{"id":3968,"date":"2023-09-19T14:42:56","date_gmt":"2023-09-19T17:42:56","guid":{"rendered":"https:\/\/universofamilia.com\/?p=3968"},"modified":"2025-01-28T14:27:15","modified_gmt":"2025-01-28T14:27:15","slug":"7-passos-de-como-criar-e-manter-um-orcamento-familiar","status":"publish","type":"post","link":"https:\/\/universofamilia.com\/zh_hk\/\u5982\u4f55\u5275\u5efa\u548c\u7dad\u8b77\u5bb6\u5ead\u5b64\u5152\u9662\u7684-7-\u500b\u6b65\u9a5f\/","title":{"rendered":"\u5982\u4f55\u5efa\u7acb\u548c\u7dad\u8b77\u5bb6\u5ead\u7d44\u7e54\u7684 7 \u500b\u6b65\u9a5f"},"content":{"rendered":"<p>\u5982\u4f55\u5efa\u7acb\u548c\u7dad\u6301\u5bb6\u5ead\u9810\u7b97\u7684 7 \u500b\u6b65\u9a5f\u3002\u5728\u672c\u6307\u5357\u4e2d\uff0c\u6211\u5011\u5c07\u4ecb\u7d39\u4e00\u500b\u7c21\u55ae\u7684\u6b65\u9a5f\uff0c\u5e6b\u52a9\u60a8\u5efa\u7acb\u4e26\u7dad\u6301\u9069\u5408\u60a8\u5bb6\u5ead\u7684\u9810\u7b97\u3002\u770b\u770b\u5982\u4f55\u505a\u5230\u9019\u4e00\u9ede\uff1a<\/p>\n\n\n\n<ul>\n<li><strong>\u8a08\u7b97\u60a8\u7684\u7e3d\u6536\u5165<\/strong>\u7b2c\u4e00\u6b65\u662f\u7cbe\u78ba\u78ba\u5b9a\u6709\u591a\u5c11\u9322\u9032\u5165\u60a8\u7684\u5bb6\u4e2d\u3002<\/li>\n\n\n\n<li><strong>\u5206\u6790\u60a8\u7684\u652f\u51fa<\/strong>\uff1a\u900f\u904e\u6aa2\u8996\u60a8\u7684\u5c0f\u7b46\u958b\u652f\uff0c\u627e\u51fa\u60a8\u7684\u9322\u90fd\u82b1\u5230\u54ea\u88e1\u53bb\u4e86\u3002<\/li>\n\n\n\n<li><strong>\u8a73\u7d30\u8aaa\u660e\u60a8\u7684\u9810\u7b97<\/strong>\u6839\u64da\u60a8\u7684\u6536\u5165\u548c\u652f\u51fa\uff0c\u5236\u5b9a\u7b26\u5408\u60a8\u5bb6\u5ead\u9700\u6c42\u7684\u5be6\u969b\u9810\u7b97\u3002<\/li>\n\n\n\n<li><strong>\u4f7f\u7528\u652f\u63f4\u7cfb\u7d71<\/strong>\u70ba\u4e86\u63a7\u5236\u60a8\u7684\u8ca1\u52d9\uff0c\u8acb\u63a1\u7528\u4e00\u500b\u65b9\u4fbf\u8a18\u9304\u6536\u652f\u7684\u7cfb\u7d71\u3002<\/li>\n\n\n\n<li><strong>\u6e1b\u5c11\u6d6a\u8cbb\u958b\u652f<\/strong>\uff1a\u8b58\u5225\u4e26\u6d88\u9664\u4e0d\u5fc5\u8981\u7684\u6d6a\u8cbb\uff0c\u4ee5\u9a30\u51fa\u8ca1\u52d9\u8cc7\u6e90\u3002<\/li>\n\n\n\n<li><strong>\u5c07\u7d93\u6fdf\u7684\u4e00\u90e8\u5206<\/strong>\uff1a\u5c07\u6536\u5165\u7684\u67d0\u500b\u767e\u5206\u6bd4\u7528\u65bc\u9577\u671f\u5132\u84c4\u548c\u8ca1\u52d9\u76ee\u6a19\u3002<\/li>\n\n\n\n<li><strong>\u9032\u884c\u6301\