{"id":27521,"date":"2022-11-30T11:00:02","date_gmt":"2022-11-30T14:00:02","guid":{"rendered":"https:\/\/www.tenda.com\/eudouconta\/?p=5243"},"modified":"2025-04-28T17:07:54","modified_gmt":"2025-04-28T20:07:54","slug":"eu-dou-conta-de-2022-dicas-de-novembro","status":"publish","type":"post","link":"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/eu-dou-conta-de-2022-dicas-de-novembro","title":{"rendered":"Eu Dou Conta de 2022: Dicas de Novembro"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Come\u00e7amos oficialmente a contagem regressiva para o fim do ano de 2022! Portanto, enquanto ele n\u00e3o chega, que tal conferir o resumo das dicas de novembro do Eu Dou Conta de 2022? Aproveite o conte\u00fado!<\/span><\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_71 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">O que voc\u00ea vai encontrar nesse post <\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/eu-dou-conta-de-2022-dicas-de-novembro\/#O_que_e_o_Eu_Dou_Conta_de_2022\" title=\"O que \u00e9 o Eu Dou Conta de 2022?\">O que \u00e9 o Eu Dou Conta de 2022?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/eu-dou-conta-de-2022-dicas-de-novembro\/#Como_limpar_o_nome\" title=\"Como limpar o nome\">Como limpar o nome<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/eu-dou-conta-de-2022-dicas-de-novembro\/#Tipos_de_dividas\" title=\"Tipos de d\u00edvidas\">Tipos de d\u00edvidas<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/eu-dou-conta-de-2022-dicas-de-novembro\/#Principais_tipos_de_divida\" title=\"Principais tipos de d\u00edvida\">Principais tipos de d\u00edvida<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/eu-dou-conta-de-2022-dicas-de-novembro\/#Emprestimo_para_quitar_dividas_vale_a_pena\" title=\"Empr\u00e9stimo para quitar d\u00edvidas: vale a pena?\">Empr\u00e9stimo para quitar d\u00edvidas: vale a pena?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/eu-dou-conta-de-2022-dicas-de-novembro\/#Passo_a_passo_para_negociar_dividas\" title=\"Passo a passo para negociar d\u00edvidas\">Passo a passo para negociar d\u00edvidas<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/eu-dou-conta-de-2022-dicas-de-novembro\/#Emprestimos_e_financiamentos\" title=\"Empr\u00e9stimos e financiamentos\">Empr\u00e9stimos e financiamentos<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/eu-dou-conta-de-2022-dicas-de-novembro\/#O_que_e_e_como_funciona_um_financiamento\" title=\"O que \u00e9 e como funciona um financiamento?\">O que \u00e9 e como funciona um financiamento?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/eu-dou-conta-de-2022-dicas-de-novembro\/#E_possivel_conseguir_um_financiamento_para_MEI\" title=\"\u00c9 poss\u00edvel conseguir um financiamento para MEI?\">\u00c9 poss\u00edvel conseguir um financiamento para MEI?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/eu-dou-conta-de-2022-dicas-de-novembro\/#Como_pedir_um_emprestimo_para_autonomo\" title=\"Como pedir um empr\u00e9stimo para aut\u00f4nomo?\">Como pedir um empr\u00e9stimo para aut\u00f4nomo?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/eu-dou-conta-de-2022-dicas-de-novembro\/#Cartao_de_credito\" title=\"Cart\u00e3o de cr\u00e9dito\">Cart\u00e3o de cr\u00e9dito<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/eu-dou-conta-de-2022-dicas-de-novembro\/#Credito_ou_debito\" title=\"Cr\u00e9dito ou d\u00e9bito?\">Cr\u00e9dito ou d\u00e9bito?<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/eu-dou-conta-de-2022-dicas-de-novembro\/#Cartao_de_credito-2\" title=\"Cart\u00e3o de cr\u00e9dito:\">Cart\u00e3o de cr\u00e9dito:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/eu-dou-conta-de-2022-dicas-de-novembro\/#Cartao_de_debito\" title=\"Cart\u00e3o de d\u00e9bito:\">Cart\u00e3o de d\u00e9bito:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/eu-dou-conta-de-2022-dicas-de-novembro\/#Como_ler_a_fatura_do_cartao_de_credito\" title=\"Como ler a fatura do cart\u00e3o de cr\u00e9dito?\">Como ler a fatura do cart\u00e3o de cr\u00e9dito?<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/eu-dou-conta-de-2022-dicas-de-novembro\/#Cabecalho\" title=\"Cabe\u00e7alho:\u00a0\">Cabe\u00e7alho:\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/eu-dou-conta-de-2022-dicas-de-novembro\/#Linhas_de_credito\" title=\"Linhas de cr\u00e9dito:\">Linhas de cr\u00e9dito:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/eu-dou-conta-de-2022-dicas-de-novembro\/#Juros\" title=\"Juros:\">Juros:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/eu-dou-conta-de-2022-dicas-de-novembro\/#Descritivo_de_gastos\" title=\"Descritivo de gastos:\">Descritivo de gastos:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/eu-dou-conta-de-2022-dicas-de-novembro\/#Dados_da_instituicao\" title=\"Dados da institui\u00e7\u00e3o:\">Dados da institui\u00e7\u00e3o:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/eu-dou-conta-de-2022-dicas-de-novembro\/#Valores\" title=\"Valores:\">Valores:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/eu-dou-conta-de-2022-dicas-de-novembro\/#Os_perigos_do_cheque_especial\" title=\"Os perigos do cheque especial\">Os perigos do cheque especial<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/eu-dou-conta-de-2022-dicas-de-novembro\/#Dicas_para_quitar_as_dividas_de_cartao_de_credito\" title=\"Dicas para quitar as d\u00edvidas de cart\u00e3o de cr\u00e9dito\">Dicas para quitar as d\u00edvidas de cart\u00e3o de cr\u00e9dito<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/eu-dou-conta-de-2022-dicas-de-novembro\/#Como_aumentar_o_limite_do_cartao_de_credito_sem_se_endividar\" title=\"Como aumentar o limite do cart\u00e3o de cr\u00e9dito sem se endividar\">Como aumentar o limite do cart\u00e3o de cr\u00e9dito sem se endividar<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/eu-dou-conta-de-2022-dicas-de-novembro\/#Conta_digital_o_que_e\" title=\"Conta digital: o que \u00e9?\">Conta digital: o que \u00e9?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/eu-dou-conta-de-2022-dicas-de-novembro\/#Orcamento_pessoal_9_itens_essenciais\" title=\"Or\u00e7amento pessoal: 9 itens essenciais\">Or\u00e7amento pessoal: 9 itens essenciais<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/eu-dou-conta-de-2022-dicas-de-novembro\/#Como_fazer_uma_reserva_de_emergencia\" title=\"Como fazer uma reserva de emerg\u00eancia\">Como fazer uma reserva de emerg\u00eancia<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/eu-dou-conta-de-2022-dicas-de-novembro\/#Black_Friday_2022\" title=\"Black Friday 2022\">Black Friday 2022<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/eu-dou-conta-de-2022-dicas-de-novembro\/#Dicas_para_economizar_na_Black_Friday\" title=\"Dicas para economizar na Black Friday\">Dicas para economizar na Black Friday<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/eu-dou-conta-de-2022-dicas-de-novembro\/#Tudo_sobre_o_decimo_terceiro\" title=\"Tudo sobre o d\u00e9cimo terceiro\">Tudo sobre o d\u00e9cimo terceiro<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-31\" href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/eu-dou-conta-de-2022-dicas-de-novembro\/#Quando_sai_a_primeira_parcela_do_13o\" title=\"Quando sai a primeira parcela do 13\u00ba?\">Quando sai a primeira parcela do 13\u00ba?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-32\" href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/eu-dou-conta-de-2022-dicas-de-novembro\/#Como_calcular_o_decimo_terceiro\" title=\"Como calcular o d\u00e9cimo terceiro?\">Como calcular o d\u00e9cimo terceiro?