'arg' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 1 parameter's name: 'extract_type' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 2 parameter's name: 'prefix' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] It seems that you are filtering on a parameter 'var_array' of the function 'extract', but the parameter does not exists. in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 0 parameter's name: 'arg' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 1 parameter's name: 'extract_type' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 2 parameter's name: 'prefix' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] It seems that you are filtering on a parameter 'var_array' of the function 'extract', but the parameter does not exists. in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 0 parameter's name: 'arg' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 1 parameter's name: 'extract_type' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 2 parameter's name: 'prefix' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] It seems that you are filtering on a parameter 'var_array' of the function 'extract', but the parameter does not exists. in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 0 parameter's name: 'arg' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 1 parameter's name: 'extract_type' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 2 parameter's name: 'prefix' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] It seems that you are filtering on a parameter 'var_array' of the function 'extract', but the parameter does not exists. in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 0 parameter's name: 'arg' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 1 parameter's name: 'extract_type' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 2 parameter's name: 'prefix' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] It seems that you are filtering on a parameter 'var_array' of the function 'extract', but the parameter does not exists. in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 0 parameter's name: 'arg' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 1 parameter's name: 'extract_type' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 2 parameter's name: 'prefix' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] It seems that you are filtering on a parameter 'var_array' of the function 'extract', but the parameter does not exists. in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 0 parameter's name: 'arg' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 1 parameter's name: 'extract_type' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 2 parameter's name: 'prefix' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] It seems that you are filtering on a parameter 'var_array' of the function 'extract', but the parameter does not exists. in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 0 parameter's name: 'arg' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 1 parameter's name: 'extract_type' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 2 parameter's name: 'prefix' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] It seems that you are filtering on a parameter 'var_array' of the function 'extract', but the parameter does not exists. in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 0 parameter's name: 'arg' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 1 parameter's name: 'extract_type' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 2 parameter's name: 'prefix' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] It seems that you are filtering on a parameter 'var_array' of the function 'extract', but the parameter does not exists. in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 0 parameter's name: 'arg' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 1 parameter's name: 'extract_type' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 2 parameter's name: 'prefix' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] It seems that you are filtering on a parameter 'var_array' of the function 'extract', but the parameter does not exists. in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 0 parameter's name: 'arg' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 1 parameter's name: 'extract_type' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 2 parameter's name: 'prefix' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] It seems that you are filtering on a parameter 'var_array' of the function 'extract', but the parameter does not exists. in /home/falandodefinanca/public_html/wp-content/plugins/td-composer/legacy/common/wp_booster/td_data_source.php on line 38

Warning: [snuffleupagus][0.0.0.0][config][log] - 0 parameter's name: 'arg' in /home/falandodefinanca/public_html/wp-content/plugins/td-composer/legacy/common/wp_booster/td_data_source.php on line 38

Warning: [snuffleupagus][0.0.0.0][config][log] - 1 parameter's name: 'extract_type' in /home/falandodefinanca/public_html/wp-content/plugins/td-composer/legacy/common/wp_booster/td_data_source.php on line 38

Warning: [snuffleupagus][0.0.0.0][config][log] - 2 parameter's name: 'prefix' in /home/falandodefinanca/public_html/wp-content/plugins/td-composer/legacy/common/wp_booster/td_data_source.php on line 38

Warning: [snuffleupagus][0.0.0.0][config][log] It seems that you are filtering on a parameter 'var_array' of the function 'extract', but the parameter does not exists. in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 0 parameter's name: 'arg' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 1 parameter's name: 'extract_type' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 2 parameter's name: 'prefix' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] It seems that you are filtering on a parameter 'var_array' of the function 'extract', but the parameter does not exists. in /home/falandodefinanca/public_html/wp-content/plugins/td-composer/legacy/common/wp_booster/td_data_source.php on line 38

