{"id":15157,"date":"2022-09-12T12:07:37","date_gmt":"2022-09-12T15:07:37","guid":{"rendered":"https:\/\/www.cf.coop.br\/?page_id=15157"},"modified":"2024-08-26T15:02:08","modified_gmt":"2024-08-26T18:02:08","slug":"educacao-financeira","status":"publish","type":"page","link":"https:\/\/www.cf.coop.br\/cooperativismo\/educacao-financeira\/","title":{"rendered":"Educa\u00e7\u00e3o Financeira"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"15157\" class=\"elementor elementor-15157\" data-elementor-settings=\"{&quot;scroll_snap&quot;:&quot;yes&quot;}\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fb3a790 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"fb3a790\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-704c6ca\" data-id=\"704c6ca\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-eff5aef elementor-widget elementor-widget-text-editor\" data-id=\"eff5aef\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 30-04-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<section class=\"bloco-2\">\n<div class=\"container-fluid\">\n<div class=\"row pt-4\">\n<div class=\"col-lg-12\">\n<p><b class=\"fw-bold pb-2 fs-4\">Saber como gerenciar seu dinheiro, ou seja, controlar gastos, poupar, investir e conhecer seu perfil financeiro s\u00e3o fatores importantes para ter sa\u00fade e independ\u00eancia financeira.<\/b><\/p>\n<p>Segundo a Estrat\u00e9gia Nacional de Educa\u00e7\u00e3o Financeira (ENEF), \u201ceduca\u00e7\u00e3o financeira \u00e9 o processo no qual os indiv\u00edduos melhoram sua compreens\u00e3o em rela\u00e7\u00e3o ao dinheiro e produtos financeiros com informa\u00e7\u00e3o, forma\u00e7\u00e3o e orienta\u00e7\u00e3o.\u201d<\/p>\n<p>Por meio da educa\u00e7\u00e3o financeira, s\u00e3o difundidos conceitos e ferramentas que permitem cuidar das finan\u00e7as pessoais e, assim, voc\u00ea consegue pagar as suas contas, guardar um dinheiro para realizar seus sonhos e, consequentemente, ter mais qualidade de vida.<\/p>\n<p>Veja abaixo algumas orienta\u00e7\u00f5es para desenvolver e praticar a educa\u00e7\u00e3o financeira:<\/p>\n<p>\t<div class=\"accordion\" id=\"accordionPanelsStayOpenExample\"><div class=\"accordion-item\">\n\t\t\t<h2 class=\"accordion-header\" id=\"headingOne\">\n\t\t\t\t<button class=\"accordion-button \" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapse1\" aria-expanded=\"true\" aria-controls=\"collapse1\"><b>Elabore seu or\u00e7amento pessoal<\/b><\/button>\n\t\t\t<\/h2>\n\t\t\t<div id=\"collapse1\" class=\"accordion-collapse collapse show\" aria-labelledby=\"heading1\" data-bs-parent=\"#accordionExample\">\n\t\t\t\t<div class=\"accordion-body\">\n\t\t\t\t<p>Esse exerc\u00edcio traz v\u00e1rios benef\u00edcios para a vida pessoal e familiar pois, ao anotar e comparar suas receitas e despesas, projetando os meses futuros e mantendo o controle de seus gastos, voc\u00ea se torna mais consciente do que fazer com seu dinheiro.<\/p>\r\n<p>O or\u00e7amento pessoal permitir\u00e1 um melhor planejamento de suas metas, como viagens, aquisi\u00e7\u00f5es e investimentos.<\/p>\r\n<p>Como organizar um or\u00e7amento pessoal?<\/p>\r\n<p>1. Conhe\u00e7a suas receitas e seus gastos.<br \/>\r\n2. Anote suas despesas.<br \/>\r\n3. Analise os gastos por categoria: transporte, alimenta\u00e7\u00e3o, lazer etc.<br \/>\r\n4. Economize dinheiro.<br \/>\r\n5. Tenha metas claras.<br \/>\r\n6. Elimine gastos sup\u00e9rfluos.