10 dicas simples para passar pela crise sem perder dinheiro


O tema crise econômica pode ser um pouco cansativo, mas aparentemente veio pra ficar, ao menos por algum tempo – e ignorá-lo pode ser perigoso. Caso você queria manter o assunto em mente, mas sem permitir que ele cause muitos desgastes, o jeito é se prevenir. A seguir, EXAME.com reuniu dez dicas para enfrentar os tempos de vacas magras sem sofrimento. Confira.

1) Organize-se

Um planejamento anticrise começa pela análise da sua situação financeira. Para isso, é importante se organizar e colocar na ponta do lápis todas as suas receitas e despesas (veja nove dicas para organizar suas finanças já).

Pesquisa do SPC Brasil, realizada em 2014, revelou que 42% das pessoas não sabem exatamente qual é sua renda. Para controlar melhor as finanças, é essencial saber qual é o seu salário líquido, que é o valor que de fato cai na sua conta depois de descontados o Imposto de Renda, a contribuição ao INSS e eventuais contribuições ao plano de previdência da empresa e plano de saúde.

Levante também todas suas dívidas – com o cartão de crédito, financiamentos de carros e imóveis, etc. – e estime suas despesas, incluindo os gastos essenciais (condomínio, aluguel, contas de luz e água) e não essenciais (academia, celular e gastos com lazer).

Esse exercício de organização permite identificar gastos que estão mais pesados do que você desejaria e verificar se suas despesas são compatíveis com sua renda. Para facilitar a tarefa, vale usar planilhas em Excel, apps, cadernos, ou a ferramenta que você considerar mais efetiva para não deixar o controle do orçamento de lado (confira 15 opções de planilhas e ferramentas para controlar o orçamento).

2) Mantenha-se informado

Quanto maior seu conhecimento sobre a situação econômica, mais conscientes serão suas decisões e mais prevenido você ficará. Busque diferentes fontes para evitar visões distorcidas e discuta as notícias com familiares, amigos e conhecidos para digerir melhor as informações e observar as questões sob diferentes perspectivas.

Mas também não peque pelo exagero. Em tempos de crise, as notícias que correm pela mídia podem ser bem negativas, afinal o trabalho da imprensa muitas vezes é noticiar o que de mais dramático está acontecendo. Procure ler não só as notícias pessimistas, como aquelas que trazem histórias de empresas e pessoas que conseguiram se sobressair na crise.

“É fundamental estar bem informado, mas também é essencial não se deixar contaminar pelo tom negativo”, diz Olivia Paganini, gerente de investimentos da Guide.

Ela afirma que profissionais do mercado financeiro não estão tão otimistas quanto no passado, reconhecem que o país tem problemas, mas sabem que, de qualquer forma, são problemas que já estão “dados”, ou seja, já estão na conta. “Não é o fim do mundo. Nós já passamos por isso antes e as crises acontecem de maneira cíclica”, opina Olivia.

3) Avalie sua situação de forma realista

Para driblar os obstáculos que uma crise econômica traz é importante não ficar alheio. Depois de se informar, busque analisar se seu setor de atuação pode ser afetado pela crise, ou se eventuais investimentos que você tenha realizado em ações ou títulos podem correr riscos.

Esse pode ser o antídoto para um comportamento extremamente danoso para as finanças: a autoconfiança exagerada, sentimento que te leva a achar que outras pessoas podem se endividar ou perder o emprego, mas não você.

A autoconfiança exagerada é um dos chamados vieses comportamentais, estudado pelas finanças comportamentais, vertente da psicologia econômica que analisa as emoções que estão por trás das nossas decisões financeiras.

Ao deixar de lado esse viés e entender que ninguém é imbatível, você pode ter um contato mais próximo com a realidade e perceber a necessidade de ativar sua rede de networking, por exemplo, ou criar uma poupança para lidar com imprevistos (veja esse e outros vieses comportamentais que te fazem perder dinheiro).

