PK M]_rels/PK M] docProps/PK M]ppt/PK M] ppt/_rels/PK M] ppt/charts/PK M]ppt/charts/_rels/PK M]ppt/embeddings/PK M] ppt/media/PK M]ppt/slideLayouts/PK M]ppt/slideLayouts/_rels/PK M]ppt/slideMasters/PK M]ppt/slideMasters/_rels/PK M] ppt/slides/PK M]ppt/slides/_rels/PK M] ppt/theme/PK M]ppt/notesMasters/PK M]ppt/notesMasters/_rels/PK M]ppt/notesSlides/PK M]ppt/notesSlides/_rels/PK M]0ÕKK[Content_Types].xml PK M]]] _rels/.rels PK M]*' docProps/app.xml 0 0 Microsoft Office PowerPoint On-screen Show (16:9) 0 40 40 0 0 false Fonts Used 2 Theme 1 Slide Titles 40 Arial Calibri Office Theme Slide 1Slide 2Slide 3Slide 4Slide 5Slide 6Slide 7Slide 8Slide 9Slide 10Slide 11Slide 12Slide 13Slide 14Slide 15Slide 16Slide 17Slide 18Slide 19Slide 20Slide 21Slide 22Slide 23Slide 24Slide 25Slide 26Slide 27Slide 28Slide 29Slide 30Slide 31Slide 32Slide 33Slide 34Slide 35Slide 36Slide 37Slide 38Slide 39Slide 40 PptxGenJS false false false 16.0000 PK M]JO&docProps/core.xml Módulo 2 – Respostas PptxGenJS Presentation PptxGenJS PptxGenJS 1 2026-10-13T21:37:46Z 2026-10-13T21:37:46Z PK M]sjppt/_rels/presentation.xml.rels PK M]hfË ppt/theme/theme1.xmlPK M]06ppt/presentation.xml PK M]Xppt/presProps.xml PK M]ppt/tableStyles.xml PK M]D >00ppt/viewProps.xml PK M]H7t!ppt/slideLayouts/slideLayout1.xml PK M]ђ77,ppt/slideLayouts/_rels/slideLayout1.xml.rels PK M](!ppt/slideLayouts/slideLayout2.xml FIRE · Financial Resilience · Módulo 2: Construir a independência financeiraFinanciado pela União Europeia. Os pontos de vista e as opiniões expressos são, no entanto, apenas os do(s) autor(es) e não refletem necessariamente os da União Europeia ou da Agência Nacional Erasmus+ INDIRE (Itália). Nem a União Europeia nem a entidade que concede o financiamento podem ser responsabilizadas por eles. PK M]O QQ,ppt/slideLayouts/_rels/slideLayout2.xml.rels PK M]ބ)u u !ppt/slideLayouts/slideLayout3.xml Financiado pela União Europeia. Os pontos de vista e as opiniões expressos são, no entanto, apenas os do(s) autor(es) e não refletem necessariamente os da União Europeia ou da Agência Nacional Erasmus+ INDIRE (Itália). Nem a União Europeia nem a entidade que concede o financiamento podem ser responsabilizadas por eles. Projeto 2025-1-IT02-KA210-ADU-000354693 PK M]QQ,ppt/slideLayouts/_rels/slideLayout3.xml.rels PK M]!r'ppt/slides/slide1.xml QUESTIONÁRIOVerifique o que aprendeu: L2.1As bases da literacia financeira5 perguntas · escolha múltipla · 70% para passar · tentativas ilimitadasPK M]S ppt/slides/_rels/slide1.xml.rels PK M].ppt/notesSlides/notesSlide1.xml 1PK M]:A*ppt/notesSlides/_rels/notesSlide1.xml.rels PK M]644ppt/slides/slide2.xml PERGUNTA 1 DE 5De que depende mais a independência financeira? ADe ganhar um salário alto BDo acesso ao seu dinheiro e do controlo sobre ele CDe ter um companheiro rico DDe ter casa própriaPK M] ppt/slides/_rels/slide2.xml.rels PK M]2B))ppt/notesSlides/notesSlide2.xml Resposta: B — Do acesso ao seu dinheiro e do controlo sobre ele. A independência tem a ver com acesso, conhecimento e controlo, e não com quanto tem.2PK M]xշ*ppt/notesSlides/_rels/notesSlide2.xml.rels PK M]%_]4]4ppt/slides/slide3.xml PERGUNTA 2 DE 5O seu património