u7e8c\u8abf\u6574<\/strong>\uff1a\u7576\u60a8\u7684\u8ca1\u52d9\u72c0\u6cc1\u767c\u751f\u8b8a\u5316\u6642\uff0c\u8acb\u8abf\u6574\u60a8\u7684\u9810\u7b97\u4ee5\u53cd\u6620\u9019\u4e9b\u8b8a\u5316\u3002<\/li>\n<\/ul>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"960\" height=\"540\" src=\"http:\/\/universofamilia.com\/wp-content\/uploads\/sites\/148\/2023\/09\/P-UNIV-FAMILIA-7-Passos-de-Como-Criar-e-Manter-um-Orcamento-Familiar.png\" alt=\"\" class=\"wp-image-3969\" srcset=\"https:\/\/universofamilia.com\/wp-content\/uploads\/sites\/148\/2023\/09\/P-UNIV-FAMILIA-7-Passos-de-Como-Criar-e-Manter-um-Orcamento-Familiar.png 960w, https:\/\/universofamilia.com\/wp-content\/uploads\/sites\/148\/2023\/09\/P-UNIV-FAMILIA-7-Passos-de-Como-Criar-e-Manter-um-Orcamento-Familiar-300x169.png 300w, https:\/\/universofamilia.com\/wp-content\/uploads\/sites\/148\/2023\/09\/P-UNIV-FAMILIA-7-Passos-de-Como-Criar-e-Manter-um-Orcamento-Familiar-768x432.png 768w\" sizes=\"(max-width: 960px) 100vw, 960px\" \/><\/figure><\/div>\n\n\n<p>\u6211\u5011\u77ad\u89e3\uff0c\u7de8\u88fd\u9810\u7b97\u53ef\u80fd\u4e0d\u662f\u8981\u6c42\u6700\u56b4\u683c\u7684\u6d3b\u52d5\uff0c\u4f46\u5c0d\u65bc\u78ba\u4fdd\u8ca1\u52d9\u63a7\u5236\u800c\u8a00\u537b\u975e\u5e38\u91cd\u8981\u3002<\/p>\n\n\n\n<p>\u6b64\u5916\uff0c\u5c0d\u65bc\u672a\u4f86\u53ef\u80fd\u9762\u81e8\u5b30\u5152\u76f8\u95dc\u8cbb\u7528\u7684\u570b\u5bb6\uff0c\u4ee5\u53ca\u53ef\u80fd\u56e0\u5e36\u8457\u5b30\u5152\u7684\u751f\u6d3b\u9700\u6c42\u800c\u8ca0\u64d4\u904e\u91cd\u7684\u9996\u6b21\u65c5\u884c\u8005\u800c\u8a00\uff0c\u9019\u4e00\u9ede\u5c24\u5176\u91cd\u8981\u3002<\/p>\n\n\n\n<p>\u7136\u800c\uff0c\u8ca1\u52d9\u898f\u5283\u7684\u56de\u5831\u662f\u986f\u8457\u7684\u3002\u8acb\u7e7c\u7e8c\u95b1\u8b80\u4e26\u5f9e\u4eca\u5929\u958b\u59cb\u5efa\u7acb\u60a8\u7684\u5bb6\u5ead\u9810\u7b97\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u5efa\u7acb\u6709\u6548\u9810\u7b97\u7684\u8ca1\u52d9\u76ee\u6a19<\/strong><\/h3>\n\n\n\n<p>\u5c0d\u65bc\u8a31\u591a\u65b0\u6210\u7acb\u7684\u570b\u5bb6\u4f86\u8aaa\uff0c\u7de8\u5217\u9810\u7b97\u4f3c\u4e4e\u5f88\u6709\u6311\u6230\u6027\uff0c\u56e0\u70ba\u4ed6\u5011\u50be\u5411\u65bc\u5c08\u6ce8\u65bc\u77ed\u671f\u9700\u6c42\uff0c\u800c\u975e\u9577\u671f\u898f\u5283\u3002<\/p>\n\n\n\n<p