4) Tenha um plano B

Com um olhar mais realista é possível encarar melhor os imprevistos, como o desemprego, uma nova restrição para financiamentos de imóveis, a alta do dólar, etc. Todas essas situações podem ser encaradas sem grandes dificuldades se você tiver um plano B, mas podem causar grandes estragos se te pegarem de surpresa.

Um dos planos B mais fáceis de elaborar é a formação de uma reserva financeira para emergências. Não requer grandes habilidades, apenas um esforço de poupança.

Alguns especialistas recomendam que a reserva tenha uma quantia equivalente a seis meses da sua renda, outros dizem pelo menos um ano, mas uma boa dica é observar o tempo médio de recolocação profissional da sua área. Assim, é possível casar a quantia poupada com o tempo que você demoraria para encontrar um novo trabalho, caso fosse demitido.

É importante manter os valores da reserva investidos em aplicações conservadoras e evitar investimentos que passam por grandes oscilações, como ações e títulos públicos com taxas pré-fixadas, que podem gerar prejuízo se forem resgatados antes do vencimento.

Como essa reserva é formada para emergências, ao investir em ações, por exemplo, você corre o risco de precisar resgatar o dinheiro para fazer frente a um imprevisto em um momento de baixa da bolsa, o que pode gerar grandes prejuízos (veja algumas opções de investimento conservadoras para formar sua reserva).

5) Elimine dívidas

O passo inicial para colocar qualquer projeto financeiro em prática – como este, de passar pela crise sem sufoco – é a eliminação das dívidas. Para isso, comece com o levantamento de todas as suas dívidas, descrevendo o tipo de pendência e os juros incidentes.

Antes de tentar renegociar a dívida é importante refletir sobre o que você pode pagar de fato. Além de fazer um acordo compatível com suas contas, sem criar uma nova dívida impagável, ao fazer a negociação com mais consciência e sem desespero você fica menos vulnerável a eventuais abusos por parte dos credores.

Existem dívidas mais agressivas, como as trabalhistas, que imediatamente lapidam seu patrimônio e dívidas menos agressivas, como as do cartão de crédito.

Depois de entender o tamanho das dívidas e qual seria sua disponibilidade de pagamento, separe os débitos por prioridade, colocando à frente as dívidas mais agressivas, como a mensalidade escolar, que pode gerar problemas na educação do seu filho, e em seguida o pagamento do cartão, que pode ser negociado com mais facilidade.

Depois de elencar as dívidas mais urgentes, ordene-as pelo tamanho dos juros. Mesmo se uma dívida for de 1.000 reais e outra de 1.500, se a primeira tiver juros de 15% e a segunda de 5%, apesar de a primeira dívida ser menor, no primeiro caso seriam pagos juros de 150 reais e no segundo de 75 reais, portanto é preferível quitar antes a dívida com maior taxa de juro (confira 5 passos para se livrar das dívidas).

6) Gaste de maneira inteligente

Cortar gastos é importante para passar pela crise sem dificuldades, mas para que eles não sejam dolorosos e suguem seu ânimo, busque enxugar o orçamento de forma inteligente. “Reflita em suas decisões se a compra é necessidade ou desejo e priorize”, orienta a educadora financeira Ana Paula Hornos.

Olivia Paganini recomenda observar as contas fixas e mais antigas, que você paga sem nem perceber, como aquelas que entram no débito automático. O exemplo clássico é o celular, diz Olivia. “Algumas pessoas têm planos de 100 minutos e usam 150 minutos de ligações por mês. Elas acabam pagando mais pelos 50 minutos adicionais do que se fizessem um plano que já inclui 150 minutos”, diz.