<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><div class=\"accordion-item\">\n\t\t\t<h2 class=\"accordion-header\" id=\"headingOne\">\n\t\t\t\t<button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapse2\" aria-expanded=\"false\" aria-controls=\"collapse2\"><b>Use o cr\u00e9dito de forma consciente<\/b><\/button>\n\t\t\t<\/h2>\n\t\t\t<div id=\"collapse2\" class=\" collapse\" aria-labelledby=\"heading2\" data-bs-parent=\"#accordionExample\">\n\t\t\t\t<div class=\"accordion-body\">\n\t\t\t\t<p>O uso planejado, cuidadoso e racional dos recursos financeiros que podem ser obtidos por meio de empr\u00e9stimos e financiamentos visa evitar o endividamento excessivo, j\u00e1 que tomar cr\u00e9dito al\u00e9m do necess\u00e1rio pode dificultar o seu pagamento e se transformar em um problema maior.<\/p>\r\n<p>A decis\u00e3o de utilizar cr\u00e9dito deve ser estudada e analisada antes de sua concretiza\u00e7\u00e3o, considerando fatores como taxas, prazos, formas de pagamento e, principalmente, a capacidade de pagamento, visto que o comprometimento da renda em fun\u00e7\u00e3o do cr\u00e9dito pode tornar-se insustent\u00e1vel.<\/p>\r\n<p>Veja algumas dicas que podem ajudar no uso consciente do cr\u00e9dito:<\/p>\r\n<p><b>1 &#8211; Pesquise as alternativas dispon\u00edveis<\/b><\/p>\r\n<p>Antes de contratar uma opera\u00e7\u00e3o de cr\u00e9dito, \u00e9 fundamental analisar com cuidado as formas e op\u00e7\u00f5es de cr\u00e9dito dispon\u00edveis para voc\u00ea. \u00c9 importante saber qual a forma de cr\u00e9dito que ter\u00e1 os melhores resultados, taxas menores e menor Custo Efetivo Total (CET), que \u00e9 o valor total da opera\u00e7\u00e3o de cr\u00e9dito ao final do per\u00edodo de pagamento.<\/p>\r\n<p><b>2 &#8211; Escolha o cr\u00e9dito que cabe no seu bolso<\/b><\/p>\r\n<p>O valor a ser pago pelo cr\u00e9dito utilizado precisa caber no or\u00e7amento para que as parcelas e custos n\u00e3o acabem atrapalhando sua situa\u00e7\u00e3o financeira e gerando a depend\u00eancia de novos empr\u00e9stimos.<\/p>\r\n<p><b>3 &#8211; Cr\u00e9dito n\u00e3o \u00e9 fonte de renda<\/b><\/p>\r\n<p>A contrata\u00e7\u00e3o de cr\u00e9dito deve ter uma finalidade determinada e atender uma necessidade espec\u00edfica, para que seu uso n\u00e3o se torne um h\u00e1bito. Lembre-se que o cr\u00e9dito n\u00e3o \u00e9 uma fonte de renda e n\u00e3o deve compor seu c\u00e1lculo de or\u00e7amento ou planejamento financeiro.<\/p>\r\n<p><b>4 &#8211; Busque orienta\u00e7\u00e3o para o uso do cr\u00e9dito<\/b><\/p>\r\n<p>Por \u00faltimo, \u00e9 recomendado que voc\u00ea busque orienta\u00e7\u00e3o especializada para o uso consciente do cr\u00e9dito, evitando que voc\u00ea acabe gastando demais, contratando um empr\u00e9stimo que n\u00e3o precisa ou gerando novas d\u00edvidas.<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><div class=\"accordion-item\">\n\t\t\t<h2 class=\"accordion-header\" id=\"headingOne\">\n\t\t\t\t<button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapse3\" aria-expanded=\"false\" aria-controls=\"collapse3\"><b>Saiba lidar com a d\u00edvida<\/b><\/button>\n\t\t\t<\/h2>\n\t\t\t<div id=\"collapse3\" class=\" collapse\" aria-labelledby=\"heading3\" data-bs-parent=\"#accordionExample\">\n\t\t\t\t<div class=\"accordion-body\">\n\t\t\t\t<p>Quando algu\u00e9m se endivida de maneira descontrolada, fica com a renda comprometida e com dificuldades para honrar os compromissos financeiros. Al\u00e9m disso, pode causar consequ\u00eancias de natureza psicol\u00f3gica, queda da qualidade de vida e restri\u00e7\u00f5es cadastrais.<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t\t<p>A forma de sair dessa situa\u00e7\u00e3o \u00e9 mapear e listar todas as suas d\u00edvidas e evitar assumir novos compromissos financeiros; renegociar d\u00edvidas com credores, buscando melhores condi\u00e7\u00f5es financeiras; priorizar os pagamentos de d\u00edvidas que cobram juros mais altos; reduzir gastos, cortando primeiramente, os sup\u00e9rfluos; identificar e eliminar despesas que pouco beneficiam voc\u00ea ou sua fam\u00edlia; e tentar obter renda extra.