{"id":26208,"date":"2017-10-10T10:54:55","date_gmt":"2017-10-10T14:54:55","guid":{"rendered":"https:\/\/website-new.qa.mpowerfinancing.com\/pt\/blog\/3-money-tools-save"},"modified":"2025-12-28T20:20:06","modified_gmt":"2025-12-28T20:20:06","slug":"3-money-tools-save","status":"publish","type":"post","link":"https:\/\/www.mpowerfinancing.com\/pt\/blog\/3-money-tools-save","title":{"rendered":"3 Ferramentas Financeiras para Salvar Voc\u00ea de Si Mesmo"},"content":{"rendered":"<p>Mesmo que voc\u00ea tenha as melhores inten\u00e7\u00f5es, nem sempre \u00e9 f\u00e1cil manter um or\u00e7amento &#8211; especialmente quando voc\u00ea tem empr\u00e9stimos estudantis. Gra\u00e7as ao NerdWallet, temos tr\u00eas \u00f3timas estrat\u00e9gias para ajud\u00e1-lo a manter um regime financeiro saud\u00e1vel.<\/p>\n<p>&nbsp;<\/p>\n<hr \/>\n<p>&nbsp;<\/p>\n<p>Mergulhar em suas economias \u00e9 como fast food: \u00e9 conveniente e tentador, e pode deix\u00e1-lo um pouco enjoado na manh\u00e3 seguinte.<\/p>\n<p>Fazer isso tamb\u00e9m pode comprometer seus objetivos financeiros, seja uma grande viagem ao exterior ou um simples fundo de emerg\u00eancia. No entanto, voc\u00ea pode evitar co\u00e7ar essa coceira de gastos com essas ferramentas, que podem ajudar a manter suas economias intactas.<\/p>\n<p>&nbsp;<\/p>\n<h4 style=\"margin-bottom: -30px; color: #5da2d5;\">1. Certificados de dep\u00f3sito<\/h4>\n<p><a href=\"https:\/\/www.nerdwallet.com\/rates\/cds\/best-cd-rates?utm_campaign=ct_prod&amp;utm_source=syndication&amp;utm_medium=wire&amp;utm_term=mikempowerfinancing-com&amp;utm_content=418996\">Certificados de dep\u00f3sito<\/a> normalmente oferecem um retorno melhor do que contas de poupan\u00e7a padr\u00e3o, e raramente cobram taxas mensais.<\/p>\n<p>Mais importante, os CDs incentivam voc\u00ea a se afastar de si mesmo. Ao abrir um certificado, voc\u00ea decide por quanto tempo o banco fica com o seu dinheiro. Isso \u00e9 chamado de prazo. Se voc\u00ea quiser acesso a esse dinheiro antes do prazo, o banco provavelmente cobrar\u00e1 uma multa por retirada antecipada, que normalmente \u00e9 um certo n\u00famero de meses de juros.<\/p>\n<p>Pode n\u00e3o parecer, mas o banco est\u00e1 fazendo um favor a voc\u00ea. Em teoria, essa multa deve fazer voc\u00ea pensar duas vezes antes de retirar dinheiro antecipadamente. Isso, por sua vez, ajuda a garantir que o dinheiro continue rendendo juros no banco.<\/p>\n<h4 style=\"margin-bottom: -10px; color: #5da2d5;\">\u00bb COMPARE:<\/h4>\n<p><a href=\"https:\/\/www.nerdwallet.com\/rates\/cds\/best-cd-rates?utm_campaign=ct_prod&amp;utm_source=syndication&amp;utm_medium=wire&amp;utm_term=mikempowerfinancing-com&amp;utm_content=418996\">Ferramenta de compara\u00e7\u00e3o de taxas de CD do NerdWallet<\/a><\/p>\n<p>&nbsp;<\/p>\n<h4 style=\"margin-bottom: -30px; color: #5da2d5;\">2. Cart\u00f5es de d\u00e9bito pr\u00e9-pagos<\/h4>\n<p>Como a maioria das coisas, por\u00e9m, os cart\u00f5es de d\u00e9bito pr\u00e9-pagos n\u00e3o s\u00e3o perfeitos. Usar um n\u00e3o aumentar\u00e1 sua pontua\u00e7\u00e3o de cr\u00e9dito, e normalmente h\u00e1 uma taxa mensal. Ainda assim, eles s\u00e3o uma op\u00e7\u00e3o s\u00f3lida para pessoas cujos h\u00e1bitos de gastos regularmente comprometem seus objetivos de economia.