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-33\" href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/eu-dou-conta-de-2022-dicas-de-novembro\/#Como_usar_o_decimo_terceiro_para_limpar_o_nome\" title=\"Como usar o d\u00e9cimo terceiro para limpar o nome\">Como usar o d\u00e9cimo terceiro para limpar o nome<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-34\" href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/eu-dou-conta-de-2022-dicas-de-novembro\/#21_dicas_para_economizar_no_supermercado\" title=\"21 dicas para economizar no supermercado\">21 dicas para economizar no supermercado<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-35\" href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/eu-dou-conta-de-2022-dicas-de-novembro\/#Tudo_sobre_programa_de_afiliados\" title=\"Tudo sobre programa de afiliados\">Tudo sobre programa de afiliados<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-36\" href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/eu-dou-conta-de-2022-dicas-de-novembro\/#Quais_sao_as_vantagens_dos_programas_de_afiliados\" title=\"Quais s\u00e3o as vantagens dos programas de afiliados?\">Quais s\u00e3o as vantagens dos programas de afiliados?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-37\" href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/eu-dou-conta-de-2022-dicas-de-novembro\/#Quais_sao_os_melhores_programas_de_afiliados\" title=\"Quais s\u00e3o os melhores programas de afiliados?\">Quais s\u00e3o os melhores programas de afiliados?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-38\" href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/eu-dou-conta-de-2022-dicas-de-novembro\/#Como_ganhar_dinheiro_com_programa_de_afiliados\" title=\"Como ganhar dinheiro com programa de afiliados\">Como ganhar dinheiro com programa de afiliados<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-39\" href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/eu-dou-conta-de-2022-dicas-de-novembro\/#Conheca_o_Clickers\" title=\"Conhe\u00e7a o Clickers\">Conhe\u00e7a o Clickers<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-40\" href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/eu-dou-conta-de-2022-dicas-de-novembro\/#Eu_Dou_Conta_de_2022_chegamos_em_dezembro\" title=\"Eu Dou Conta de 2022: chegamos em dezembro!\">Eu Dou Conta de 2022: chegamos em dezembro!<\/a><\/li><\/ul><\/nav><\/div>\n\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"O_que_e_o_Eu_Dou_Conta_de_2022\"><\/span><b>O que \u00e9 o Eu Dou Conta de 2022?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-5795\" src=\"https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2022\/11\/image21.jpg\" alt=\"Eu dou conta de 2022\" width=\"800\" height=\"530\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Sem d\u00favida, 2021 n\u00e3o foi um ano f\u00e1cil, n<\/span><span style=\"font-weight: 400;\">\u00e9? A gente se empolgou com o \u201cs\u00f3 se vive uma vez\u201d, mas esquecemos que os boletos est\u00e3o bem vivos todos os meses. Portanto, a<\/span><span style=\"font-weight: 400;\">inda bem que 2022 est\u00e1 a\u00ed pra voc\u00ea dar um jeito nas contas!<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dessa forma, pensando em \u201cano novo, vida nova\u201d, criamos o \u201cEu Dou Conta de 2022\u201d, um <\/span><span style=\"font-weight: 400;\">projeto que tem o objetivo de ajudar voc\u00ea a melhorar sua sa\u00fade financeira.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Por isso, v<\/span><span style=\"font-weight: 400;\">amos postar dicas e conte\u00fados que v\u00e3o ajudar <\/span><span style=\"font-weight: 400;\">voc\u00ea <\/span><span style=\"font-weight: 400;\">a economizar, lidar com as d\u00edvidas e realizar seus sonhos. S\u00e3o 365 dicas, 365 oportunidades pra voc\u00ea mudar de vida. \u00c9 s\u00f3 conferir l\u00e1 nos stories do <\/span><a href=\"https:\/\/www.instagram.com\/construtoratenda\/?hl=pt-br\"><span style=\"font-weight: 400;\">Instagram<\/span><\/a><span style=\"font-weight: 400;\">. Afinal, Vamos juntos?<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Como_limpar_o_nome\"><\/span><a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/como-saber-se-seu-nome-esta-limpo\/\"><b>Como limpar o nome<\/b><\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-5812\" src=\"https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2022\/11\/image38.jpg\" alt=\"Limpar o nome\" width=\"800\" height=\"530\" \/><\/p>\n<p><span style=\"font-weight: 400;\">E a\u00ed, vamos entender como voc\u00ea pode limpar seu nome antes do ano acabar? Dessa forma, preparamos um passo a passo completo para ajudar<\/span><span style=\"font-weight: 400;\"> voc\u00ea nisso<\/span><span style=\"font-weight: 400;\">:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Conhe\u00e7a o tamanho das suas<\/span> <a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/como-quitar-dividas-8-dicas-para-sair-do-vermelho\/\"><span style=\"font-weight: 400;\">d\u00edvidas<\/span><\/a><span style=\"font-weight: 400;\">;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fa\u00e7a um<\/span> <a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/9-coisas-que-todo-orcamento-deve-ter-para-dar-certo\/\"><span style=\"font-weight: 400;\">planejamento financeiro<\/span> <\/a><span style=\"font-weight: 400;\">para ficar com o<\/span> <a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/quanto-tempo-leva-para-limpar-o-nome\/\"><span style=\"font-weight: 400;\">nome limpo<\/span><\/a><span style=\"font-weight: 400;\">;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Avalie<\/span> <a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/saiba-como-trocar-uma-divida-e-conseguir-condicoes-melhores\/\"><span style=\"font-weight: 400;\">trocar de d\u00edvida<\/span><\/a><span style=\"font-weight: 400;\">;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fique de olho nos<\/span> <a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/feirao-de-negociacao-de-dividas\/\"><span style=\"font-weight: 400;\">feir\u00f5es de negocia\u00e7\u00e3o de d\u00edvidas<\/span><\/a><span style=\"font-weight: 400;\">;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Entre em contato com as empresas;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/como-negociar-dividas\/\"><span style=\"font-weight: 400;\">Negocie<\/span> <\/a><span style=\"font-weight: 400;\">suas d\u00edvidas<\/span> <span style=\"font-weight: 400;\">fazendo<\/span> <span style=\"font-weight: 400;\">uma proposta;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fa\u00e7a contrapropostas;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cumpra o combinado;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Veja<\/span> <span style=\"font-weight: 400;\">se <\/span><span style=\"font-weight: 400;\">seu nome<\/span> <span style=\"font-weight: 400;\">foi <\/span><span style=\"font-weight: 400;\">retirado das listas<\/span><span style=\"font-weight: 400;\"> de negativados<\/span><span style=\"font-weight: 400;\">;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Foque no pagamento das d\u00edvidas para manter seu nome limpo.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Tipos_de_dividas\"><\/span><b>Tipos de d\u00edvidas<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-5816\" src=\"https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2022\/11\/image42.jpg\" alt=\"Tipos de d\u00edvida\" width=\"800\" height=\"530\" srcset=\"https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2022\/11\/image42.jpg 800w, https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2022\/11\/image42-300x199.jpg 300w, https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2022\/11\/image42-768x509.jpg 768w, https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2022\/11\/image42-150x99.jpg 150w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">As <\/span><a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/dicas-para-sair-das-dividas-ate-o-final-do-ano\/\"><span style=\"font-weight: 400;\">d\u00edvidas<\/span> <\/a><span style=\"font-weight: 400;\">continuam tirando seu sono por a\u00ed? Apesar disso, em novembro, aprendemos que<\/span><span style=\"font-weight: 400;\">, <\/span><span style=\"font-weight: 400;\">apesar de parecer <\/span><span style=\"font-weight: 400;\">dif\u00edcil<\/span><span style=\"font-weight: 400;\">, sim, as d\u00edvidas podem ser resolvidas!<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Em seguida, veja quais foram os temas sobre o assunto no Eu Dou Conta de 2022.