líquido é… AO seu salário mensal BSó as suas poupanças CO que tem menos o que deve DO que gasta por mêsPK M]  ppt/slides/_rels/slide3.xml.rels PK M]#dQP!!ppt/notesSlides/notesSlide3.xml Resposta: C — O que tem menos o que deve. Património líquido é bens menos dívidas. Pode ficar abaixo de zero, e isso é informação útil.3PK M]9 Y*ppt/notesSlides/_rels/notesSlide3.xml.rels PK M]{^44ppt/slides/slide4.xml PERGUNTA 3 DE 5Qual é a base mais importante da independência financeira? AUm cartão de crédito BUma conta conjunta com o companheiro CUm orçamento para compras DUma conta bancária só em seu nomePK M]ի< ppt/slides/_rels/slide4.xml.rels PK M]>9 ppt/notesSlides/notesSlide4.xml Resposta: D — Uma conta bancária só em seu nome. Uma conta que só a senhora vê e gere mantém o dinheiro sob o seu controlo.4PK M]J *ppt/notesSlides/_rels/notesSlide4.xml.rels PK M]r.~4~4ppt/slides/slide5.xml PERGUNTA 4 DE 5Na ordem saudável do dinheiro, o que vem logo depois de cobrir o essencial? APagar-se a si, para a poupança BComer fora CComprar presentes DNada: gastar o restoPK M]΄ ppt/slides/_rels/slide5.xml.rels PK M]j ppt/notesSlides/notesSlide5.xml Resposta: A — Pagar-se a si, para a poupança. Ponha um pouco de lado antes de gastar, como uma conta que paga a si própria.5PK M]Qe*ppt/notesSlides/_rels/notesSlide5.xml.rels PK M]n44ppt/slides/slide6.xml PERGUNTA 5 DE 5Porque é importante não partilhar o PIN ou os dados de acesso sob pressão? ANão é importante BQuem controla o acesso controla o dinheiro CO banco cobra uma taxa por isso DTorna a poupança mais fácilPK M]g ppt/slides/_rels/slide6.xml.rels PK M]W/  ppt/notesSlides/notesSlide6.xml Resposta: B — Quem controla o acesso controla o dinheiro. Se outra pessoa controla o seu acesso, controla o seu dinheiro.6PK M]=|*ppt/notesSlides/_rels/notesSlide6.xml.rels PK M]n~~ppt/slides/slide7.xml Respostas — L2.1 # Resposta Porquê 1 B — Do acesso ao seu dinheiro e do controlo sobre ele A independência tem a ver com acesso, conhecimento e controlo, e não com quanto tem. 2 C — O que tem menos o que deve Património líquido é bens menos dívidas. Pode ficar abaixo de zero, e isso é informação útil. 3 D — Uma conta bancária só em seu nome Uma conta que só a senhora vê e gere mantém o dinheiro sob o seu controlo. 4 A — Pagar-se a si, para a poupança Ponha um pouco de lado antes de gastar, como uma conta que paga a si própria. 5 B — Quem controla o acesso controla o dinheiro Se outra pessoa controla o seu acesso, controla o seu dinheiro. PK M]d ppt/slides/_rels/slide7.xml.rels PK M])lppt/notesSlides/notesSlide7.xml 7PK M]|g*ppt/notesSlides/_rels/notesSlide7.xml.rels PK M]5Xppt/slides/slide8.xml QUESTIONÁRIOVerifique o que aprendeu: L2.2Orçamento e gestão do dinheiro5 perguntas · escolha múltipla · 70% para passar · tentativas ilimitadasPK M]Oř ppt/slides/_rels/slide8.xml.rels PK M]iސppt/notesSlides/notesSlide8.xml 8PK M]pO*ppt/notesSlides/_rels/notesSlide8.xml.rels PK M]XD4D4ppt/slides/slide9.xml PERGUNTA 1 DE 5Na regra 50/30/20, para que servem os 20%? ARenda BComer fora CPoupança ou pagamento de dívidas DRoupaPK M]l ppt/slides/_rels/slide9.xml.rels PK M]m=""ppt/notesSlides/notesSlide9.xml