{"id":268,"date":"2022-12-02T14:50:24","date_gmt":"2022-12-02T14:50:24","guid":{"rendered":"https:\/\/loures.dsicredito.pt\/?p=268"},"modified":"2024-11-04T18:38:50","modified_gmt":"2024-11-04T18:38:50","slug":"dezembro-o-momento-de-rever-e-planear-2023","status":"publish","type":"post","link":"https:\/\/dsicreditoloures.pt\/en\/dezembro-o-momento-de-rever-e-planear-2023\/","title":{"rendered":"December, the moment to review and plan 2025!"},"content":{"rendered":"<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped wp-block-gallery-1 is-layout-flex wp-block-gallery-is-layout-flex\"><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Planning is the key word, and nowadays, we must increasingly plan, organize, and budget our daily expenses, as well as any extras that may arise<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It\u2019s also important to set goals because life shouldn\u2019t be just about paying bills.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We all have something we would like to do or buy, but often we don\u2019t because we lack the financial capacity to do so, or because we think something unexpected might happen and we need to always have some \"money in reserve.\"<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Our parents and grandparents passed down some beliefs, among them, \"we don't know what tomorrow will bring,\" so we either go to extremes: we either don\u2019t spend at all or we spend everything.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Balance and Organization!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Lets start by doing a Check-Up to your finances in 4 steps:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Review all the fixed expenses you currently have:<\/li>\n<\/ol>\n\n\n\n<figure class=\"wp-block-image aligncenter\"><img decoding=\"async\" src=\"https:\/\/loures.dsicredito.pt\/wp-content\/uploads\/2022\/12\/Imagem3-1.png\" alt=\"\" class=\"wp-image-271\"\/><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Review all the atual active credits:<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full\"><img decoding=\"async\" src=\"https:\/\/loures.dsicredito.pt\/wp-content\/uploads\/2022\/12\/Imagem4.png\" alt=\"\" class=\"wp-image-270\"\/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">In the case of a mortgage, you can and should consult your bank to request a review of the terms of your contract in order to reduce your monthly payment. You should also inquire about the possibility of consolidating all your loans into ONE, further reducing your monthly expenses.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">At the same time, you can and should consult a Credit Intermediary, who can do this work for you by approaching various banks to find the option that best suits your case. This service comes at no cost to you, contrary to what you might think.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Review all active Insurances:<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Besides car insurance, life insurance, multi-risk insurance, and health insurance, many people also have coverage linked to their credit cards. The more insurance policies we have, the greater the chance we are paying for overlapping coverage. On top of that, the monthly cost can become quite high, and often, we don\u2019t even make use of these coverages. Therefore, it\u2019s worth exploring the different options available in the market that offer more competitive prices while maintaining the same or better coverage. Stay informed!<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>With the assessment done, we move on to the final phase:<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">We have compiled a file with all expenses, monthly earnings, and the designated amount to reach the goal.<\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full\"><img decoding=\"async\" src=\"https:\/\/loures.dsicredito.pt\/wp-content\/uploads\/2022\/12\/Imagem2.png\" alt=\"\" class=\"wp-image-272\"\/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Adhere strictly to your plan. You don\u2019t need to spend the extra funds, and consider whether it\u2019s worthwhile to set up a retirement savings plan (PPR) or invest in low-risk financial products or ones with guaranteed capital.