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Principais_tipos_de_divida\"><\/span><strong>Principais <a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/dicas-para-sair-das-dividas-ate-o-final-do-ano\/\">tipos de d\u00edvida<\/a><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Primeiramente, antes de entender como resolver suas pend\u00eancias financeiras, \u00e9 importante conhecer qual destas<\/span> <span style=\"font-weight: 400;\">d\u00edvida<\/span><span style=\"font-weight: 400;\">s<\/span> <span style=\"font-weight: 400;\">est\u00e1 perturbando seu sossego:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/cheque-especial-o-que-e-e-como-funciona\/\"><span style=\"font-weight: 400;\">Cheque especial<\/span><\/a><span style=\"font-weight: 400;\">;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/o-que-e-financiamento\/\"><span style=\"font-weight: 400;\">Financiamento<\/span><\/a><span style=\"font-weight: 400;\">;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/divida-de-cartao-de-credito-14-dicas-pra-te-ajudar\/\"><span style=\"font-weight: 400;\">D\u00edvida de cart\u00e3o de cr\u00e9dito<\/span><\/a><span style=\"font-weight: 400;\">;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/o-que-e-emprestimo\/\"><span style=\"font-weight: 400;\">Empr\u00e9stimo<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Emprestimo_para_quitar_dividas_vale_a_pena\"><\/span><strong>Empr\u00e9stimo para quitar d\u00edvidas: vale a pena?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Uma das formas mais conhecidas de quitar as d\u00edvidas \u00e9 pegar um <\/span><a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/emprestimo-para-quitar-dividas-vale-a-pena\/\"><span style=\"font-weight: 400;\">empr\u00e9stimo<\/span> <\/a><span style=\"font-weight: 400;\">no banco, uma vez que. Em segundo lugar, pagar o que est\u00e1 devendo e depois devolver a quantia. Por\u00e9m, a d\u00favida de muitos \u00e9 se fazer isso vale a pena, j\u00e1 que <\/span><span style=\"font-weight: 400;\">a pessoa <\/span><span style=\"font-weight: 400;\">estar\u00e1 criando uma nova d\u00edvida (que <\/span><span style=\"font-weight: 400;\">tamb\u00e9m <\/span><span style=\"font-weight: 400;\">precisa<\/span><span style=\"font-weight: 400;\">r\u00e1<\/span> <span style=\"font-weight: 400;\">ser paga<\/span><span style=\"font-weight: 400;\">)<\/span><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Primeiramente, saiba que n\u00e3o \u00e9 preciso ter medo de pedir um empr\u00e9stimo, pois essa pode sim ser a melhor op\u00e7\u00e3o em certos casos, como:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Quando<\/span> <span style=\"font-weight: 400;\">o pagamento d<\/span><span style=\"font-weight: 400;\">as d\u00edvidas<\/span><span style=\"font-weight: 400;\"> \u00e9 <\/span><span style=\"font-weight: 400;\">urgente;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Se os juros<\/span><span style=\"font-weight: 400;\"> do empr\u00e9stimo<\/span> <span style=\"font-weight: 400;\">s\u00e3o menores<\/span><span style=\"font-weight: 400;\"> que os da d\u00edvida<\/span><span style=\"font-weight: 400;\">;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Se o seu<\/span> <a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/como-limpar-nome-sujo\/\"><span style=\"font-weight: 400;\">nome est\u00e1 sujo<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Diante disso, existem diversas modalidades de <\/span><a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/emprestimo-para-negativado\/\"><span style=\"font-weight: 400;\">empr\u00e9stimo para negativado<\/span><\/a><span style=\"font-weight: 400;\">. Por fim, o mais importante \u00e9 solicitar esse cr\u00e9dito em uma institui\u00e7\u00e3o de confian\u00e7a e sempre analisar se voc\u00ea tem condi\u00e7\u00f5es de pagar os juros.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Passo_a_passo_para_negociar_dividas\"><\/span><strong>Passo a passo para negociar d\u00edvidas<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">S<\/span><span style=\"font-weight: 400;\">abe<\/span><span style=\"font-weight: 400;\">ndo<\/span> <span style=\"font-weight: 400;\">qual o tipo de d\u00edvida <\/span><span style=\"font-weight: 400;\">voc\u00ea <\/span><span style=\"font-weight: 400;\">tem, veja <\/span><span style=\"font-weight: 400;\">o roteiro<\/span> <a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/como-negociar-dividas\/\"><span style=\"font-weight: 400;\">negociar<\/span> <\/a><span style=\"font-weight: 400;\">seus d\u00e9bitos:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Avalie<\/span> <span style=\"font-weight: 400;\">sua situa\u00e7\u00e3o financeira;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Liste<\/span> <span style=\"font-weight: 400;\">suas d\u00edvidas;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Saiba quanto voc\u00ea pode pagar<\/span><span style=\"font-weight: 400;\"> por m\u00eas<\/span><span style=\"font-weight: 400;\">;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Priorize as d\u00edvidas com juros mais altos;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Negocie as d\u00edvidas com o credor;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fique atento aos juros;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Procure<\/span> <a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/feirao-de-negociacao-de-dividas\/\"><span style=\"font-weight: 400;\">feir\u00f5es de negocia\u00e7\u00e3o<\/span><\/a><span style=\"font-weight: 400;\">;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Busque uma<\/span> <a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/renda-extra\/\"><span style=\"font-weight: 400;\">renda extra<\/span><\/a><span style=\"font-weight: 400;\">;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mantenha o controle das finan\u00e7as.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Emprestimos_e_financiamentos\"><\/span><strong>Empr\u00e9stimos e financiamentos<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-5778\" src=\"https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2022\/11\/image4.jpg\" alt=\"Empr\u00e9stimos e financiamentos\" width=\"800\" height=\"530\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Voc\u00ea tem d\u00favidas sobre <\/span><a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/o-que-e-emprestimo\/\"><span style=\"font-weight: 400;\">empr\u00e9stimo<\/span> <\/a><span style=\"font-weight: 400;\">ou <\/span><a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/o-que-e-financiamento\/\"><span style=\"font-weight: 400;\">financiamento<\/span><\/a><span style=\"font-weight: 400;\">? Quer entender como cada modalidade funciona? Ent\u00e3o, confira tudo o que <\/span><span style=\"font-weight: 400;\">postamos<\/span> <span style=\"font-weight: 400;\">em<\/span> <span style=\"font-weight: 400;\">novembro <\/span><span style=\"font-weight: 400;\">sobre os temas!<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"O_que_e_e_como_funciona_um_financiamento\"><\/span><strong>O que \u00e9 e como funciona um financiamento?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Em resumo, o <\/span><a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/o-que-e-financiamento\/\"><span style=\"font-weight: 400;\">financiamento<\/span> <\/a><span style=\"font-weight: 400;\">\u00e9 um tipo de cr\u00e9dito muito utilizado para a compra de <\/span><span style=\"font-weight: 400;\">bens de grande valor, como<\/span> <a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/como-financiar-um-imovel\/\"><span style=\"font-weight: 400;\">im\u00f3veis<\/span> <\/a><span style=\"font-weight: 400;\">e <\/span><a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/como-comprar-um-carro\/\"><span style=\"font-weight: 400;\">ve\u00edculos<\/span><\/a><span style=\"font-weight: 400;\">. Em outras palavras, o<\/span>\u00a0<span style=\"font-weight: 400;\">comprado <\/span><span style=\"font-weight: 400;\">pega o dinheiro<\/span> <span style=\"font-weight: 400;\">com um<\/span><span style=\"font-weight: 400;\">a<\/span> i<span style=\"font-weight: 400;\">nstitui\u00e7\u00e3o financeira <\/span><span style=\"font-weight: 400;\">e faz <\/span><span style=\"font-weight: 400;\">o pagamento<\/span><span style=\"font-weight: 400;\">, com juros, em <\/span><span style=\"font-weight: 400;\">suaves presta\u00e7\u00f5es.