Organização pessoal financeira como instrumento para gerenciar endividamento

Abstract

With the processes of opening credit and more facilities for consumers, it is now seen that the majority of the population started to make purchases of goods and services more frequently, a fact that could compromise the personal budget. Faced with the assisted reality, it was invested in studies that sought solutions for the organization of personal finances, trying to create solutions and behaviors that could avoid the state of indebtedness. In this sense, this article has the objective of visualizing personal finance planning as a tool for managing the financial indebtedness of individuals, being also able to maintain control and the relationship between debts and personal income. With the research carried out, it was possible to answer the following question: how can planning avoid debt and get control of the finances of individuals? The present study sought to analyze the level of knowledge and mastery of personal finances, selecting a group of students from the Course of Accounting Sciences of the Federal University of Ceará (UFC).