>\u4f46\u662f\uff0c\u8003\u616e\u672a\u4f86\u7684\u9700\u8981\u662f\u975e\u5e38\u5fc5\u8981\u7684\u3002\u7121\u8ad6\u662f\u8cfc\u8cb7\u5c0f\u8ca8\u8eca\u3001\u66f4\u5927\u7684\u623f\u5b50\uff0c\u6216\u662f\u70ba\u5b69\u5b50\u7684\u5927\u5b78\u6559\u80b2\u5132\u84c4\uff0c\u6709\u4e86\u660e\u78ba\u7684\u76ee\u6a19\uff0c\u5c31\u66f4\u5bb9\u6613\u9075\u5faa\u7d50\u69cb\u5b8c\u5584\u7684\u8ca1\u52d9\u8a08\u5283\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u8a08\u7b97\u60a8\u7684\u7e3d\u6536\u5165<\/strong><\/h3>\n\n\n\n<p>\u900f\u904e\u67e5\u770b\u60a8\u7684\u85aa\u8cc7\u55ae\u548c\u9280\u884c\u7d50\u55ae\u4f86\u8a08\u7b97\u60a8\u7684\u6bcf\u6708\u6536\u5165\u3002\u9664\u4e86\u60a8\u7684\u6de8\u85aa\u8cc7\u4e4b\u5916\uff0c\u8acb\u8003\u616e\u5bb6\u4e2d\u662f\u5426\u6709\u5176\u4ed6\u6536\u5165\u4f86\u6e90\uff0c\u4f8b\u5982\u984d\u5916\u6d3b\u52d5\u3002<\/p>\n\n\n\n<p>\u56e0\u6b64\uff0c\u5982\u679c\u60a8\u6253\u7b97\u6210\u70ba\u5bb6\u5ead\u4e3b\u5a66\uff0c\u8acb\u505a\u597d\u53ea\u9760\u55ae\u4e00\u85aa\u6c34\u751f\u6d3b\u7684\u6e96\u5099\u3002\u5728\u96e2\u8077\u524d\uff0c\u5148\u7df4\u7fd2\u4e00\u6bb5\u6642\u9593\u9760\u60a8\u4f34\u4fb6\u7684\u6536\u5165\u751f\u6d3b\uff0c\u4e26\u7528\u60a8\u81ea\u5df1\u7684\u6536\u5165\u4f86\u62b5\u92b7\u50b5\u52d9\u6216\u5132\u84c4\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u5206\u6790\u60a8\u7684\u652f\u51fa<\/strong><\/h3>\n\n\n\n<p>\u77e5\u9053\u60a8\u7684\u9322\u90fd\u82b1\u5230\u54ea\u88e1\u53bb\u4e86\u624d\u662f\u5177\u6709\u6311\u6230\u6027\u7684\u90e8\u5206\u3002\u8a31\u591a\u4eba\u90fd\u4e0d\u6e05\u695a\u81ea\u5df1\u7684\u96f6\u7528\u9322\u652f\u51fa\uff0c\u9019\u6703\u8b93\u4ed6\u5011\u96e3\u4ee5\u511f\u9084\u50b5\u52d9\u548c\u70ba\u623f\u6771\u5132\u84c4\u3002<\/p>\n\n\n\n<p>\u6b64\u5916\uff0c\u8acb\u91cd\u65b0\u6aa2\u8996\u60a8\u904e\u53bb\u5e7e\u500b\u6708\u7684\u9280\u884c\u652f\u51fa\uff0c\u4ee5\u77ad\u89e3\u60a8\u7684\u652f\u51fa\u3002\u7136\u5f8c\uff0c\u4ed4\u7d30\u8ffd\u8e64\u60a8\u4e0b\u500b\u6708\u7684\u958b\u92b7\uff0c\u6ce8\u610f\u7279\u6b8a\u652f\u51fa\uff0c\u4f8b\u5982\u5047\u671f\u6216\u8056\u8a95\u79ae\u7269\u3002<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u8a73\u7d30\u8aaa\u660e\u60a8\u7684\u9810\u7b97<\/strong><\/h4>\n\n\n\n<p>\u5c0d\u5927\u591a\u6578\u5bb6\u5ead\u800c\u8a00\uff0c\u6709\u6548\u7684\u8ca1\u52d9\u8a08\u756b\u662f 