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A vantagem \u00e9 que<\/span> <span style=\"font-weight: 400;\">o comprador j\u00e1 pode usufruir do que foi comprado<\/span><span style=\"font-weight: 400;\">, <\/span><span style=\"font-weight: 400;\">sem precisar quitar a d\u00edvida de uma vez.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Para <\/span><span style=\"font-weight: 400;\">obter um financiamento<\/span><span style=\"font-weight: 400;\">, \u00e9 preciso se encaixar <\/span><span style=\"font-weight: 400;\">n<\/span><span style=\"font-weight: 400;\">as regras <\/span><span style=\"font-weight: 400;\">da<\/span> <span style=\"font-weight: 400;\">institui\u00e7\u00e3o financeira, como<\/span> <span style=\"font-weight: 400;\">ser maior de idade, ter o <\/span><a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/como-saber-se-seu-nome-esta-limpo\/\"><span style=\"font-weight: 400;\">nome limpo<\/span> <\/a><span style=\"font-weight: 400;\">e <\/span><span style=\"font-weight: 400;\">poder <\/span><span style=\"font-weight: 400;\">comprovar renda.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"E_possivel_conseguir_um_financiamento_para_MEI\"><\/span><strong>\u00c9 poss\u00edvel conseguir um <a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/financiamento-para-mei\/\">financiamento para MEI<\/a>?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Sim! Quem <\/span><span style=\"font-weight: 400;\">\u00e9 <\/span><a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/o-que-e-mei\/\"><span style=\"font-weight: 400;\">microempreendedor individual<\/span> <\/a><span style=\"font-weight: 400;\">tamb\u00e9m pode fazer um financiamento <\/span><span style=\"font-weight: 400;\">para <\/span><span style=\"font-weight: 400;\">conquistar bens de grande valor, como um im\u00f3vel ou um carro, por exemplo.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Para isso<\/span><span style=\"font-weight: 400;\">, <\/span><span style=\"font-weight: 400;\">\u00e9 preciso apresentar documentos que comprov<\/span><span style=\"font-weight: 400;\">e<\/span><span style=\"font-weight: 400;\">m o <\/span><span style=\"font-weight: 400;\">rendimento mensal do <\/span><span style=\"font-weight: 400;\">MEI, <\/span><span style=\"font-weight: 400;\">e<\/span><span style=\"font-weight: 400;\">xtrato banc\u00e1rio<\/span><span style=\"font-weight: 400;\">s<\/span> <span style=\"font-weight: 400;\">d<\/span><span style=\"font-weight: 400;\">e<\/span> <span style=\"font-weight: 400;\">conta corrente ativa,<\/span> <a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/imposto-de-renda-para-autonomo\/\"><span style=\"font-weight: 400;\">Declara\u00e7\u00e3o do Imposto de Renda<\/span><\/a><span style=\"font-weight: 400;\">, Recibo de Pagamento Aut\u00f4nomo<\/span><span style=\"font-weight: 400;\"> e <\/span><span style=\"font-weight: 400;\">\u00a0<\/span><span style=\"font-weight: 400;\">contrato de presta\u00e7\u00e3o de servi\u00e7os, entre outros<\/span><span style=\"font-weight: 400;\">, podem ser usados para<\/span> <span style=\"font-weight: 400;\">comprovar a renda do MEI<\/span><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Como_pedir_um_emprestimo_para_autonomo\"><\/span><strong>Como pedir um <a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/emprestimo-para-autonomo-tudo-o-que-voce-precisa-saber\/\">empr\u00e9stimo para aut\u00f4nomo<\/a>?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">S<\/span><span style=\"font-weight: 400;\">e voc\u00ea trabalha por conta pr\u00f3pria e <\/span><span style=\"font-weight: 400;\">quer<\/span> <span style=\"font-weight: 400;\">pedir um empr\u00e9stimo para o banco, \u00e9 preciso ter alguns cuidados para <\/span><span style=\"font-weight: 400;\">obt\u00ea-lo<\/span><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Mante<\/span><span style=\"font-weight: 400;\">r<\/span> <span style=\"font-weight: 400;\">o pagamento de todas as contas em dia, concentr<\/span><span style=\"font-weight: 400;\">ar<\/span> <span style=\"font-weight: 400;\">todos os seus ganhos em apenas uma conta banc\u00e1ria e sempre declar<\/span><span style=\"font-weight: 400;\">ar <\/span><span style=\"font-weight: 400;\">seu <\/span><a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/imposto-de-renda-para-autonomo\/\"><span style=\"font-weight: 400;\">Imposto de<\/span><\/a> <a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/imposto-de-renda-para-autonomo\/\"><span style=\"font-weight: 400;\">Renda<\/span><\/a><span style=\"font-weight: 400;\">. Sendo assim, essas <\/span><span style=\"font-weight: 400;\">a\u00e7\u00f5es<\/span> <span style=\"font-weight: 400;\">ajudam a mostrar para o banco que voc\u00ea \u00e9 respons\u00e1vel e tem condi\u00e7\u00f5es de arcar com o pagamento do empr\u00e9stimo.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Cartao_de_credito\"><\/span>Cart\u00e3o de cr\u00e9dito<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-5785\" src=\"https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2022\/11\/image11.jpg\" alt=\"Cart\u00e3o de cr\u00e9dito\" width=\"800\" height=\"530\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Boa parte das d\u00edvidas dos brasileiros,<\/span><span style=\"font-weight: 400;\"> resultado d<\/span><span style=\"font-weight: 400;\">o descontrole com o cart\u00e3o de cr\u00e9dito. Afinal, por ser uma op\u00e7\u00e3o <\/span><span style=\"font-weight: 400;\">pr\u00e1tica <\/span><span style=\"font-weight: 400;\">para fazer compras, muitos consumidores acabam esquecendo que o boleto chega no final do m\u00eas<\/span><span style=\"font-weight: 400;\"> e<\/span> <span style=\"font-weight: 400;\">compra<\/span> <span style=\"font-weight: 400;\">mais do que podem pagar.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Quer entender <\/span><span style=\"font-weight: 400;\">tudo<\/span><span style=\"font-weight: 400;\"> sobre cart\u00e3o de cr\u00e9dito e como resolver as d\u00edvidas? Ent\u00e3o, veja nosso resumo de novembro!<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Credito_ou_debito\"><\/span><strong>Cr\u00e9dito ou d\u00e9bito?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u201cVai passar no <\/span><a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/credito-ou-debito-qual-e-a-melhor-opcao\/\"><span style=\"font-weight: 400;\">cr\u00e9dito ou no d\u00e9bito<\/span><\/a><span style=\"font-weight: 400;\">?\u201d Sem sombra de d\u00favida<\/span><span style=\"font-weight: 400;\">, voc\u00ea j\u00e1 escutou essa frase algumas vezes. Al\u00e9m disso, provavelmente tamb\u00e9m ficou na d\u00favida de qual op\u00e7\u00e3o usar, certo?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Cada uma dessas formas de pagamento tem seus pr\u00f3s e contras. Assim sendo, a escolha deve se basear <\/span><span style=\"font-weight: 400;\">na<\/span> <span style=\"font-weight: 400;\">op\u00e7\u00e3o mais vi\u00e1vel para suas finan\u00e7as e <\/span><span style=\"font-weight: 400;\">se<\/span> <span style=\"font-weight: 400;\">n\u00e3o vai bagun\u00e7ar seu planejamento.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Saiba quando usar cada um<\/span><span style=\"font-weight: 400;\">:<\/span><\/p>\n<h4><span class=\"ez-toc-section\" id=\"Cartao_de_credito-2\"><\/span><b>Cart\u00e3o de cr\u00e9dito: <\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><span style=\"font-weight: 400;\">para compras com valores maiores, como eletrodom\u00e9sticos, passagens a\u00e9reas, m\u00f3veis e tudo o que for poss\u00edvel parcelar, al\u00e9m de compras que gerem benef\u00edcios para voc\u00ea.