{"id":13366,"date":"2010-01-18T07:34:41","date_gmt":"2010-01-18T10:34:41","guid":{"rendered":"http:\/\/www.inclusive.org.br\/?p=13366"},"modified":"2010-01-18T07:34:41","modified_gmt":"2010-01-18T10:34:41","slug":"especialista-da-dicas-para-economizar-nas-compras-de-materiais-escolares","status":"publish","type":"post","link":"https:\/\/inclusivenews.com.br\/?p=13366","title":{"rendered":"Especialista d\u00e1 dicas para economizar nas compras de materiais escolares"},"content":{"rendered":"<p style=\"text-align: justify;\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft\" title=\"Material escolar: cadernos, l\u00e1pis, etc.\" src=\"http:\/\/www.jagostinho.com.br\/wp-content\/uploads\/2009\/11\/material_escolar.jpg\" alt=\"\" width=\"225\" height=\"253\" \/>Bras\u00edlia &#8211; Para boa parte da popula\u00e7\u00e3o brasileira o d\u00e9cimo terceiro sal\u00e1rio pago em dezembro \u00e9 uma oportunidade para se desafogar do aperto financeiro acumulado ao longo do ano. Mas tamb\u00e9m \u00e9 per\u00edodo de gastos \u2013 seja com o Natal; seja com as f\u00e9rias. Vem o ano novo e, com ele, novos gastos. E \u00e9 geralmente \u00e0 base de uma fra\u00e7\u00e3o do que restou do d\u00e9cimo terceiro \u2013 e com financiamentos \u2013 que as fam\u00edlias acabam se virando para dar conta do que \u00e9 inevit\u00e1vel para quem tem filhos: os gastos com material escolar.\u201cH\u00e1 diversas \u00e9pocas do ano com gastos sazonais que precisam ser bem planejados\u201d, alertou o educador e terapeuta financeiro Reinaldo Domingos, durante entrevista ao programa Revista Brasil, da R\u00e1dio Nacional. \u201cE depois [<em>dos gastos com material escolar<\/em>], vem a P\u00e1scoa, o Dia das M\u00e3es&#8230; E assim ser\u00e1 o ano todo\u201d, acrescentou.<\/p>\n<p style=\"text-align: justify;\">O especialista em finan\u00e7as apresentou, durante o programa, algumas sugest\u00f5es para que os pais economizem na hora de comprar o material escolar dos filhos. \u201cUma boa pedida \u00e9 que os pais fa\u00e7am, sempre que poss\u00edvel, a compra \u00e0 vista\u201d.<\/p>\n<p style=\"text-align: justify;\">Mas ele ressalta: \u201cTem de se olhar para o cen\u00e1rio dos pr\u00f3ximos 3 a 6 meses, para avaliar se n\u00e3o h\u00e1 um evento importante que v\u00e1 necessitar desse dinheiro que est\u00e1 sendo gasto, o que levaria [<em>a pessoa<\/em>] a ter de usar o cheque especial, que cobra em torno de 10% ao m\u00eas\u201d. Segundo ele, os descontos para pagamentos \u00e0 vista podem variar entre 5% e 20%.<\/p>\n<p style=\"text-align: justify;\">Outra dica apresentada por Domingos \u00e9 a de conversar com os filhos, antes de sair para fazer as compras. \u201cProcure fazer uma reuni\u00e3o familiar, principalmente com os filhos, para verificar o que existe de material que pode ser reaproveitado. \u00c0s vezes tem muita coisa que sobrou do ano anterior, e que a gente acaba n\u00e3o percebendo\u201d, disse.<\/p>\n<p style=\"text-align: justify;\">Ele d\u00e1 exemplos: \u201cOs cadernos em espiral utilizados pela metade podem ser desmontados, remontados e reutilizados. Depois, podem ser encapados. A crian\u00e7a vai gostar desse processo artesanal de reciclagem\u201d. O reaproveitamento, afirma, pode ser estendido aos l\u00e1pis, canetas, compassos e ao estojo.<\/p>\n<p style=\"text-align: justify;\">Domingos explica que, ao reavaliar a lista de material, \u201cde 20% a 40% do material pode ser aproveitado&#8221;. H\u00e1 ainda a possibilidade de aproveitar o material utilizado pelo irm\u00e3o mais velho ou mesmo de algum amigo da fam\u00edlia.<\/p>\n<p style=\"text-align: justify;\">\u201cO maior investimento que podemos fazer \u00e9 nos filhos. Logicamente a gente vai querer sempre dar o melhor, e a\u00ed pode se entrar em desequil\u00edbrio financeiro. Entra no cheque especial, no cart\u00e3o de cr\u00e9dito e ent\u00e3o come\u00e7a a n\u00e3o conseguir pagar a parcela total do cart\u00e3o e a buscar dinheiro em financeiras ou com familiares. Em geral \u00e9 isso gera o endividamento\u201d, explicou o especialista.<\/p>\n<p>_______________________________<strong><\/strong><\/p>\n<p><strong>Fonte de informa\u00e7\u00e3o:<\/strong> <a href=\"http:\/\/www.agenciabrasil.gov.br\/noticias\/2010\/01\/10\/materia.2010-01-10.7511636709\/view\">Ag\u00eancia Brasil<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>O especialista em finan\u00e7as apresentou, durante o programa, algumas sugest\u00f5es para que os pais economizem na hora de comprar o material escolar dos filhos. \u201cUma boa pedida \u00e9 que os pais fa\u00e7am, sempre que poss\u00edvel, a compra \u00e0 vista.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-container-style":"default","site-container-layout":"default","site-sidebar-layout":"default","disable-article-header":"default","disable-site-header":"default","disable-site-footer":"default","disable-content-area-spacing":"default","footnotes":""},"categories":[6,4],"tags":[],"class_list":["post-13366","post","type-post","status-publish","format-standard","hentry","category-educacao","category-noticias"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Especialista d\u00e1 dicas para economizar nas compras de materiais escolares -<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/inclusivenews.com.br\/?p=13366\" 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