Warning: [snuffleupagus][0.0.0.0][config][log] - 0 parameter's name: 'arg' in /home/falandodefinanca/public_html/wp-content/plugins/td-composer/legacy/common/wp_booster/td_data_source.php on line 38

Warning: [snuffleupagus][0.0.0.0][config][log] - 1 parameter's name: 'extract_type' in /home/falandodefinanca/public_html/wp-content/plugins/td-composer/legacy/common/wp_booster/td_data_source.php on line 38

Warning: [snuffleupagus][0.0.0.0][config][log] - 2 parameter's name: 'prefix' in /home/falandodefinanca/public_html/wp-content/plugins/td-composer/legacy/common/wp_booster/td_data_source.php on line 38

Warning: [snuffleupagus][0.0.0.0][config][log] It seems that you are filtering on a parameter 'var_array' of the function 'extract', but the parameter does not exists. in /home/falandodefinanca/public_html/wp-content/plugins/td-composer/legacy/common/wp_booster/td_data_source.php on line 38

Warning: [snuffleupagus][0.0.0.0][config][log] - 0 parameter's name: 'arg' in /home/falandodefinanca/public_html/wp-content/plugins/td-composer/legacy/common/wp_booster/td_data_source.php on line 38

Warning: [snuffleupagus][0.0.0.0][config][log] - 1 parameter's name: 'extract_type' in /home/falandodefinanca/public_html/wp-content/plugins/td-composer/legacy/common/wp_booster/td_data_source.php on line 38

Warning: [snuffleupagus][0.0.0.0][config][log] - 2 parameter's name: 'prefix' in /home/falandodefinanca/public_html/wp-content/plugins/td-composer/legacy/common/wp_booster/td_data_source.php on line 38

Warning: [snuffleupagus][0.0.0.0][config][log] It seems that you are filtering on a parameter 'var_array' of the function 'extract', but the parameter does not exists. in /home/falandodefinanca/public_html/wp-content/plugins/td-composer/legacy/common/wp_booster/td_data_source.php on line 38

Warning: [snuffleupagus][0.0.0.0][config][log] - 0 parameter's name: 'arg' in /home/falandodefinanca/public_html/wp-content/plugins/td-composer/legacy/common/wp_booster/td_data_source.php on line 38

Warning: [snuffleupagus][0.0.0.0][config][log] - 1 parameter's name: 'extract_type' in /home/falandodefinanca/public_html/wp-content/plugins/td-composer/legacy/common/wp_booster/td_data_source.php on line 38

Warning: [snuffleupagus][0.0.0.0][config][log] - 2 parameter's name: 'prefix' in /home/falandodefinanca/public_html/wp-content/plugins/td-composer/legacy/common/wp_booster/td_data_source.php on line 38

Warning: [snuffleupagus][0.0.0.0][config][log] It seems that you are filtering on a parameter 'var_array' of the function 'extract', but the parameter does not exists. in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 0 parameter's name: 'arg' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 1 parameter's name: 'extract_type' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 2 parameter's name: 'prefix' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] It seems that you are filtering on a parameter 'var_array' of the function 'extract', but the parameter does not exists. in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 0 parameter's name: 'arg' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 1 parameter's name: 'extract_type' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 2 parameter's name: 'prefix' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] It seems that you are filtering on a parameter 'var_array' of the function 'extract', but the parameter does not exists. in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 0 parameter's name: 'arg' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 1 parameter's name: 'extract_type' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 2 parameter's name: 'prefix' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] It seems that you are filtering on a parameter 'var_array' of the function 'extract', but the parameter does not exists. in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 0 parameter's name: 'arg' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 1 parameter's name: 'extract_type' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 2 parameter's name: 'prefix' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] It seems that you are filtering on a parameter 'var_array' of the function 'extract', but the parameter does not exists. in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 0 parameter's name: 'arg' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 1 parameter's name: 'extract_type' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 2 parameter's name: 'prefix' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] It seems that you are filtering on a parameter 'var_array' of the function 'extract', but the parameter does not exists. in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 0 parameter's name: 'arg' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 1 parameter's name: 'extract_type' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 2 parameter's name: 'prefix' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] It seems that you are filtering on a parameter 'var_array' of the function 'extract', but the parameter does not exists. in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 0 parameter's name: 'arg' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 1 parameter's name: 'extract_type' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