Resposta: C — Poupança ou pagamento de dívidas. Os 20% vão para a poupança ou para pagar dívidas; 50% para necessidades e 30% para desejos.9PK M]1*ppt/notesSlides/_rels/notesSlide9.xml.rels PK M]N4N4ppt/slides/slide10.xml PERGUNTA 2 DE 5Com um rendimento líquido de 1500 €, quanto são os 50% para necessidades? A500 € B750 € C900 € D300 €PK M]T!ppt/slides/_rels/slide10.xml.rels PK M]I_ ppt/notesSlides/notesSlide10.xml Resposta: B — 750 €. Metade de 1500 € são 750 €.10PK M]T+ppt/notesSlides/_rels/notesSlide10.xml.rels PK M]^44ppt/slides/slide11.xml PERGUNTA 3 DE 5O que é um orçamento base zero? AUm orçamento sem poupança BDar uma função a cada euro até nada ficar sem plano CNão gastar nada durante um mês DUm orçamento só para dívidasPK M]'d!ppt/slides/_rels/slide11.xml.rels PK M]3c## ppt/notesSlides/notesSlide11.xml Resposta: B — Dar uma função a cada euro até nada ficar sem plano. Num orçamento base zero, todo o rendimento é atribuído a uma categoria.11PK M]O+ppt/notesSlides/_rels/notesSlide11.xml.rels PK M]8~4~4ppt/slides/slide12.xml PERGUNTA 4 DE 5Qual é a melhor primeira meta para um fundo de emergência? ADoze meses de salário BAlgumas centenas de euros CNada, até ganhar mais DO que sobrar em dezembroPK M]ͥ!ppt/slides/_rels/slide12.xml.rels PK M][Կ## ppt/notesSlides/notesSlide12.xml Resposta: B — Algumas centenas de euros. Comece com uma pequena reserva de algumas centenas de euros e avance para três a seis meses de custos.12PK M]Fb+ppt/notesSlides/_rels/notesSlide12.xml.rels PK M]'z4z4ppt/slides/slide13.xml PERGUNTA 5 DE 5Que hábito constrói o seu dinheiro? APagar só o mínimo da dívida BIgnorar o saldo CVer as contas uma vez por semana DPedir emprestado para pagar a rendaPK M]( !ppt/slides/_rels/slide13.xml.rels PK M] ppt/notesSlides/notesSlide13.xml Resposta: C — Ver as contas uma vez por semana. Uma verificação semanal mantém-na informada e no controlo.13PK M]yv+ppt/notesSlides/_rels/notesSlide13.xml.rels PK M];yay~y~ppt/slides/slide14.xml Respostas — L2.2 # Resposta Porquê 1 C — Poupança ou pagamento de dívidas Os 20% vão para a poupança ou para pagar dívidas; 50% para necessidades e 30% para desejos. 2 B — 750 € Metade de 1500 € são 750 €. 3 B — Dar uma função a cada euro até nada ficar sem plano Num orçamento base zero, todo o rendimento é atribuído a uma categoria. 4 B — Algumas centenas de euros Comece com uma pequena reserva de algumas centenas de euros e avance para três a seis meses de custos. 5 C — Ver as contas uma vez por semana Uma verificação semanal mantém-na informada e no controlo. PK M]_=!ppt/slides/_rels/slide14.xml.rels PK M]0 ppt/notesSlides/notesSlide14.xml 14PK M]?ݤ+ppt/notesSlides/_rels/notesSlide14.xml.rels PK M]Ukppt/slides/slide15.xml QUESTIONÁRIOVerifique o que aprendeu: L2.3Gerar rendimentos e desenvolver competências5 perguntas · escolha múltipla · 70% para passar · tentativas ilimitadasPK M]%J!ppt/slides/_rels/slide15.xml.rels PK M]Qz ppt/notesSlides/notesSlide15.xml 15PK M]$Q+ppt/notesSlides/_rels/notesSlide15.xml.rels PK M]4dn4n4ppt/slides/slide16.xml PERGUNTA 1 DE 5Que caminho costuma dar baixa por doença, férias e aviso prévio? ATrabalhos pontuais BUm emprego com