\u00a0 Sendo assim, o caso dos famosos pontos<\/span><span style=\"font-weight: 400;\">, <\/span><span style=\"font-weight: 400;\">que podem ser trocados por passagens e produtos em geral, dependendo do plano assinado.<\/span><\/p>\n<h4><span class=\"ez-toc-section\" id=\"Cartao_de_debito\"><\/span><b>Cart\u00e3o de d\u00e9bito: <\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>\u00c9 m<span style=\"font-weight: 400;\">ais recomendado em gastos do cotidiano, como em<\/span> <a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/dicas-para-economizar-no-supermercado\/\"><span style=\"font-weight: 400;\">supermercados<\/span> <\/a><span style=\"font-weight: 400;\">e farm\u00e1cias, por exemplo. Do mesmo modo, use essa op\u00e7\u00e3o para evitar novas ou mais<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/p>\n<p><span style=\"font-weight: 400;\">d\u00edvidas, caso j\u00e1 esteja nessa situa\u00e7\u00e3o<\/span><span style=\"font-weight: 400;\">, uma vez que o valor \u00e9 debitado da<\/span> <span style=\"font-weight: 400;\">sua conta corrente na mesma hora<\/span><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Como_ler_a_fatura_do_cartao_de_credito\"><\/span><strong>Como ler a fatura do cart\u00e3o de cr\u00e9dito?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">A <\/span><a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/fatura-de-cartao-de-credito\/\"><span style=\"font-weight: 400;\">fatura do cart\u00e3o de cr\u00e9dito<\/span> <\/a><span style=\"font-weight: 400;\">chegou e voc\u00ea n\u00e3o entendeu nada? Muita calma nessa hora! \u00c9 comum ficar confuso por conta dos detalhes, mas \u00e9 essencial saber o que cada informa\u00e7\u00e3o significa para ficar em dia com os seus pagamentos.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Preparamos um pequeno resumo sobre as principais informa\u00e7\u00f5es. Confira:<\/span><\/p>\n<h4><span class=\"ez-toc-section\" id=\"Cabecalho\"><\/span><b>Cabe\u00e7alho<\/b><span style=\"font-weight: 400;\">:<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><span style=\"font-weight: 400;\">Nessa parte que se encontram as informa\u00e7\u00f5es de entrega e os principais dados, como nome, endere\u00e7o, valor total da fatura e data de vencimento;<\/span><\/p>\n<h4><span class=\"ez-toc-section\" id=\"Linhas_de_credito\"><\/span><b>Linhas de cr\u00e9dito<\/b><span style=\"font-weight: 400;\">: <\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><span style=\"font-weight: 400;\">\u00c9 o espa\u00e7o que mostra o limite total<\/span><span style=\"font-weight: 400;\"> do cart\u00e3o<\/span><span style=\"font-weight: 400;\">,<\/span> <span style=\"font-weight: 400;\">o<\/span> <span style=\"font-weight: 400;\">quanto j\u00e1 foi gasto e a quantia ainda dispon\u00edvel para uso;<\/span><\/p>\n<h4><span class=\"ez-toc-section\" id=\"Juros\"><\/span><b>Juros<\/b><span style=\"font-weight: 400;\">: <\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><span style=\"font-weight: 400;\">S\u00e3o as taxas de juros cobradas<\/span> <span style=\"font-weight: 400;\">por despesas <\/span><span style=\"font-weight: 400;\">parcela<\/span><span style=\"font-weight: 400;\">da<\/span><span style=\"font-weight: 400;\">s ou<\/span> <span style=\"font-weight: 400;\">por<\/span> <span style=\"font-weight: 400;\">compras espec\u00edficas;<\/span><\/p>\n<h4><span class=\"ez-toc-section\" id=\"Descritivo_de_gastos\"><\/span><b>Descritivo de gastos<\/b><span style=\"font-weight: 400;\">: <\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><span style=\"font-weight: 400;\">Como o pr\u00f3prio nome j\u00e1 diz, s\u00e3o as compras que voc\u00ea realizou no m\u00eas. Em suma,<\/span>\u00a0<span style=\"font-weight: 400;\">\u00e9 poss\u00edvel ver a data<\/span><span style=\"font-weight: 400;\"> em que o cart\u00e3o foi<\/span> <span style=\"font-weight: 400;\">utilizado<\/span><span style=\"font-weight: 400;\">, o nome do estabelecimento, o valor e a quantidade de parcelas feitas;<\/span><\/p>\n<h4><span class=\"ez-toc-section\" id=\"Dados_da_instituicao\"><\/span><b>Dados da institui\u00e7\u00e3o<\/b><span style=\"font-weight: 400;\">: <\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><span style=\"font-weight: 400;\">S\u00e3o as informa\u00e7\u00f5es do banco respons\u00e1vel pelo cart\u00e3o de cr\u00e9dito;<\/span><\/p>\n<h4><span class=\"ez-toc-section\" id=\"Valores\"><\/span><b>Valores<\/b><span style=\"font-weight: 400;\">: <\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><span style=\"font-weight: 400;\">Por \u00faltimo, mas n\u00e3o menos importante, s\u00e3o os valores m\u00ednimo e m\u00e1ximo para pagamento.<\/span><span style=\"font-weight: 400;\"> E aten\u00e7\u00e3o: toda vez que voc\u00ea fizer s\u00f3 o<\/span> <span style=\"font-weight: 400;\">pagamento m\u00ednimo, ficar\u00e1 pagando juros sobre o que n\u00e3o foi pago. Em resumo, \u00e9 a<\/span> <span style=\"font-weight: 400;\">famosa bola de neve: mesmo que esse valor n\u00e3o seja muito alto, pode virar<\/span> <span style=\"font-weight: 400;\">uma grande d\u00edvida!<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Agora que voc\u00ea j\u00e1 conhece os detalhes que comp\u00f5em a fatura, coloque <\/span><span style=\"font-weight: 400;\">a <\/span><span style=\"font-weight: 400;\">sua <\/span><a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/organizacao-financeira-inicie-o-ano-com-as-contas-em-dia\/\"><span style=\"font-weight: 400;\">organiza\u00e7\u00e3o financeira<\/span> <\/a><span style=\"font-weight: 400;\">em pr\u00e1tica para n\u00e3o tomar um susto toda vez que ela chegar, combinado?<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Os_perigos_do_cheque_especial\"><\/span><strong>Os perigos do cheque especial<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">O<\/span><a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/cheque-especial-o-que-e-e-como-funciona\/\"><span style=\"font-weight: 400;\"> cheque especial<\/span> <\/a><span style=\"font-weight: 400;\">\u00e9 um tipo de empr\u00e9stimo pr\u00e9-aprovado que o banco deixa dispon\u00edvel assim que voc\u00ea abre uma conta. Ao <\/span><span style=\"font-weight: 400;\">gastar<\/span> <span style=\"font-weight: 400;\">mais do que tem nessa<\/span> <span style=\"font-weight: 400;\">conta, voc\u00ea entra no cheque especial.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Em outras palavras<\/span><span style=\"font-weight: 400;\">: <\/span><span style=\"font-weight: 400;\">sabe quando voc\u00ea gasta mais do que tem<\/span><span style=\"font-weight: 400;\">, <\/span><span style=\"font-weight: 400;\">e continua com dinheiro? \u00c9 por conta do cheque especial. No entanto, a<\/span><span style=\"font-weight: 400;\">pesar de parecer uma \u00f3tima sa\u00edda, ele \u00e9 <\/span><span style=\"font-weight: 400;\">bem <\/span><span style=\"font-weight: 400;\">perigoso, e vamos explicar por qu\u00ea.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Se, p<\/span><span style=\"font-weight: 400;\">or exemplo, voc\u00ea <\/span><span style=\"font-weight: 400;\">tivesse <\/span><span style=\"font-weight: 400;\">R$ 100<\/span><span style=\"font-weight: 400;\">,<\/span><span style=\"font-weight: 400;\"> na conta <\/span><span style=\"font-weight: 400;\">e <\/span><span style=\"font-weight: 400;\">passasse um<\/span> <span style=\"font-weight: 400;\">cheque de <\/span><span style=\"font-weight: 400;\">R$ 300, <\/span><span style=\"font-weight: 400;\">entraria automaticamente no cheque<\/span><span style=\"font-weight: 400;\"> especial <\/span><span style=\"font-weight: 400;\">e come\u00e7aria a pagar juros<\/span> <span style=\"font-weight: 400;\">sobre os <\/span><span style=\"font-weight: 400;\">R$ 200<\/span><span style=\"font-weight: 400;\"> que o banco cobriu<\/span><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">E n\u00e3o s\u00f3. Q<\/span><span style=\"font-weight: 400;\">uanto mais tempo voc\u00ea <\/span><span style=\"font-weight: 400;\">ficasse <\/span><span style=\"font-weight: 400;\">deve<\/span><span style=\"font-weight: 400;\">ndo<\/span> <span style=\"font-weight: 400;\">ao banco, maiores os juros<\/span><span style=\"font-weight: 400;\"> seriam<\/span><span style=\"font-weight: 400;\">.