ORÇAMENTO FAMILIAR rtf

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<p>1. O que é orçamento familiar e qual a importância de fazê-lo?</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>2. Fazer uma lista das despesas de sua família e classificá-las em necessárias, úteis e supérfluas.</p><p>_______________________</p><p>_______________________</p><p>_______________________</p><p>_______________________</p><p>_______________________</p><p>_______________________</p><p>_______________________</p><p>_______________________</p><p>_______________________</p><p>_______________________</p><p>_______________________</p><p>_______________________</p><p>_______________________</p><p>_______________________</p><p>_______________________</p><p>_______________________</p><p>_______________________</p><p>_______________________</p><p>_______________________</p><p>_______________________</p><p>_______________________</p><p>_______________________</p><p>_______________________</p><p>_______________________</p><p>_______________________</p><p>_______________________</p><p>_______________________</p><p>_______________________</p><p>_______________________</p><p>_______________________</p><p>_______________________</p><p>_______________________</p><p>_______________________</p><p>_______________________</p><p>_______________________</p><p>_______________________</p><p>_______________________</p><p>_______________________</p><p>_______________________</p><p>3. Verificar a lista de compras de mantimentos e produtos de higiene e limpeza de sua família. Todos</p><p>os itens são realmente necessários?</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>4. Descobrir qual é o melhor dia e local para se adquirir hortaliças, frutas e verduras em seu bairro.</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>5. O que você e sua família podem fazer para economizar água, energia elétrica e telefone?</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>6. O que é inflação?</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>7. Que impostos sua família precisa pagar? Em qual mês eles devem ser pagos?</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>8. Que tipos de compras nunca deveriam ser feitas a prazo? Por quê?</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>9. O que é juros? Como deve ser calculado?</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>10. Pesquisar qual a taxa de juros e encargos financeiros nas linhas de crédito a seguir:</p><p>a. Cartão de crédito.</p><p>_________________________________________________________________________</p><p>_________________________________________________________________________</p><p>_________________________________________________________________________</p><p>_________________________________________________________________________</p><p>_________________________________________________________________________</p><p>b. Cheque especial.</p><p>_________________________________________________________________________</p><p>_________________________________________________________________________</p><p>_________________________________________________________________________</p><p>_________________________________________________________________________</p><p>_________________________________________________________________________</p><p>c. Empréstimo pessoal</p><p>_________________________________________________________________________</p><p>_________________________________________________________________________</p><p>_________________________________________________________________________</p><p>_________________________________________________________________________</p><p>_________________________________________________________________________</p><p>11. Que medidas devem ser tomadas quando a família está endividada?</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>12. Qual porcentagem da renda de uma família deve ser poupada?</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>13. Pesquisar, ao menos, 2 métodos, além da caderneta de poupança, para investir o dinheiro</p><p>poupado. Quais as vantagens e desvantagens de cada um?</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>14. Saber fazer o seguinte:</p><p>a. Preencher e endossar cheques.</p><p>_________________________________________________________________________</p><p>_________________________________________________________________________</p><p>_________________________________________________________________________</p><p>_________________________________________________________________________</p><p>_________________________________________________________________________</p><p>_________________________________________________________________________</p><p>_________________________________________________________________________</p><p>b. Preencher recibos.</p><p>_________________________________________________________________________</p><p>_________________________________________________________________________</p><p>_________________________________________________________________________</p><p>_________________________________________________________________________</p><p>_________________________________________________________________________</p><p>_________________________________________________________________________</p><p>_________________________________________________________________________</p><p>c. Pagar boletos e/ou faturas em um terminal de autoatendimento.</p><p>_________________________________________________________________________</p><p>_________________________________________________________________________</p><p>_________________________________________________________________________</p><p>_________________________________________________________________________</p><p>_________________________________________________________________________</p><p>_________________________________________________________________________</p><p>_________________________________________________________________________</p><p>d. Arquivar recibos de pagamentos.</p><p>_________________________________________________________________________</p><p>_________________________________________________________________________</p><p>_________________________________________________________________________</p><p>_________________________________________________________________________</p><p>_________________________________________________________________________</p><p>_________________________________________________________________________</p><p>_________________________________________________________________________</p><p>e. Interpretar um extrato de conta corrente/poupança.</p><p>_________________________________________________________________________</p><p>_________________________________________________________________________</p><p>_________________________________________________________________________</p><p>_________________________________________________________________________</p><p>_________________________________________________________________________</p><p>_________________________________________________________________________</p><p>_________________________________________________________________________</p><p>15. Manter um orçamento pessoal e relatório de entrada e saída de dinheiro durante, pelo menos, 6</p><p>meses.</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>16. Montar um orçamento familiar e manter um relatório preciso de entradas e saídas durante 6 meses</p><p>(desbravadores mais jovens podem fazer isto em conjunto com os pais); os garotos e garotas que</p><p>vivem em fazendas, podem fazer relatórios ligados à agricultura, laticínios ou gado.</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>17. Ler Malaquias 3:8-12 e escrever, no mínimo, 250 palavras sobre o que significa, para você, ser um</p><p>mordomo fiel.</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p><p>_______________________________________________________________________________</p>