contrato CTrabalho sazonal DUm passatempoPK M]PS!ppt/slides/_rels/slide16.xml.rels PK M] ppt/notesSlides/notesSlide16.xml Resposta: B — Um emprego com contrato. Um emprego com contrato dá um salário certo e proteção legal.16PK M] y+ppt/notesSlides/_rels/notesSlide16.xml.rels PK M]S0744ppt/slides/slide17.xml PERGUNTA 2 DE 5Porque passam muitas vezes despercebidas as competências do trabalho não pago? ANão são competências reais BNinguém pagou por elas COs empregadores não precisam delas DNão se podem aprenderPK M]w6e!ppt/slides/_rels/slide17.xml.rels PK M] ppt/notesSlides/notesSlide17.xml Resposta: B — Ninguém pagou por elas. São competências reais. Só passam despercebidas porque não foram pagas.17PK M]BI+ppt/notesSlides/_rels/notesSlide17.xml.rels PK M]n7q4q4ppt/slides/slide18.xml PERGUNTA 3 DE 5Pedir os apoios a que tem direito é… AMotivo de vergonha BSó para quem não tem emprego CUma parte justa dos seus rendimentos DNunca vale a penaPK M]=!ppt/slides/_rels/slide18.xml.rels PK M] 0!! ppt/notesSlides/notesSlide18.xml Resposta: C — Uma parte justa dos seus rendimentos. Os subsídios e apoios a que tem direito são uma parte real e justa dos seus rendimentos.18PK M]N+ppt/notesSlides/_rels/notesSlide18.xml.rels PK M]@'Dl4l4ppt/slides/slide19.xml PERGUNTA 4 DE 5Qual é o primeiro passo para encontrar formação? ACertificar BFinanciar CAvaliar que competência abre a porta que quer DPagar um curso caroPK M]X!ppt/slides/_rels/slide19.xml.rels PK M]~77 ppt/notesSlides/notesSlide19.xml Resposta: C — Avaliar que competência abre a porta que quer. Primeiro, escolha a competência ou a qualificação que quer; depois, procure, financie e certifique.19PK M]i+ppt/notesSlides/_rels/notesSlide19.xml.rels PK M]som4m4ppt/slides/slide20.xml PERGUNTA 5 DE 5O que permitiu à Sofia frequentar o curso? AUm empréstimo do companheiro BApoio para cuidar dos filhos CDeixar o emprego DPagar propinas altasPK M]Ssa!ppt/slides/_rels/slide20.xml.rels PK M]^: ppt/notesSlides/notesSlide20.xml Resposta: B — Apoio para cuidar dos filhos. A formação financiada, com apoio para cuidar dos filhos, tirou as barreiras práticas.20PK M]SB+ppt/notesSlides/_rels/notesSlide20.xml.rels PK M] P~~ppt/slides/slide21.xml Respostas — L2.3 # Resposta Porquê 1 B — Um emprego com contrato Um emprego com contrato dá um salário certo e proteção legal. 2 B — Ninguém pagou por elas São competências reais. Só passam despercebidas porque não foram pagas. 3 C — Uma parte justa dos seus rendimentos Os subsídios e apoios a que tem direito são uma parte real e justa dos seus rendimentos. 4 C — Avaliar que competência abre a porta que quer Primeiro, escolha a competência ou a qualificação que quer; depois, procure, financie e certifique. 5 B — Apoio para cuidar dos filhos A formação financiada, com apoio para cuidar dos filhos, tirou as barreiras práticas. PK M]tV!ppt/slides/_rels/slide21.xml.rels PK M]89| ppt/notesSlides/notesSlide21.xml 21PK M]HΩ+ppt/notesSlides/_rels/notesSlide21.xml.rels PK M]FAmppt/slides/slide22.xml QUESTIONÁRIOVerifique o que aprendeu: L2.4Definir objetivos e segurança a longo prazo5 perguntas · escolha múltipla · 70% para passar · tentativas ilimitadasPK M]S!ppt/slides/_rels/slide22.xml.rels PK M]cQc ppt/notesSlides/notesSlide22.xml 22PK M]aeZ+ppt/notesSlides/_rels/notesSlide22.xml.rels PK M]+44ppt/slides/slide23.xml PERGUNTA 1 DE 5O que significa o T de SMART? ATranquilo BTemporal CTotal DTestadoPK M]{m9!ppt/slides/_rels/slide23.xml.rels PK M].