<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><div class=\"accordion-item\">\n\t\t\t<h2 class=\"accordion-header\" id=\"headingOne\">\n\t\t\t\t<button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapse4\" aria-expanded=\"false\" aria-controls=\"collapse4\"><b>Adquira o h\u00e1bito de economizar<\/b><\/button>\n\t\t\t<\/h2>\n\t\t\t<div id=\"collapse4\" class=\" collapse\" aria-labelledby=\"heading4\" data-bs-parent=\"#accordionExample\">\n\t\t\t\t<div class=\"accordion-body\">\n\t\t\t\t<p>Com um bom planejamento, voc\u00ea conseguir\u00e1 economizar de maneira mais f\u00e1cil e integrar esse h\u00e1bito ao seu cotidiano. N\u00e3o gaste antes de receber ou mais do que o que voc\u00ea ganha. T\u00e3o importante quanto dar o primeiro passo na sua decis\u00e3o para guardar seus recursos, \u00e9 manter a motiva\u00e7\u00e3o e continuar com h\u00e1bitos saud\u00e1veis em suas finan\u00e7as.<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t\t<p>Lembre-se que o valor economizado pode ser utilizado em imprevistos, per\u00edodos de dificuldade financeira, para negociar descontos nas compras \u00e0 vista, obter rendimentos extras, complementar ou acumular recursos para aposentadoria e realizar sonhos.<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><\/div><\/p>\n<div id=\"educacao-financeira\"><br\/><br \/><br \/><\/div>\n<h1>Educa\u00e7\u00e3o Financeira<\/h1>\n\n<p>A COOPERFORTE e o Instituto Cooperforte apresentam a S\u00e9rie Educa\u00e7\u00e3o Financeira, com o economista, professor Cesar Bergo, com temas a seguir:<\/p>\n<ul>\n\t<li>or\u00e7amento pessoal e planejamento financeiro<\/li>\n\t<li>h\u00e1bito de poupan\u00e7a e investimentos<\/li>\n\t<li>como negociar d\u00edvidas e uso consciente do cr\u00e9dito<\/li>\n<\/ul>\n<p>Aberto aos associados e ao p\u00fablico em geral, a s\u00e9rie traz dicas e reflex\u00f5es sobre como construir o h\u00e1bito de poupar, como escolher os investimentos mais coerentes com as necessidades de cada um, entre outros assuntos ligados aos conte\u00fados.<\/p>\n<p>Juntos construiremos um futuro financeiro ainda mais s\u00f3lido e pr\u00f3spero.<\/p>\n<p><span style=\"background-color: var(--bs-body-bg); font-size: var(--bs-body-font-size); font-weight: var(--bs-body-font-weight); text-align: var(--bs-body-text-align);\"><div class=\"accordion\" id=\"accordionPanelsStayOpenExample\">\n    <div class=\"row\"><div class=\"col-lg-4  mh-25\" >\t\t\t\n            <div id=\"collapse39687\" class=\"accordion-collapse collapse show\" aria-labelledby=\"heading39687\" data-bs-parent=\"#accordionExample\">\n                <div class=\"accordion-body\">\n                <div class=\"row\">\r\n<div class=\"col-lg-12\">\r\n<div class=\"pad15\">\r\n<div class=\"ratio ratio-16x9\"><iframe src=\"https:\/\/www.youtube.com\/embed\/J2Rm7Wsn2A8?si=dhPjjYllxFOwutCe\" title=\"YouTube video\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div><p>1\u00ba Epis\u00f3dio da S\u00e9rie Educa\u00e7\u00e3o Financeira: LIVE \u201cOr\u00e7amento Pessoal e Planejamento Financeiro\u201d (Cesar Bergo)<\/p>\n                <\/div>\n            <\/div>\n        <\/div><div class=\"col-lg-4  mh-25\" >\t\t\t\n            <div id=\"collapse39689\" class=\"accordion-collapse collapse show\" aria-labelledby=\"heading39689\" data-bs-parent=\"#accordionExample\">\n                <div class=\"accordion-body\">\n                <div class=\"row\">\r\n<div class=\"col-lg-12\">\r\n<div class=\"pad15\">\r\n<div class=\"ratio ratio-16x9 border