Outras despesas que podem ser reduzidas são: as tarifas bancárias, já que existem opções de contas que chegam a ser gratuitas; as altas taxas de financiamentos e planos de previdência, uma vez que é possível fazer a portabilidade para planos e empréstimos mais baratos; e os gastos com telefone fixo, caso você não use a linha (veja 10 coisas pelas quais você pode estar pagando mais do que deveria)

Se você já tentou de tudo para reduzir as despesas e não conseguiu, talvez seu problema seja tentar atacar as beiradas e não combater uma questão central: os custos fixos e mais pesados, como as contas de luz, água, condomínio, transporte e prestações de financiamentos.

Ainda que cortar esses gastos possa implicar grandes decisões, como mudar para um apartamento menor, eles podem trazer uma liberdade gigantesca ao orçamento (confira como a estratégia de reduzir os gastos fixos pode ser mais eficaz).

Mas tudo é questão de escolha: tem quem prefira manter um apartamento caro, que elimina qualquer possibilidade de folga no orçamento e gera uma insegurança financeira maior; e quem prefira um lugar menor, mas que gera menos despesas e mais liberdade para a realização de gastos com lazer.

7) Analise sentimentos que podem te levar a gastar mais

Entender os motivos por trás dos gastos pode ajudar. Ao perceber que você gasta mais sempre que tem um dia difícil no trabalho, é possível refletir e concluir que talvez o problema a ser solucionado é o seu trabalho, e fazer algumas comprinhas no shopping não resolverá a questão.

Um viés comportamental que costuma nos levar a gastar mais é o viés da contabilidade mental: que mostra que muitas vezes nós fechamos na cabeça uma conta, que, se fosse feita em uma calculadora, não fecharia.

Um exemplo típico disso ocorre em relação ao salário: você recebe 10 mil reais no começo do mês e começa a gastar desenfreadamente. Na sua cabeça, os 10 mil reais continuam lá, mas se uma calculadora estivesse registrando seus gastos, ela mostraria que metade do valor já foi embora. Resultado: a conta que você fez de cabeça não fecha na realidade e você pode acabar contraindo dívidas pela falta de organização.

Para controlar o ímpeto de gastar, a educadora Ana Paula Hornos também recomenda realizar doações. “Além de fazer o bem ao próximo, a doação te regula emocionalmente perante ao dinheiro. E um momento de cenário econômico mais apertado, é uma hora muito favorável a fazer o bem a quem precisa”, diz.

8) Adapte planos e sonhos

As condições de crédito estão mais restritas e seu futuro mais incerto? Melhor do que desistir de alguns planos, como a compra da casa própria, pode ser adaptá-los ao novo cenário. Pode não ser fácil, mas talvez seja melhor comprar um imóvel menor, por exemplo, do que insistir em comprar aquela casa dos sonhos, mas cujas parcelas podem transformar sua vida em um pesadelo.

Para Ana Paula Hornos, o segredo é elencar os objetivos que são prioritários. “Prefira os sonhos que impliquem realizações de propósitos, que tragam renda, crescimento e desenvolvimento pessoal ou profissional aos que se limitam ao consumo e trazem despesas. Estes podem ser postergados para um momento de maior estabilidade econômica”, afirma.

A educadora financeira acrescenta que as crises são boas oportunidades para trilhar novos caminhos e inovar. “Quer seja em sua atividade, carreira, em sua empresa, nos serviços que presta, aproveite o momento para caprichar em seu planejamento, projetar sonhos e projetos, refletir sobre seus propósitos e dar espaço a alternativas e caminhos inovadores”, diz.

9) Busque oportunidades de investimento

Apesar de todos os pesares, o momento é ótimo para quem tem dinheiro na mão. Além de alguns de setores em crise oferecerem descontos em produtos para conter a redução da demanda, a taxa básica de juros da economia, Selic, subiu bastante nos últimos anos, elevando a régua dos rendimentos dos investimentos de renda fixa.

Algumas opções de investimento que surfam nas altas da taxa Selic são: os títulos públicos, os títulos de bancos, como CDBs, LCIs e LCAs, que são atrelados à taxa DI (taxa que tem comportamento semelhante à Selic) e os fundos DI, que investem em aplicações que acompanham a taxa DI.