̑ ppt/notesSlides/notesSlide23.xml Resposta: B — Temporal. Temporal: um prazo dá foco e permite planear a partir da data final.23PK M] ~t+ppt/notesSlides/_rels/notesSlide23.xml.rels PK M]\44ppt/slides/slide24.xml PERGUNTA 2 DE 5Que objetivo é SMART? APoupar mais dinheiro BGerir melhor o dinheiro CPoupar 25 € por mês durante 12 meses para uma caução de 300 € DNunca gastar em mimosPK M] )u!ppt/slides/_rels/slide24.xml.rels PK M].]$$ ppt/notesSlides/notesSlide24.xml Resposta: C — Poupar 25 € por mês durante 12 meses para uma caução de 300 €. É específico, mensurável, realista, relevante e tem prazo.24PK M]8+ppt/notesSlides/_rels/notesSlide24.xml.rels PK M]+Co4o4ppt/slides/slide25.xml PERGUNTA 3 DE 5Se falhar um mês, o que deve mudar? ADesistir do objetivo BO plano, não o objetivo CNada, basta deixar de rever DPedir emprestado para recuperarPK M]+LP!ppt/slides/_rels/slide25.xml.rels PK M]z\ ppt/notesSlides/notesSlide25.xml Resposta: B — O plano, não o objetivo. Reveja todos os meses e ajuste o plano. Mantenha o objetivo.25PK M]#+ppt/notesSlides/_rels/notesSlide25.xml.rels PK M]w4w4ppt/slides/slide26.xml PERGUNTA 4 DE 5Qual destes é um objetivo a longo prazo? APagar uma pequena dívida BAbrir uma conta poupança CUma pensão em seu nome DUm primeiro fundo de emergênciaPK M]N!ppt/slides/_rels/slide26.xml.rels PK M]J ppt/notesSlides/notesSlide26.xml Resposta: C — Uma pensão em seu nome. Os objetivos a longo prazo levam cinco anos ou mais, como uma pensão ou uma casa estável.26PK M]${+ppt/notesSlides/_rels/notesSlide26.xml.rels PK M]@Bp4p4ppt/slides/slide27.xml PERGUNTA 5 DE 5O que fez a Aylin primeiro com a ajuda do técnico? APediu um empréstimo BAbriu uma conta em seu nome CComprou uma casa DParou todos os pagamentosPK M]$kP!ppt/slides/_rels/slide27.xml.rels PK M]Q ppt/notesSlides/notesSlide27.xml Resposta: B — Abriu uma conta em seu nome. Uma conta em seu nome deu-lhe uma base para poupar e planear.27PK M]e+ppt/notesSlides/_rels/notesSlide27.xml.rels PK M]:a~a~ppt/slides/slide28.xml Respostas — L2.4 # Resposta Porquê 1 B — Temporal Temporal: um prazo dá foco e permite planear a partir da data final. 2 C — Poupar 25 € por mês durante 12 meses para uma caução de 300 € É específico, mensurável, realista, relevante e tem prazo. 3 B — O plano, não o objetivo Reveja todos os meses e ajuste o plano. Mantenha o objetivo. 4 C — Uma pensão em seu nome Os objetivos a longo prazo levam cinco anos ou mais, como uma pensão ou uma casa estável. 