<\/p>\n<p>&nbsp;<\/p>\n<h4 style=\"margin-bottom: -30px; color: #5da2d5;\">3. Contas correntes e de poupan\u00e7a em bancos separados<\/h4>\n<p>Apesar das qualidades redentoras do mobile banking, ele \u00e9 o facilitador final de decis\u00f5es ruins. <a href=\"https:\/\/www.nerdwallet.com\/banking\/best-checking-accounts?utm_campaign=ct_prod&amp;utm_source=syndication&amp;utm_medium=wire&amp;utm_term=mikempowerfinancing-com&amp;utm_content=418996\">Conta corrente<\/a> ficando baixa antes de uma grande noite? Alguns toques s\u00e3o tudo o que voc\u00ea precisa para mergulhar naquele fundo de f\u00e9rias.<\/p>\n<p>Ter uma conta poupan\u00e7a separada em um banco diferente deve tornar as transfer\u00eancias de poupan\u00e7a para corrente um pouco mais tediosas, pois podem ser mais lentas e podem incorrer em taxas. Isso \u00e9 uma coisa boa a longo prazo, porque pode desencoraj\u00e1-lo a fazer esse tipo de transfer\u00eancia. Para refor\u00e7ar ainda mais suas economias, fa\u00e7a com que uma parte do seu dep\u00f3sito direto entre nessa conta para que o dinheiro seja guardado automaticamente e regularmente.<\/p>\n<h4 style=\"margin-bottom: -10px; color: #5da2d5;\">\u00bb MAIS:<\/h4>\n<p><a href=\"https:\/\/www.nerdwallet.com\/blog\/banking\/multiple-savings-accounts\/?utm_campaign=ct_prod&amp;utm_source=syndication&amp;utm_medium=wire&amp;utm_term=mikempowerfinancing-com&amp;utm_content=418996\">Precisa de v\u00e1rias contas de poupan\u00e7a? Aqui est\u00e1 onde ir<\/a><\/p>\n<p>&nbsp;<\/p>\n<p>Embora controlar seus gastos tenha muito a ver com as decis\u00f5es que voc\u00ea toma, as ferramentas acima podem aliviar parte da press\u00e3o. Aproveitar uma ou mais pode ajud\u00e1-lo a manter sua sa\u00fade financeira.<\/p>\n<hr style=\"margin-bottom: 10px; margin-top: 20px;\" \/>\n<p><i>Tony Armstrong \u00e9 um escritor de equipe no NerdWallet, um site de finan\u00e7as pessoais. Email: tony@nerdwallet.com. Twitter: @tonystrongarm.<\/i><\/p>\n<p>O artigo \u201c3 Ferramentas Financeiras para Salvar Voc\u00ea de Si Mesmo\u201d apareceu originalmente em <a href=\"https:\/\/www.nerdwallet.com\/\"> NerdWallet<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Mesmo que voc\u00ea tenha as melhores inten\u00e7\u00f5es, nem sempre \u00e9 f\u00e1cil manter um or\u00e7amento &#8211; especialmente quando voc\u00ea tem empr\u00e9stimos estudantis. Gra\u00e7as ao NerdWallet, temos tr\u00eas \u00f3timas estrat\u00e9gias para ajud\u00e1-lo a manter um regime&#8230;<\/p>\n","protected":false},"author":26,"featured_media":6989,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27],"tags":[46],"class_list":["post-26208","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-tips","tag-money-management"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>3 Ferramentas Financeiras para te Salvar de Voc\u00ea Mesmo | MPOWER Financing<\/title>\n<meta name=\"description\" content=\"Manter um or\u00e7amento com empr\u00e9stimos estudantis pode ser dif\u00edcil. 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