Warning: [snuffleupagus][0.0.0.0][config][log] - 2 parameter's name: 'prefix' in /home/falandodefinanca/public_html/wp-includes/template.php on line 764

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Preparar a ‘carteira’ para o próximo ano? Sete coisas que deve fazer

Com 2020 a caminhar para o fim – um ano que foi particularmente desafiante – muitos começam a fazer contas para o ano que se avizinha. Se é o seu caso e já pensa em preparar a ‘carteira’ para o próximo ano, o Doutor Finanças tem algumas dicas para si.

“Seja por perda de rendimentos ou por um encargo extra, só quem tiver um orçamento familiar e o cumprir (com a poupança sempre em primeiro lugar) ultrapassará as adversidades financeiras de forma mais tranquila. E é neste contexto que aconselho: invista algum tempo a fazer um planeamento financeiro e garanto-lhe que não se arrependerá“, refere Rui Bairrada, CEO do Doutor Finanças.

A clínica especializada em finanças pessoais adianta que as seguintes dicas são essenciais: 

1. Planear o novo ano que aí vem (e o que falta deste) 

“É importante analisar o plano traçado para este ano e fazer um balanço. Através desta análise é possível perceber o que correu bem e aquilo que correu menos bem. Este processo ajuda no momento de fazer o planeamento para 2021, uma vez que se percebe o que deve ser limado e o que deve ser mantido.”

2. Poupar no crédito habitação 

“Neste momento o crédito está mais barato, uma vez que a taxa Euribor continua em valores negativos e os spreads estão mais baixos (já existem mesmo bancos a oferecer spreads mínimos abaixo dos 1%). Dada a conjuntura atual, quem tem crédito habitação há mais de dois anos pode estar a perder (muito) dinheiro. (…) Uma forma de se poupar com o empréstimo da casa étransferir o crédito para outra entidade, que ofereça melhores condições, nomeadamente nos outros produtos e serviços associados como os cartões e seguros.”

3. Analisar os seguros 

“Embora possa parecer estranho, a verdade é que ainda é usual encontrar quem não saiba ao certo quantos seguros tem e as suas coberturas. Por exemplo, as coberturas duplicadas são muito comuns, contratadas em seguros distintos.”

4. Juntar todos os créditos num só 

“Quem tem vários créditos em mãos, como por exemplo um para o automóvel, outro para o computador e um outro crédito pessoal, pode poupar dinheiro se juntar todos os créditos num só, através da consolidação de créditos. Esta é uma solução financeira que permite ter uma única prestação mais baixa e com melhores condições.” 

5. Rever e renegociar serviços

“Um exercício fundamental é parar para pensar quanto dinheiro se gasta em coisas que não se utiliza. Quanto é que se gasta em serviços de streaming ou no ginásio e qual a sua utilização? A resposta a estas questões será vital para se perceber se se pode eliminar algum custo. Já serviços como a água, a eletricidade, o gás e telecomunicações, que são despesas tidas como fixas e essenciais, devem ser renegociados com os fornecedores para se tentar obter alguma redução de encargos.”  

6. Negociar dívidas

“Há casos em que não é possível fazer a consolidação dos créditos, nomeadamente pessoas que entraram em incumprimento. Nestas situações, a solução pode passar pela negociação dos contratos.”

7. Começar já hoje a poupança de 2021

“Independente da situação atual, por muito que se fale em poupança e como pode ser feita, na hora H o maior inimigo é muitas vezes a inércia. Quanto mais cedo se organizar o orçamento e se começar a poupar dinheiro, mais cedo se colhem os frutos desse esforço.”

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