borde-0\"><iframe src=\"https:\/\/www.youtube.com\/embed\/1zwGNbfvSSw\" title=\"YouTube video\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div><p>2\u00ba Epis\u00f3dio da S\u00e9rie Educa\u00e7\u00e3o Financeira: Live &#8220;H\u00e1bitos de poupan\u00e7a e investimentos&#8221; (Cesar Bergo)<\/p>\n                <\/div>\n            <\/div>\n        <\/div><div class=\"col-lg-4  mh-25\" >\t\t\t\n            <div id=\"collapse40665\" class=\"accordion-collapse collapse show\" aria-labelledby=\"heading40665\" data-bs-parent=\"#accordionExample\">\n                <div class=\"accordion-body\">\n                <div class=\"row\">\r\n<div class=\"col-lg-12\">\r\n<div class=\"pad15\">\r\n<div class=\"ratio ratio-16x9 border borde-0\"><iframe src=\"https:\/\/www.youtube.com\/embed\/Isg5ssRxXdI?si=EIWohOYwi-j0LPq8\" title=\"YouTube video\" allowfullscreen=\"allowfullscreen\"><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\">\ufeff<\/span><\/iframe><\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div><p>3\u00ba Epis\u00f3dio da S\u00e9rie Educa\u00e7\u00e3o Financeira: &#8220;Consumo planejado &#8211; Uso consciente do cr\u00e9dito e negocia\u00e7\u00e3o de d\u00edvidas&#8221; (Cesar Bergo)<\/p>\n                <\/div>\n            <\/div>\n        <\/div><div class=\"col-lg-4  mh-25\" >\t\t\t\n            <div id=\"collapse40731\" class=\"accordion-collapse collapse show\" aria-labelledby=\"heading40731\" data-bs-parent=\"#accordionExample\">\n                <div class=\"accordion-body\">\n                <div class=\"row\">\r\n<div class=\"col-lg-12\">\r\n<div class=\"pad15\">\r\n<div class=\"ratio ratio-16x9 border borde-0\"><iframe src=\"https:\/\/www.youtube.com\/embed\/nSJw2uxiXAQ\" title=\"YouTube video\" allowfullscreen=\"allowfullscreen\"><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\">\ufeff<\/span><\/iframe><\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div><p>4\u00ba Epis\u00f3dio da S\u00e9rie Educa\u00e7\u00e3o Financeira &#8211; &#8220;O or\u00e7amento pessoal e o Imposto de Renda.&#8221;  (Cesar Bergo)<\/p>\n                <\/div>\n            <\/div>\n        <\/div><div class=\"col-lg-4  mh-25\" >\t\t\t\n            <div id=\"collapse42261\" class=\"accordion-collapse collapse show\" aria-labelledby=\"heading42261\" data-bs-parent=\"#accordionExample\">\n                <div class=\"accordion-body\">\n                <div class=\"row\">\r\n<div class=\"col-lg-12\">\r\n<div class=\"pad15\">\r\n<div class=\"ratio ratio-16x9 border borde-0\"><iframe src=\"https:\/\/www.youtube.com\/embed\/jy-hTvs_I_o?si=-5rQSeBPKSk0Dolz\" title=\"YouTube video\" allowfullscreen=\"allowfullscreen\"><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\">\ufeff<\/span><\/iframe><\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div><p>5\u00ba epis\u00f3dio da S\u00e9rie Educa\u00e7\u00e3o Financeira &#8211; &#8220;Metas Financeiras: a diferen\u00e7a entre poupar e investir&#8221;  (Cesar Bergo)<\/p>\n                <\/div>\n            <\/div>\n        <\/div><div class=\"col-lg-4  mh-25\" >\t\t\t\n            <div id=\"collapse42803\" class=\"accordion-collapse collapse show\" aria-labelledby=\"heading42803\" data-bs-parent=\"#accordionExample\">\n                <div class=\"accordion-body\">\n                <div class=\"row\">\r\n<div class=\"col-lg-12\">\r\n<div class=\"pad15\">\r\n<div class=\"ratio ratio-16x9 border borde-0\"><iframe src=\"https:\/\/www.youtube.com\/embed\/x_4Pz3qaaDk?si=-5rQSeBPKSk0Dolz\" title=\"YouTube video\" allowfullscreen=\"allowfullscreen\"><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\">\ufeff<\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\">\ufeff<\/span><\/iframe><\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div><p>6\u00ba