O cuidado a ser tomado é com os títulos prefixados, que pagam uma taxa determinada no momento da aplicação. Com a alta do juros, eles podem se tornar desvantajosos, já que eles são vendidos a uma taxa “X” e o aumento da Selic pode levar à emissão de novos títulos com taxas superiores. Assim, quem comprou o título antes, pode precisar vendê-lo com desconto se quiser fazê-lo antes do vencimento.

Já os títulos pós-fixados, que acompanham a Selic, flutuam de acordo com a taxa, então sempre estão em linha com os juros que balizam o mercado, o que impede que eles fiquem mais ou menos vantajosos em relação aos juros básicos.

Olivia Paganini recomenda diversificar os investimentos. “Nós vemos a possibilidade de queda dos juros no segundo semestre de 2016, então pode ser bom aproveitar agora os títulos prefixados, que estão com taxas altas, para cravar um rendimento alto. Para um cliente moderado temos recomendado entre 10% e 20% dos recursos em títulos atrelados à inflação, 20% em títulos pré-fixados e o restante em títulos pós-fixado atrelados à Selic ou à taxa DI”, diz.

Entre as opções para acompanhar a inflação, ela recomenda o Tesouro IPCA+, título publico que paga uma taxa prefixada mais a variação do IPCA e as debêntures de infraestrutura, títulos de dívidas de empresas ligadas ao setor de infraestrutura, que são isentas de IR e pagam a variação do IPG-M ou IPCA mais taxas (mas é preciso consultar o rating dessas empresas para evitar altos riscos).

Veja quatro opções de investimento com baixo risco e que batem a poupança.

10) Aproveite para criar bons hábitos financeiros

Para manter as finanças sob controle, seja em momentos de crise ou não, é importante fazer um esforço para ampliar sua educação financeira. E a crise pode contribuir positivamente para isso.

Segundo pesquisa realizada pela Consultoria de Marketing e da Ricam Consultoria, os hábitos financeiros dos brasileiros têm melhorado muito com a crise. Enquanto em 2014, 32% dos entrevistados anotavam todos os seus gastos, em 2015, o percentual subiu para 38%. Também houve uma queda de 32% para 25% no número de entrevistados que declararam não anotar nenhum de seus gastos.

Outro dado positivo revelou que na edição de 2014 do levantamento 69% das pessoas com dívidas no cheque especial não sabiam quanto pagavam de juros. Neste ano, o percentual caiu para 53%.

Para Olivia Paganini, ser educado financeiramente não se trata de entender se a inflação e a taxa Selic vão subir ou não, mas sim de manter bons hábitos no dia a dia.

“Quando alguém fica doente, o tratamento da doença é delegado ao médico, mas não é possível delegar 100% das responsabilidades financeiras aos consultores. Eles podem ajudar muito, mas no dia a dia mesmo, as decisões de não comprar e se organizar dependem de você”, diz Olivia.

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  248. Can I just say what a relief to uncover somebody that actually knows what they are talking about online. You certainly realize how to bring a problem to light and make it important. More and more people need to read this and understand this side of the story. I was surprised that you aren’t more popular since you most certainly have the gift.

  249. Hi! I know this is somewhat off-topic however I had to ask. Does running a well-established blog like yours take a large amount of work? I’m brand new to writing a blog but I do write in my journal daily. I’d like to start a blog so I can share my own experience and feelings online. Please let me know if you have any kind of suggestions or tips for brand new aspiring blog owners. Appreciate it!

  250. I believe what you published was very reasonable. However, what about this? suppose you wrote a catchier title? I am not saying your content isn’t good, however what if you added something to maybe grab folk’s attention? I mean BLOG_TITLE is kinda plain. You ought to peek at Yahoo’s home page and note how they create news headlines to grab people to open the links. You might add a video or a pic or two to get people interested about everything’ve got to say. Just my opinion, it would bring your posts a little bit more interesting.|

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