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Primeiramente, s\u00e3o cobrados juros por quanto voc\u00ea deve. Enquanto isso, no segundo dia, os juros continuam sobre o que voc\u00ea est\u00e1 devendo + os juros do dia anterior. P\u00e9ssimo, n\u00e3o \u00e9<\/span><span style=\"font-weight: 400;\"> mesmo<\/span><span style=\"font-weight: 400;\">?<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Dicas_para_quitar_as_dividas_de_cartao_de_credito\"><\/span><strong>Dicas para quitar as d\u00edvidas de cart\u00e3o de cr\u00e9dito<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Para fechar nossa s\u00e9rie sobre cart\u00e3o de cr\u00e9dito, <\/span><span style=\"font-weight: 400;\">confir<\/span><span style=\"font-weight: 400;\">a a seguir <\/span><a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/divida-de-cartao-de-credito-14-dicas-pra-te-ajudar\/\"><span style=\"font-weight: 400;\">14 dicas<\/span><\/a> <a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/divida-de-cartao-de-credito-14-dicas-pra-te-ajudar\/\"><span style=\"font-weight: 400;\">para quitar d\u00edvidas<\/span><\/a><span style=\"font-weight: 400;\">:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Saiba exatamente<\/span> <span style=\"font-weight: 400;\">quanto voc\u00ea<\/span> <span style=\"font-weight: 400;\">est\u00e1 <\/span><span style=\"font-weight: 400;\">deve<\/span><span style=\"font-weight: 400;\">ndo<\/span><span style=\"font-weight: 400;\">;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Analise <\/span><span style=\"font-weight: 400;\">sua situa\u00e7\u00e3o financeira;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Entre em contato com a empresa;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Avalie<\/span><span style=\"font-weight: 400;\"> a proposta;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fa\u00e7a um<\/span> <a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/o-que-e-emprestimo-pessoal\/\"><span style=\"font-weight: 400;\">empr\u00e9stimo pessoal<\/span><\/a><span style=\"font-weight: 400;\">;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Procure op\u00e7\u00f5es mais baratas;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pe\u00e7a por parcelas fixas;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Monitore o cumprimento do acordo;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pague sempre a fatura total;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">N\u00e3o atrase o pagamento;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tenha c<\/span><span style=\"font-weight: 400;\">uidado com compras de pequenos valores;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">N\u00e3o use muitos cart\u00f5es ao mesmo tempo;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Diminua o limite do cart\u00e3o;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Repense seus h\u00e1bitos de consumo.<\/span><\/li>\n<\/ol>\n<h3><span class=\"ez-toc-section\" id=\"Como_aumentar_o_limite_do_cartao_de_credito_sem_se_endividar\"><\/span><strong>Como aumentar o limite do cart\u00e3o de cr\u00e9dito sem se endividar<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Precisando de um <\/span><a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/como-aumentar-o-limite-do-cartao-de-credito-sem-se-endividar\/\"><span style=\"font-weight: 400;\">limite<\/span> <\/a><span style=\"font-weight: 400;\">um pouco mais alto? Em muitos casos, seja por um gasto inesperado ou para quitar uma d\u00edvida urgente, aumentar o limite do cart\u00e3o de cr\u00e9dito \u00e9 uma op\u00e7<\/span><span style=\"font-weight: 400;\">\u00e3o v\u00e1lida<\/span><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Por\u00e9m, muitas pessoas t\u00eam medo de que essa pr\u00e1tica possa causar <\/span><span style=\"font-weight: 400;\">perda de controle sobre os gastos<\/span><span style=\"font-weight: 400;\">. Portanto, se voc\u00ea quer aumentar o seu limite de forma segura, veja as dicas que separamos para fazer isso com tranquilidade:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Coloque todos os gastos no papel;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Evite parcelar;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fique de olho no<\/span> <span style=\"font-weight: 400;\">seu <\/span><span style=\"font-weight: 400;\">CPF;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Planeje<\/span> <span style=\"font-weight: 400;\">suas compras;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Acompanhe os gastos diariamente;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">N\u00e3o se esque\u00e7a<\/span> <span style=\"font-weight: 400;\">que <\/span><span style=\"font-weight: 400;\">os juros<\/span><span style=\"font-weight: 400;\"> fazem a fatura ficar mais alta<\/span><span style=\"font-weight: 400;\">.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conta_digital_o_que_e\"><\/span><b>Conta digital: o que \u00e9?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-5797\" src=\"https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2022\/11\/image23.jpg\" alt=\"Conta digital\" width=\"800\" height=\"530\" srcset=\"https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2022\/11\/image23.jpg 800w, https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2022\/11\/image23-300x199.jpg 300w, https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2022\/11\/image23-768x509.jpg 768w, https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2022\/11\/image23-150x99.jpg 150w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Elas est\u00e3o cada vez mais em alta e j\u00e1 s\u00e3o as queridinhas de quem as conhece. J\u00e1 sabe d<\/span><span style=\"font-weight: 400;\">o<\/span> <span style=\"font-weight: 400;\">que<\/span> <span style=\"font-weight: 400;\">estamos falando? O assunto agora s\u00e3o as <\/span><a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/conta-digital-o-que-e-e-como-funciona\/\"><span style=\"font-weight: 400;\">contas digitais<\/span><\/a><span style=\"font-weight: 400;\">!<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ent\u00e3o vamos l\u00e1:<\/span> <span style=\"font-weight: 400;\">conta digital \u00e9 uma <\/span><a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/tipos-de-conta-bancaria\/\"><span style=\"font-weight: 400;\">conta banc\u00e1ria<\/span> <\/a><span style=\"font-weight: 400;\">comum<\/span><span style=\"font-weight: 400;\">. Bem como, quem tem uma pode <\/span><span style=\"font-weight: 400;\">fazer transfer\u00eancias, pagar boletos, acompanhar o saldo e <\/span><span style=\"font-weight: 400;\">o <\/span><span style=\"font-weight: 400;\">extrato<\/span><span style=\"font-weight: 400;\">, al\u00e9m de <\/span><span style=\"font-weight: 400;\">todas as transa\u00e7\u00f5es que voc\u00ea conhece. Al\u00e9m disso, o melhor de tudo,<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><span style=\"font-weight: 400;\">de forma 100% online!<\/span><\/p>\n<p><span style=\"font-weight: 400;\">O principal objetivo da conta digital \u00e9 descomplicar a vida financeira dos clientes e diminuir a burocracia que muitas vezes encontramos em contas tradicionais. Em resumo, s\u00f3 para <\/span><span style=\"font-weight: 400;\">voc\u00ea ter uma ideia da praticidade<\/span><span style=\"font-weight: 400;\">, <\/span><span style=\"font-weight: 400;\">\u00e9<\/span> <span style=\"font-weight: 400;\">po<\/span><span style=\"font-weight: 400;\">ss\u00edvel<\/span> <span style=\"font-weight: 400;\">abrir e fechar a conta <\/span><span style=\"font-weight: 400;\">digital <\/span><span style=\"font-weight: 400;\">pela internet.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Assim, n\u00e3o \u00e9 necess\u00e1rio ir at\u00e9 a ag\u00eancia do seu banco para resolver qualquer problema. Desse modo, basta acessar o aplicativo e procurar a informa\u00e7\u00e3o que voc\u00ea deseja.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Legal, n\u00e9?