50\/30\/20 \u6cd5\u5247\uff0c\u8a72\u6cd5\u5247\u5c07\u958b\u652f\u5206\u70ba\u9700\u6c42\u3001\u617e\u671b\u548c\u76ee\u6a19\u5982\u4e0b\uff1a<\/p>\n\n\n\n<ul>\n<li>50% \u9069\u7528\u65bc\u57fa\u672c\u9700\u6c42\uff0c\u4f8b\u5982\u7e2b\u7d09\u3001\u7e2b\u7dda\u548c\u7e2b\u7d09\u3002<\/li>\n\n\n\n<li>30% \u7528\u65bc\u975e\u5fc5\u8981\u958b\u652f\uff0c\u4f8b\u5982\u79ae\u7269\u3001\u6d3e\u5c0d\u548c\u5a1b\u6a02\u3002<\/li>\n\n\n\n<li>20% \u7528\u65bc\u7e73\u8cbb\u548c\u4ed8\u6b3e\u3002<\/li>\n<\/ul>\n\n\n\n<p>\u4e86\u89e3\u60a8\u7684\u5c0f\u984d\u652f\u51fa\u5f8c\uff0c\u5c07\u6bcf\u9805\u652f\u51fa\u6b78\u985e\u70ba\u9019\u4e09\u985e\uff0c\u4ee5\u8a55\u4f30\u60a8\u7684\u8ca1\u52d9\u72c0\u6cc1\u3002<\/p>\n\n\n\n<p>\u6b64\u5916\uff0c\u5982\u679c\u60a8\u7684\u57fa\u672c\u652f\u51fa\u4e26\u672a\u9054\u5230\u60a8\u5e73\u5747\u6536\u5165\u7684\u4e00\u6210\uff0c\u800c\u4e14\u60a8\u4e5f\u6c92\u6709\u5c07\u81f3\u5c11 20% \u7528\u65bc\u9910\u98f2\uff0c\u90a3\u9ebc\u60a8\u5c31\u61c9\u8a72\u8abf\u6574\u60a8\u7684\u652f\u51fa\uff0c\u4ee5\u9054\u5230\u9019\u4e9b\u76ee\u6a19\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u4f7f\u7528\u652f\u63f4\u7cfb\u7d71<\/strong><\/h3>\n\n\n\n<p>\u5efa\u7acb\u4e00\u5957\u7cfb\u7d71\u662f\u8ffd\u8e64\u9810\u7b97\u7684\u5fc5\u8981\u689d\u4ef6\u3002\u4f7f\u7528 Excel \u8a66\u7b97\u8868\u4f86\u8a18\u9304\u60a8\u7684\u958b\u92b7\u662f\u4e00\u500b\u5f88\u53d7\u6b61\u8fce\u7684\u9078\u64c7\uff0c\u9019\u6703\u8b93\u60a8\u7684\u9810\u7b97\u66f4\u52a0\u5408\u7406\uff0c\u5c24\u5176\u662f\u7576\u60a8\u6309\u7167\u984f\u8272\u4f86\u5206\u985e\u6642\u3002<\/p>\n\n\n\n<p>\u4f7f\u7528\u76e3\u63a7\u9810\u7b97\u3001\u8ffd\u8e64\u958b\u652f\u4e26\u5728\u8d85\u652f\u6642\u767c\u51fa\u8b66\u5831\u7684\u5de5\u5177\u6216\u61c9\u7528\u7a0b\u5f0f\uff0c\u53ef\u9032\u4e00\u6b65\u7c21\u5316\u60a8\u7684\u6703\u8a08\u5de5\u4f5c\u3002<\/p>\n\n\n\n<p>\u56e0\u6b64\uff0c\u53e6\u4e00\u500b\u9078\u64c7\u662f\u5617\u8a66\u4f7f\u7528\u61c9\u7528\u7a0b\u5f0f\uff0c\u6839\u64da\u60a8\u7684\u4f4d\u7f6e\u4f7f\u7528\u4fe1\u5c01\u9810\u7b97\u7684\u6982\u5ff5\u4f86\u63a7\u5236\u60a8\u5728\u7279\u5b9a\u985e\u5225 (\u4f8b\u5982\u8d85\u5e02) \u7684\u652f\u51fa\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u6e1b\u5c11\u6d6a\u8cbb\u958b\u652f<\/strong><\/h3>\n\n\n\n<p>\u96d6\u7136\u6709\u4e9b\u56fa\u5b9a\u652f\u51fa\u53ef\u80fd\u7121\u6cd5\u63a7\u5236\uff0c\u4f8b\u5982\u6c7d\u8eca\u4ed8\u6b3e\u6216\u878d\u8cc7\uff0c\u4f46\u4ecd\u6709\u53ef\u80fd\u6e1b\u5c11\u5176\u4ed6\u652f\u51fa\u3002\u5206\u6790\u60a8\u7684\u6536\u64da\uff0c\u627e\u51fa\u53ef\u4ee5\u7bc0\u7701\u958b\u652f\u7684\u5730\u65b9\u3002<\/p>\n\n\n\n<p>\u5982\u679c\u60a8\u7684\u6236\u5916\u7ffb\u65b0\u8cbb\u7528\u8d85\u904e R$ 200\uff0c\u6216\u96fb\u5b50\u7bb1\u8cbb\u7528\u8d85\u904e R$ 50\uff0c\u8acb\u958b\u59cb\u524a\u6e1b\u9019\u4e9b\u8cbb\u7528\u3002<\/p>\n\n\n\n<p>\u5b30\u5152\u8a2d\u5099\u7684\u958b\u652f\uff0c\u4f8b\u5982\u5b30\u5152\u8eca\u3001\u5b30\u5152\u80cc\u5305\u548c\u5b30\u5152\u6416\u7c43\uff0c\u90fd\u6703\u5f71\u97ff\u9810\u7b97\u3002\u6b64\u5916\uff0c\u9084\u8981\u8003\u616e\u65e5\u5e38\u5fc5\u9700\u54c1\uff0c\u4f8b\u5982\u5c3f\u5e03\u3001\u6fd5\u8863\u670d\u548c\u5b30\u5152\u98df\u54c1\u3002<\/p>\n\n\n\n<p>\u70ba\u4e86\u7bc0\u7701\u958b\u652f\uff0c\u60a8\u53ef\u4ee5\u8003\u616e\u5f9e\u6e05\u55ae\u4e2d\u5254\u9664\u4e0d\u90a3\u9ebc\u91cd\u8981\u7684\u7269\u54c1\uff0c\u800c\u9078\u64c7\u501f\u7528\u6216\u8cfc\u8cb7\u4e8c\u624b\u7269\u54c1\uff0c\u53ea\u8981\u5b83\u5011\u7b26\u5408\u7576\u524d\u7684\u5b89\u5168\u6a19\u6e96\u5373\u53ef\u3002<\/p>\n\n\n\n<p>\u6b64\u5916\uff0c\u60a8\u9084\u53ef\u4ee5\u900f\u904e\u52a0\u5165 assinatura \u670d\u52d9\u6216\u5927\u91cf\u8cfc\u8cb7\u4f86\u964d\u4f4e\u4f7f\u7528 fraldas \u7684\u8cbb\u7528\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u5c07\u7d93\u6fdf\u7684\u4e00\u90e8\u5206<\/strong><\/h3>\n\n\n\n<p>\u8981\u898f\u5283\u5bf6\u5bf6\u7684\u6559\u80b2\u672a\u4f86\uff0c\u5fc5\u9808\u9075\u5faa\u4e00\u4e9b\u91cd\u8981\u7684\u6b65\u9a5f\uff1a<\/p>\n\n\n\n<ul>\n<li><strong>\u6e1b\u5c11\u4fe1\u7528\u5361\u50b5\u52d9<\/strong>\uff1a \u511f\u9084\u4efb\u4f55\u73fe\u6709\u7684\u4fe1\u7528\u5361\u50b5\u52d9\uff0c\u56e0\u70ba\u9019\u6a23\u53ef\u4ee5\u5927\u5e45\u7bc0\u7701\u5229\u606f\u3002<\/li>\n\n\n\n<li><strong>\u5efa\u7acb\u7dca\u6025\u57fa\u91d1<\/strong>\u5efa\u7acb\u76f8\u7576\u65bc\u4e09\u81f3\u516d\u500b\u6708\u652f\u51fa\u7684\u5132\u5099\uff0c\u4ee5\u78ba\u4fdd\u8ca1\u52d9\u5b89\u5168\u3002<\/li>\n\n\n\n<li><strong>\u8ca2\u737b\u652f\u6301<\/strong>\uff1a \u958b\u59cb\u6295\u8cc7\u65bc IRA\u3001401(k) 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style=\"border-collapse: collapse;width: 100%;height: 96px\">\n<tbody>\n<tr style=\"height: 96px\">\n<td style=\"width: 10.1223%;height: 96px\"><a href=\"https:\/\/www.luzbaby.com.br\/\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-3747\" src=\"http:\/\/universofamilia.com\/wp-content\/uploads\/sites\/148\/2023\/09\/Design-sem-nome-3-300x300.png\" alt=\"\" width=\"106\" height=\"106\" srcset=\"https:\/\/universofamilia.com\/wp-content\/uploads\/sites\/148\/2023\/09\/Design-sem-nome-3-300x300.png 300w, https:\/\/universofamilia.com\/wp-content\/uploads\/sites\/148\/2023\/09\/Design-sem-nome-3-150x150.png 150w, https:\/\/universofamilia.com\/wp-content\/uploads\/sites\/148\/2023\/09\/Design-sem-nome-3.png 315w\" sizes=\"(max-width: 106px) 100vw, 106px\" \/><\/a><\/td>\n<td style=\"width: 89.5168%;height: 96px\">\n<h4><span style=\"color: #000000\"><strong><a style=\"color: #000000\" href=\"https:\/\/www.luzbaby.com.br\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u8a8d\u8b58 Luz Baby\uff0c\u6700\u597d\u7684\u5152\u7ae5\u7528\u54c1\u5e97\u4e4b\u4e00\u3002<\/a><\/strong><\/span><\/h4>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>","protected":false},"excerpt":{"rendered":"<p>\u6253\u9020\u548c\u7dad\u8b77\u5bb6\u5ead\u88dd\u98fe\u54c1\u76847\u500b\u6b65\u9a5f\u3002\u5728\u672c\u6307\u5357\u4e2d\uff0c\u6211\u5011\u5c07\u5206\u968e\u6bb5\u4ecb\u7d39\u4e00\u500b\u7c21\u55ae\u7684\u6d41\u7a0b\uff0c\u5e6b\u52a9\u60a8\u6253\u9020\u548c\u7dad\u8b77\u9069\u5408\u60a8\u5bb6\u5ead\u7684\u79ae\u7269\u3002\u770b\u770b\u5982\u4f55\u64cd\u4f5c\uff1a\u6211\u5011\u7406\u89e3\uff0c\u88fd\u4f5c\u88dd\u98fe\u54c1\u53ef\u80fd\u4e26\u975e\u4e00\u9805\u66f4\u96e3\u7684\u6d3b\u52d5\uff0c\u4f46\u5b83\u5c0d\u65bc\u4fdd\u8b49\u6216 [\u2026] \u81f3\u95dc\u91cd\u8981\u3002<\/p>","protected":false},"author":139,"featured_media":3972,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>7 Passos de Como Criar e Manter um Or\u00e7amento Familiar - Universo Fam\u00edlia<\/title>\n<meta name=\"description\" content=\"7 passos de como criar e manter um or\u00e7amento familiar. 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