5 B — Abriu uma conta em seu nome Uma conta em seu nome deu-lhe uma base para poupar e planear. PK M]~!ppt/slides/_rels/slide28.xml.rels PK M]\ ppt/notesSlides/notesSlide28.xml 28PK M]i+ppt/notesSlides/_rels/notesSlide28.xml.rels PK M]ʚHppt/slides/slide29.xml QUESTIONÁRIOQuestionário final do Módulo 2Questionário final do Módulo 210 perguntas · escolha múltipla · 70% para passar · tentativas ilimitadasPK M]^@h!ppt/slides/_rels/slide29.xml.rels PK M]zx ppt/notesSlides/notesSlide29.xml 29PK M](Lk+ppt/notesSlides/_rels/notesSlide29.xml.rels PK M]5R44ppt/slides/slide30.xml PERGUNTA 1 DE 10A independência financeira tem sobretudo a ver com… ASer rica BAcesso, conhecimento e controlo sobre o seu dinheiro CNunca pedir emprestado DTer um salário altoPK M]]'!ppt/slides/_rels/slide30.xml.rels PK M]RL&& ppt/notesSlides/notesSlide30.xml Resposta: B — Acesso, conhecimento e controlo sobre o seu dinheiro. Tem a ver com acesso, conhecimento e controlo, mesmo com um rendimento modesto.30PK M]+ppt/notesSlides/_rels/notesSlide30.xml.rels PK M]g4g4ppt/slides/slide31.xml PERGUNTA 2 DE 10O que é o património líquido? AO seu rendimento mensal BO que tem menos o que deve CO total das suas dívidas DA sua meta de poupançaPK M]zBE!ppt/slides/_rels/slide31.xml.rels PK M]> ppt/notesSlides/notesSlide31.xml Resposta: B — O que tem menos o que deve. Património líquido é bens menos dívidas: uma fotografia da sua situação hoje.31PK M]{+ppt/notesSlides/_rels/notesSlide31.xml.rels PK M]P_s4s4ppt/slides/slide32.xml PERGUNTA 3 DE 10Porque é importante ter uma conta em seu nome? AOs bancos preferem BMantém o dinheiro sob o seu controlo CRende mais juros DÉ obrigatório por leiPK M]R!ppt/slides/_rels/slide32.xml.rels PK M]7RaO ppt/notesSlides/notesSlide32.xml Resposta: B — Mantém o dinheiro sob o seu controlo. Uma conta que só a senhora vê e gere é a base da independência financeira.32PK M]|+ppt/notesSlides/_rels/notesSlide32.xml.rels PK M]FB0404ppt/slides/slide33.xml PERGUNTA 4 DE 10Na regra 50/30/20, os 30% vão para… ANecessidades BDesejos CPoupança DDívidasPK M]u!ppt/slides/_rels/slide33.xml.rels PK M] ppt/notesSlides/notesSlide33.xml Resposta: B — Desejos. 50% necessidades, 30% desejos, 20% poupança ou pagamento de dívidas.33PK M]=cu+ppt/notesSlides/_rels/notesSlide33.xml.rels PK M]>j44ppt/slides/slide34.xml PERGUNTA 5 DE 10O que faz o método dos envelopes? ADefine um limite de gastos para cada categoria BPoupa todo o rendimento CPaga as contas por correio DElimina todos os desejosPK M]!ppt/slides/_rels/slide34.xml.rels PK M]x(( ppt/notesSlides/notesSlide34.xml Resposta: A — Define um limite de gastos para cada categoria. Cada categoria tem um limite; quando o envelope ou o cofre fica vazio, os gastos param.34PK M]Ŷ+ppt/notesSlides/_rels/notesSlide34.xml.rels PK M]P044ppt/slides/slide35.xml PERGUNTA 6 DE 10Qual é um bom tamanho, a longo prazo, para um fundo de emergência? AUma semana de custos BTrês a seis meses de custos essenciais CDois anos de salário DNão é preciso ter umPK M]%,!ppt/slides/_rels/slide35.xml.rels PK M]֥%% ppt/notesSlides/notesSlide35.xml Resposta: B — Três a seis meses de custos essenciais. Comece com algumas centenas de euros e avance para três a seis meses de custos essenciais.35PK M]:+ppt/notesSlides/_rels/notesSlide35.xml.rels PK M]44ppt/slides/slide36.xml PERGUNTA 7 DE 10Anos a cuidar de uma família podem criar… ANenhuma competência útil BPaciência, empatia e organização CSó competências de cozinha DCompetências que os empregadores ignoramPK M] ut!ppt/slides/_rels/slide36.xml.rels PK M]<|T33 