<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Orcamento_pessoal_9_itens_essenciais\"><\/span><b>Or\u00e7amento pessoal: 9 itens essenciais<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-5794\" src=\"https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2022\/11\/image20.jpg\" alt=\"Or\u00e7amento pessoal\" width=\"800\" height=\"530\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Uma das formas <\/span><span style=\"font-weight: 400;\">mais eficientes <\/span><span style=\"font-weight: 400;\">de <\/span><span style=\"font-weight: 400;\">melhorar<\/span><span style=\"font-weight: 400;\"> a rela\u00e7\u00e3o com o pr\u00f3prio dinheiro, evitar d\u00edvidas e conseguir economizar \u00e9 montar seu pr\u00f3prio <\/span><a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/9-coisas-que-todo-orcamento-deve-ter-para-dar-certo\/\"><span style=\"font-weight: 400;\">or\u00e7amento<\/span><\/a> <a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/9-coisas-que-todo-orcamento-deve-ter-para-dar-certo\/\"><span style=\"font-weight: 400;\">pessoal<\/span><\/a><span style=\"font-weight: 400;\">. Em resumo, se voc\u00ea nunca fez um ou quer entender como montar o seu da melhor forma, confira 9 <\/span><span style=\"font-weight: 400;\">maneiras de fazer seu<\/span> <span style=\"font-weight: 400;\">or\u00e7amento<\/span><span style=\"font-weight: 400;\"> funcionar<\/span><span style=\"font-weight: 400;\">:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">1.<\/span><span style=\"font-weight: 400;\">Fa\u00e7a uma lista de gastos que reflitam suas despesas;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">2.<\/span><span style=\"font-weight: 400;\">Saiba quanto voc\u00ea ganha de dinheiro por m\u00eas;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">3.Crie<\/span> <span style=\"font-weight: 400;\">uma categoria para gastos n\u00e3o t\u00e3o frequentes;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">4.<\/span><span style=\"font-weight: 400;\">Adicione um espa\u00e7o para falar de economia;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">5.<\/span><span style=\"font-weight: 400;\">Defina e escreva metas financeiras;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">6.<\/span><span style=\"font-weight: 400;\">Sempre revise<\/span> <span style=\"font-weight: 400;\">seu or\u00e7amento;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">7.Lance no or\u00e7amento <\/span><span style=\"font-weight: 400;\">as compras feitas com dinheiro<\/span><span style=\"font-weight: 400;\">.;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">8.<\/span><span style=\"font-weight: 400;\">Saiba exatamente quais s\u00e3o<\/span> <span style=\"font-weight: 400;\">seus gastos mensais;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">9.<\/span><span style=\"font-weight: 400;\">Veja o or\u00e7amento como algo legal.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Como_fazer_uma_reserva_de_emergencia\"><\/span><b>Como fazer uma reserva de emerg\u00eancia<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-5810\" src=\"https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2022\/11\/image36.jpg\" alt=\"Reserva de emerg\u00eancia\" width=\"800\" height=\"530\" \/><\/p>\n<p><span style=\"font-weight: 400;\">A <\/span><a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/reserva-de-emergencia\/\"><span style=\"font-weight: 400;\">reserva de emerg\u00eancia<\/span> <\/a><span style=\"font-weight: 400;\">\u00e9 aquele dinheirinho guardado para momentos de imprevisto<\/span><span style=\"font-weight: 400;\">, <\/span><span style=\"font-weight: 400;\">que podem bagun\u00e7ar seu or\u00e7amento se voc\u00ea n\u00e3o estiver preparado.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Em novembro, <\/span><span style=\"font-weight: 400;\">mostr<\/span><span style=\"font-weight: 400;\">amos como montar uma reserva de emerg\u00eancia<\/span> <span style=\"font-weight: 400;\">para <\/span><span style=\"font-weight: 400;\">manter a sa\u00fade financeira em dia. Confira!<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Conhe\u00e7a seus gastos;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Abaste\u00e7a sua reserva no come\u00e7o do m\u00eas;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tenha uma<\/span> <a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/renda-extra\/\"><span style=\"font-weight: 400;\">renda extra<\/span><\/a><span style=\"font-weight: 400;\">;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Evite<\/span> <a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/gastos-desnecessarios\/\"><span style=\"font-weight: 400;\">compras por impulso<\/span><\/a><span style=\"font-weight: 400;\">;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tenha disciplina.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Black_Friday_2022\"><\/span><b>Black Friday 2022<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-5815\" src=\"https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2022\/11\/image41.jpg\" alt=\"Black Friday\" width=\"800\" height=\"530\" srcset=\"https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2022\/11\/image41.jpg 800w, https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2022\/11\/image41-300x199.jpg 300w, https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2022\/11\/image41-768x509.jpg 768w, https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2022\/11\/image41-150x99.jpg 150w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Novembro foi o m\u00eas da t\u00e3o esperada <\/span><a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/black-friday-2022-20-dicas-para-economizar\/\"><span style=\"font-weight: 400;\">Black Friday 2022<\/span><\/a><span style=\"font-weight: 400;\">! Ocasionalmente, perdeu alguma dica sobre o assunto? Assim sendo, relax<\/span><span style=\"font-weight: 400;\">e<\/span><span style=\"font-weight: 400;\">! Veja a seguir o resumo que preparamos com os principais temas!<\/span><\/p>\n<p><a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/como-aproveitar-a-black-friday-sem-se-endividar\/\"><span style=\"font-weight: 400;\">Como evitar fraudes na Black Friday<\/span><\/a><\/p>\n<p><span style=\"font-weight: 400;\">A <\/span><a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/como-aproveitar-a-black-friday-sem-se-endividar\/\"><span style=\"font-weight: 400;\">Black Friday<\/span> <\/a><span style=\"font-weight: 400;\">\u00e9 uma grande oportunidade para que consumidores de todo o Brasil possam comprar produtos e servi\u00e7os com grandes descontos. Al\u00e9m disso, \u00e9 preciso ter muito cuidado para n\u00e3o cair em <\/span><a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/golpes-financeiros-saiba-como-evitar-problemas\/\"><span style=\"font-weight: 400;\">golpes<\/span> <\/a><span style=\"font-weight: 400;\">e fraudes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Por isso, separamos algumas dicas para a Black Friday 2022. Veja a seguir:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Desconfie de pre\u00e7os muito baixos na internet;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Compre apenas em sites seguros;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Monitore seus dados durante a Black Friday;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Verifique a reputa\u00e7\u00e3o do site ou da loja;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fique atento aos aplicativos;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Denuncie os golpistas.