No artigo anterior, falamos que muitas vezes compramos algo no calor das emoções. Agora, quero contar a você como podemos expandir nossas emoções positivas em relação ao dinheiro, quando conseguimos guardar o suficiente para os sonhos futuros! Te garanto que a emoção de poder comprar um produto de alto valor ou de fazer aquela viagem tão desejada, é muitas vezes, mais gratificante do que se render a pequenos mimos ao longo do mês.
As pessoas que buscam seguir à risca seu planejamento financeiro são, muitas vezes, vistas como “pão duras” e escravas do dinheiro. Pelo simples fato de, por exemplo, evitarem sair para um bar com os amigos para comer e beber à vontade, sempre ao seu bel-prazer.
Mas, na verdade, elas estão só se precavendo de gastos eventuais que podem gerar dívidas e desconforto financeiro mais à frente. Os amigos endividados, que deixam o problema para depois, são de fato os verdadeiros escravos do dinheiro, por terem sempre de correr para pagar ou negociar suas dívidas.
Muitas vezes o 13º salário é usado para o pagamento de dívidas contraídas ao longo do ano, em geral na quitação do cartão de crédito. Aquele que é fácil de usar, mas tem o maior juro do mercado. Se você se reconheceu aqui, pode ter certeza de que você depende mais do dinheiro do que pensa.
Para termos uma reserva de dinheiro, é preciso ter compromisso. Essa é a chave, a base para termos uma vida feliz, com convívio social saudável e realização concreta dos sonhos. Não importa a ferramenta que utilizamos para controlar o dinheiro, nem os tipos de investimentos existentes para fazer o mesmo crescer. O que mais importa é o nosso compromisso com o
dinheiro, para a conquista de metas de vida.
De forma consciente, nenhuma pessoa vai decidir que seu ideal de vida é passar a maior parte do tempo endividado, sendo cobrado diariamente, com o nome sujo na praça e sem saber de onde vai tirar mais dinheiro.
Enquanto não decidirmos olhar de frente para as nossas finanças pessoais como uma tarefa a ser diagnosticada, planejada, executada e acompanhada, o que estamos fazendo é justamente indo em direção ao caminho do endividamento. Você conhece alguém que age assim?
Então, temos tão somente duas alternativas: ter compromisso com o dinheiro ou virar escravo dele. Deixar para resolver quando alcançar aquela promoção ou quando o seu cônjuge conseguir um novo emprego ou qualquer outra escolha que signifique adiar essa relação, recai sobre à segunda opção.
Bom, depois de toda essa introdução, acho que te convenci de que o melhor é entender as suas finanças pessoais. A partir de um planejamento financeiro pessoal é possível otimizar seus recursos para alcançar objetivos de curto, médio e longo prazo. Você será capaz de aproveitar oportunidades e contornar dificuldades ocasionais. Ou seja, você vai entender o quanto consegue poupar ao longo do tempo, o que resultará no alcance de suas metas.
Após passar um pente fino nas suas despesas, diagnosticando como você usa o seu dinheiro, vide meu artigo anterior, o primeiro passo para você começar a construir sua liberdade financeira é formar uma poupança para imprevistos, também chamada de reserva de emergência.
O recomendado é que você separe 20% das suas receitas para imprevistos, até que chegue a três vezes o valor de seus gastos mensais. Daí para a frente, tudo o que você conseguir guardar será para a realização de seus sonhos e desejos, seja comprar um carro novo, adquirir moradia própria, mandar os filhos estudar no exterior, fazer viagens para os lugares mais cobiçados do planeta, um pé de meia para quando se aposentar … Você é quem decide! Tome agora as rédeas da sua vida!
Tania Kraemer
Latest posts by Tania Kraemer (see all)
- A influência dos sentimentos e emoções na frequência vibracional - 22 de dezembro de 2020
- Fracassei, e agora? - 23 de novembro de 2020
- Aplicando a Lei da Atração - 23 de outubro de 2020
- INDEPENDÊNCIA FINANCEIRA: VIVER DE RENDA - 4 de setembro de 2020
- Você quer controlar sua vida financeira ou vai deixar a vida te levar? - 3 de agosto de 2020
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