epis\u00f3dio da s\u00e9rie Educa\u00e7\u00e3o Financeira &#8211; &#8220;Planejamento Financeiro: Entendendo a Selic: e Como Fazer o Cr\u00e9dito Trabalhar ao Seu Favor&#8221;  (Cesar Bergo)<\/p>\n                <\/div>\n            <\/div>\n        <\/div><\/div><\/div><\/span><\/p>\n<h1 class=\"pt-4\">Nossa Rela\u00e7\u00e3o com o Dinheiro<\/h1>\n<p>A COOPERFORTE e o Instituto Cooperforte, em comemora\u00e7\u00e3o \u00e0 8\u00aa Semana Nacional de Educa\u00e7\u00e3o Financeira (Semana ENEF), lan\u00e7aram a s\u00e9rie de v\u00eddeos \u201cNossa rela\u00e7\u00e3o com o dinheiro\u201d, composta por seis temas.<\/p>\n<p class=\"pb-3\">Assista gratuitamente abaixo:<\/p>\n<p><span style=\"background-color: var(--bs-body-bg); font-size: var(--bs-body-font-size); font-weight: var(--bs-body-font-weight); text-align: var(--bs-body-text-align);\"><div class=\"accordion\" id=\"accordionPanelsStayOpenExample\">\n    <div class=\"row\"><div class=\"col-lg-4  mh-25\" >\t\t\t\n            <div id=\"collapse16159\" class=\"accordion-collapse collapse show\" aria-labelledby=\"heading16159\" data-bs-parent=\"#accordionExample\">\n                <div class=\"accordion-body\">\n                <div class=\"row\">\r\n<div class=\"col-lg-12\">\r\n<div class=\"pad15\">\r\n<div class=\"ratio ratio-16x9\"><iframe title=\"YouTube video\" src=\"https:\/\/www.youtube.com\/embed\/0BwSklYQDCQ\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div><p>Epis\u00f3dio 1 &#8211; Comportamento quando o assunto s\u00e3o suas finan\u00e7as<\/p>\n                <\/div>\n            <\/div>\n        <\/div><div class=\"col-lg-4  mh-25\" >\t\t\t\n            <div id=\"collapse16160\" class=\"accordion-collapse collapse show\" aria-labelledby=\"heading16160\" data-bs-parent=\"#accordionExample\">\n                <div class=\"accordion-body\">\n                <div class=\"row\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-lg-12\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"pad15\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"ratio ratio-16x9\">\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<iframe src=\"https:\/\/www.youtube.com\/embed\/dE8If_NkzKY\" title=\"YouTube video\" allowfullscreen><\/iframe>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div><p>Epis\u00f3dio 2 &#8211; Or\u00e7amento e Planejamento<\/p>\n                <\/div>\n            <\/div>\n        <\/div><div class=\"col-lg-4  mh-25\" >\t\t\t\n            <div id=\"collapse16161\" class=\"accordion-collapse collapse show\" aria-labelledby=\"heading16161\" data-bs-parent=\"#accordionExample\">\n                <div class=\"accordion-body\">\n                <div class=\"row\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-lg-12\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"pad15\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"ratio ratio-16x9\">\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<iframe src=\"https:\/\/www.youtube.com\/embed\/-HtAuEl4gGY\" title=\"YouTube video\" allowfullscreen><\/iframe>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div><p>Epis\u00f3dio 3 &#8211; Poupan\u00e7a<\/p>\n                <\/div>\n            <\/div>\n        <\/div><div class=\"col-lg-4  mh-25\" >\t\t\t\n            <div id=\"collapse16162\" class=\"accordion-collapse collapse show\" aria-labelledby=\"heading16162\" data-bs-parent=\"#accordionExample\">\n                <div class=\"accordion-body\">\n                <div class=\"row\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-lg-12\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"pad15\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"ratio