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It may not generate high returns, but it\u2019s a way to avoid keeping your money idle in the bank and earn a small return on that capital.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The success of your financial health depends on you!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Also read our article,\u00a0<a href=\"https:\/\/lvlconsulting.pt\/poupar-rima-com-economizar-e-nos-vamos-ajudar\/\" data-type=\"post\" data-id=\"2856\">Saving rhymes with economizing!<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>Planear \u00e9 a palavra de ordem e nos dias que correm, cada vez mais devemos planificar, organizar e or\u00e7amentar as despesas do dia a dia e eventuais extras que possam surgir. \u00c9 tamb\u00e9m importante tra\u00e7ar objetivos, porque a vida, n\u00e3o pode ser s\u00f3 pagar contas. Todos temos algo que gostar\u00edamos de fazer, comprar e muitas [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":7717,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[74],"tags":[75,76,77,78],"class_list":["post-268","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credito","tag-credito","tag-credito-habitacao","tag-seguro-de-vida","tag-spread"],"blocksy_meta":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Dezembro, o momento de rever e planear 2023! - DS INTERMEDI\u00c1RIOS DE CR\u00c9DITO LOURES<\/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:\/\/dsicreditoloures.pt\/en\/dezembro-o-momento-de-rever-e-planear-2023\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Dezembro, o momento de rever e planear 2023! - DS INTERMEDI\u00c1RIOS DE CR\u00c9DITO LOURES\" \/>\n<meta property=\"og:description\" content=\"Planear \u00e9 a palavra de ordem e nos dias que correm, cada vez mais devemos planificar, organizar e or\u00e7amentar as despesas do dia a dia e eventuais extras que possam surgir. \u00c9 tamb\u00e9m importante tra\u00e7ar objetivos, porque a vida, n\u00e3o pode ser s\u00f3 pagar contas. 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Todos temos algo que gostar\u00edamos de fazer, comprar e muitas [&hellip;]","og_url":"https:\/\/dsicreditoloures.pt\/en\/dezembro-o-momento-de-rever-e-planear-2023\/","og_site_name":"DS INTERMEDI\u00c1RIOS DE CR\u00c9DITO LOURES","article_publisher":"https:\/\/www.facebook.com\/DSICLOURES\/","article_published_time":"2022-12-02T14:50:24+00:00","article_modified_time":"2024-11-04T18:38:50+00:00","og_image":[{"width":300,"height":359,"url":"https:\/\/dsicreditoloures.pt\/wp-content\/uploads\/2022\/12\/disruptivo-pdejnCbAyxU-unsplash.jpg","type":"image\/jpeg"}],"author":"DSI Loures","twitter_card":"summary_large_image","twitter_misc":{"Written by":"DSI Loures","Estimated reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/dsicreditoloures.pt\/dezembro-o-momento-de-rever-e-planear-2023\/#article","isPartOf":{"@id":"https:\/\/dsicreditoloures.pt\/dezembro-o-momento-de-rever-e-planear-2023\/"},"author":{"name":"DSI Loures","@id":"https:\/\/dsicreditoloures.pt\/#\/schema\/person\/6430b703fd2314f6f30def72ca19778b"},"headline":"Dezembro, o momento de rever e planear 2023!","datePublished":"2022-12-02T14:50:24+00:00","dateModified":"2024-11-04T18:38:50+00:00","mainEntityOfPage":{"@id":"https:\/\/dsicreditoloures.pt\/dezembro-o-momento-de-rever-e-planear-2023\/"},"wordCount":480,"commentCount":0,"publisher":{"@id":"https:\/\/dsicreditoloures.pt\/#organization"},"image":{"@id":"https:\/\/dsicreditoloures.pt\/dezembro-o-momento-de-rever-e-planear-2023\/#primaryimage"},"thumbnailUrl":"https:\/\/dsicreditoloures.pt\/wp-content\/uploads\/2022\/12\/disruptivo-pdejnCbAyxU-unsplash.jpg","keywords":["credito","cr\u00e9dito habita\u00e7\u00e3o","seguro de vida","spread"],"articleSection":["Cr\u00e9dito"],"inLanguage":"en-GB"},{"@type":"WebPage","@id":"https:\/\/dsicreditoloures.pt\/dezembro-o-momento-de-rever-e-planear-2023\/","url":"https:\/\/dsicreditoloures.pt\/dezembro-o-momento-de-rever-e-planear-2023\/","name":"Dezembro, o momento de rever e planear 2023! 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