ppt/notesSlides/notesSlide36.xml Resposta: B — Paciência, empatia e organização. O trabalho não pago cria competências reais, valorizadas na saúde, na educação, no comércio e não só.36PK M]9z+ppt/notesSlides/_rels/notesSlide36.xml.rels PK M]v"44ppt/slides/slide37.xml PERGUNTA 8 DE 10O que pode tirar barreiras à formação? ACursos privados caros BCursos financiados e apoio para cuidar dos filhos CEsperar que os filhos cresçam DTrabalhar mais horasPK M]*!ppt/slides/_rels/slide37.xml.rels PK M]o?:: ppt/notesSlides/notesSlide37.xml Resposta: B — Cursos financiados e apoio para cuidar dos filhos. Muita formação é gratuita ou financiada, e o apoio para cuidar dos filhos pode torná-la possível.37PK M]x"+ppt/notesSlides/_rels/notesSlide37.xml.rels PK M]a44ppt/slides/slide38.xml PERGUNTA 9 DE 10Que objetivo é SMART? APoupar mais um dia destes BPoupar 25 € por mês durante 12 meses para uma caução de 300 € CSer menos dependente DGastar menos em coisasPK M]!ppt/slides/_rels/slide38.xml.rels PK M]a(( ppt/notesSlides/notesSlide38.xml Resposta: B — Poupar 25 € por mês durante 12 meses para uma caução de 300 €. É específico, mensurável, alcançável, relevante e tem prazo.38PK M]txu+ppt/notesSlides/_rels/notesSlide38.xml.rels PK M]\44ppt/slides/slide39.xml PERGUNTA 10 DE 10A Aylin achava que era tarde demais para planear. O que diz este módulo? AEla tinha razão BNunca é tarde: passos pequenos e regulares contam CSó as pessoas jovens conseguem poupar DEla precisava da ajuda de um companheiroPK M]~З!ppt/slides/_rels/slide39.xml.rels PK M]*pol11 ppt/notesSlides/notesSlide39.xml Resposta: B — Nunca é tarde: passos pequenos e regulares contam. O mais importante é começar. Passos pequenos e regulares reduzem a diferença com o tempo.39PK M]5cj+ppt/notesSlides/_rels/notesSlide39.xml.rels PK M]T,,ppt/slides/slide40.xml Respostas — Questionário final do Módulo 2 # Resposta Porquê 1 B — Acesso, conhecimento e controlo sobre o seu dinheiro Tem a ver com acesso, conhecimento e controlo, mesmo com um rendimento modesto. 2 B — O que tem menos o que deve Património líquido é bens menos dívidas: uma fotografia da sua situação hoje. 3 B — Mantém o dinheiro sob o seu controlo Uma conta que só a senhora vê e gere é a base da independência financeira. 4 B — Desejos 50% necessidades, 30% desejos, 20% poupança ou pagamento de dívidas. 5 A — Define um limite de gastos para cada categoria Cada categoria tem um limite; quando o envelope ou o cofre fica vazio, os gastos param. 6 B — Três a seis meses de custos essenciais Comece com algumas centenas de euros e avance para três a seis meses de custos essenciais. 7 B — Paciência, empatia e organização O trabalho não pago cria competências reais, valorizadas na saúde, na educação, no comércio e não só. 8 B — Cursos financiados e apoio para cuidar dos filhos Muita formação é gratuita ou financiada, e o apoio para cuidar dos filhos pode torná-la possível. 9 B — Poupar 25 € por mês durante 12 meses para uma caução de 300 € É específico, mensurável, alcançável, relevante e tem prazo. 10 B — Nunca é tarde: passos pequenos e regulares contam O mais importante é começar. 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