ratio-16x9\">\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<iframe src=\"https:\/\/www.youtube.com\/embed\/VwTsRwr0jhY\" title=\"YouTube video\" allowfullscreen><\/iframe>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div><p>Epis\u00f3dio 4 &#8211; Investimentos<\/p>\n                <\/div>\n            <\/div>\n        <\/div><div class=\"col-lg-4  mh-25\" >\t\t\t\n            <div id=\"collapse16163\" class=\"accordion-collapse collapse show\" aria-labelledby=\"heading16163\" data-bs-parent=\"#accordionExample\">\n                <div class=\"accordion-body\">\n                <div class=\"row\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-lg-12\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"pad15\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"ratio ratio-16x9\">\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<iframe src=\"https:\/\/www.youtube.com\/embed\/WSapte6R8RY\" title=\"YouTube video\" allowfullscreen><\/iframe>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div><p>Epis\u00f3dio 5 &#8211; Consumo Consciente e Consumismo<\/p>\n                <\/div>\n            <\/div>\n        <\/div><div class=\"col-lg-4  mh-25\" >\t\t\t\n            <div id=\"collapse16164\" class=\"accordion-collapse collapse show\" aria-labelledby=\"heading16164\" data-bs-parent=\"#accordionExample\">\n                <div class=\"accordion-body\">\n                <div class=\"row\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-lg-12\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"pad15\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"ratio ratio-16x9\">\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<iframe src=\"https:\/\/www.youtube.com\/embed\/tXsguZXZAGQ\" title=\"YouTube video\" allowfullscreen><\/iframe>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div><p>Epis\u00f3dio 6 &#8211; Cr\u00e9dito e Endividamento<\/p>\n                <\/div>\n            <\/div>\n        <\/div><\/div><\/div><br \/>\n<br \/>\n<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<p><!-- \/Bloco 1 --><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Saber como gerenciar seu dinheiro, ou seja, controlar gastos, poupar, investir e conhecer seu perfil financeiro s\u00e3o fatores importantes para ter sa\u00fade e independ\u00eancia financeira. Segundo a Estrat\u00e9gia Nacional de Educa\u00e7\u00e3o Financeira (ENEF), \u201ceduca\u00e7\u00e3o financeira \u00e9 o processo no qual os indiv\u00edduos melhoram sua compreens\u00e3o em rela\u00e7\u00e3o ao dinheiro e produtos financeiros com informa\u00e7\u00e3o, forma\u00e7\u00e3o [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":2288,"menu_order":1,"comment_status":"closed","ping_status":"closed","template":"page-templates\/page-padrao.php","meta":{"footnotes":""},"taxonomia":[88],"class_list":["post-15157","page","type-page","status-publish","hentry","taxonomia-cooperativismo"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.7 (Yoast SEO v26.7) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Educa\u00e7\u00e3o Financeira - Cooperforte<\/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:\/\/www.cf.coop.br\/cooperativismo\/educacao-financeira\/\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Educa\u00e7\u00e3o Financeira\" \/>\n<meta property=\"og:description\" content=\"Saber como gerenciar seu dinheiro, ou seja, controlar gastos, poupar, investir e conhecer seu perfil financeiro s\u00e3o fatores importantes para ter sa\u00fade e independ\u00eancia financeira. 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