<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Dicas_para_economizar_na_Black_Friday\"><\/span><strong>Dicas para economizar na Black Friday<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Em novembro, tamb\u00e9m aprendemos as principais dicas para economizar nas compras e aproveitar as ofertas da Black Friday:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fa<\/span><span style=\"font-weight: 400;\">zer<\/span> <span style=\"font-weight: 400;\">uma lista;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Estabelecer<\/span> <span style=\"font-weight: 400;\">uma meta de gastos;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Compar<\/span><span style=\"font-weight: 400;\">ar<\/span> <span style=\"font-weight: 400;\">os pre\u00e7os entre as lojas;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tenha<\/span> <span style=\"font-weight: 400;\">cuidado com produtos muito baratos;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Conhecer<\/span> <span style=\"font-weight: 400;\">o produto que voc\u00ea vai comprar;<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ficar atento<\/span> <span style=\"font-weight: 400;\">aos detalhes da compra de celulares;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Us<\/span><span style=\"font-weight: 400;\">ar<\/span> <span style=\"font-weight: 400;\">cupons de desconto;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fi<\/span><span style=\"font-weight: 400;\">car<\/span> <span style=\"font-weight: 400;\">de olho nas redes sociais;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Conf<\/span><span style=\"font-weight: 400;\">erir<\/span> <span style=\"font-weight: 400;\">o que outras pessoas est\u00e3o falando;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Antecip<\/span><span style=\"font-weight: 400;\">ar<\/span><span style=\"font-weight: 400;\">e<\/span> <span style=\"font-weight: 400;\">as<\/span> <a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/como-economizar-nas-compras-de-natal\/\"><span style=\"font-weight: 400;\">compras de Natal<\/span><\/a><span style=\"font-weight: 400;\">;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tom<\/span><span style=\"font-weight: 400;\">ar<\/span> <span style=\"font-weight: 400;\">cuidado com venda casada;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">C<\/span><span style=\"font-weight: 400;\">alcular<\/span> <span style=\"font-weight: 400;\">o frete antes de comprar;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fa<\/span><span style=\"font-weight: 400;\">zer<\/span> <span style=\"font-weight: 400;\">as compras de madrugada;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Evitar<\/span> <span style=\"font-weight: 400;\">o parcelamento;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Sempre pe<\/span><span style=\"font-weight: 400;\">dir<\/span> <span style=\"font-weight: 400;\">a nota fiscal;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ter c<\/span><span style=\"font-weight: 400;\">uidado<\/span> <span style=\"font-weight: 400;\">ao usar <\/span><span style=\"font-weight: 400;\">o cart\u00e3o de cr\u00e9dito;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tir<\/span><span style=\"font-weight: 400;\">ar<\/span> <span style=\"font-weight: 400;\">prints;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">N\u00e3o se esque<\/span><span style=\"font-weight: 400;\">cer<\/span> <span style=\"font-weight: 400;\">do cashback;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pesquis<\/span><span style=\"font-weight: 400;\">ar<\/span> <span style=\"font-weight: 400;\">sobre pol\u00edticas de troca e devolu\u00e7\u00e3o;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Evit<\/span><span style=\"font-weight: 400;\">ar<\/span> <span style=\"font-weight: 400;\">agir por impulso.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Tudo_sobre_o_decimo_terceiro\"><\/span><b>Tudo sobre o d\u00e9cimo terceiro<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-5813\" src=\"https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2022\/11\/image39.jpg\" alt=\"D\u00e9cimo terceiro\" width=\"800\" height=\"530\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Al\u00e9m da Black Friday, o m\u00eas de novembro tamb\u00e9m traz outra data importante no calend\u00e1rio: o pagamento da primeira parcela do <\/span><a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/decimo-terceiro-2022\/\"><span style=\"font-weight: 400;\">d\u00e9cimo terceiro<\/span><\/a><span style=\"font-weight: 400;\">!<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Muito utilizado para pagar contas, comprar os <\/span><a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/como-economizar-nas-compras-de-natal\/\"><span style=\"font-weight: 400;\">presentes de Natal<\/span> <\/a><span style=\"font-weight: 400;\">ou <\/span><a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/como-quitar-dividas-8-dicas-para-sair-do-vermelho\/\"><span style=\"font-weight: 400;\">quitar<\/span><\/a> <a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/como-quitar-dividas-8-dicas-para-sair-do-vermelho\/\"><span style=\"font-weight: 400;\">d\u00edvidas<\/span><\/a><span style=\"font-weight: 400;\">, o d\u00e9cimo terceiro \u00e9 uma quantia valiosa que os trabalhadores de carteira assinada recebem.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00c9 a primeira vez que voc\u00ea vai receber o d\u00e9cimo terceiro ou n\u00e3o sabe muito bem como ele funciona? Ent\u00e3o, veja o que aprendemos no resumo do m\u00eas sobre o tema!<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Quando_sai_a_primeira_parcela_do_13o\"><\/span><strong>Quando sai a primeira parcela do 13\u00ba?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">As empresas precisam pagar a primeira parcela at\u00e9 o dia 30 de novembro. Assim sendo, essa \u00e9 a data em que \u00e9 mais comum cair o pagamento.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Como_calcular_o_decimo_terceiro\"><\/span><strong>Como calcular o d\u00e9cimo terceiro?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Uma das d\u00favidas mais comuns de quem vai receber esse b\u00f4nus \u00e9 como <\/span><a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/como-calcular-o-decimo-terceiro\/\"><span style=\"font-weight: 400;\">calcular o d\u00e9cimo terceiro<\/span><\/a><span style=\"font-weight: 400;\">. Antes de mais nada, \u00e9 preciso saber duas coisas: o tempo trabalhado durante o ano e o valor do seu sal\u00e1rio atual.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Vamos a um exemplo pr\u00e1tico? Em primeiro lugar, digamos que uma pessoa que ganha R$ 2.500 por m\u00eas trabalhou durante o ano inteiro de 2022 na mesma empresa. Para fazer o c\u00e1lculo, \u00e9 preciso dividir esse valor por 12, ou seja, o n\u00famero de meses trabalhados.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">O resultado \u00e9 R$ 208,34. Em seguida, \u00e9 s\u00f3 multiplicar essa quantia por 12. Isto \u00e9, o valor do d\u00e9cimo terceiro a ser recebido \u00e9 o mesmo do sal\u00e1rio atual: R$ 2.500.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Agora, seguindo o mesmo exemplo, mas considerando uma pessoa que trabalhou durante seis meses no ano de 2022: dividindo o sal\u00e1rio por 12, o resultado \u00e9 igual o anterior, R$ 208,34.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Por\u00e9m, <\/span><span style=\"font-weight: 400;\">em vez<\/span> <span style=\"font-weight: 400;\">de multiplicar por 12, voc\u00ea vai multiplicar por 6, que \u00e9 o n\u00famero de meses em que trabalhou naquela empresa durante o ano. O resultado \u00e9 R$ 1.250,04.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ou seja, esse \u00e9 o valor que voc\u00ea vai receber de d\u00e9cimo terceiro <\/span><span style=\"font-weight: 400;\">proporcional ao tempo trabalhado<\/span><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Como_usar_o_decimo_terceiro_para_limpar_o_nome\"><\/span><strong>Como usar o d\u00e9cimo terceiro para limpar o nome<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Como vimos, uma das formas de usar o <\/span><a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/o-que-e-o-13o-salario\/\"><span style=\"font-weight: 400;\">d\u00e9cimo terceiro<\/span> <\/a><span style=\"font-weight: 400;\">\u00e9 quitando as d\u00edvidas e <\/span><a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/quanto-tempo-leva-para-limpar-o-nome\/\"><span style=\"font-weight: 400;\">limpando o nome<\/span><\/a><span style=\"font-weight: 400;\">. Afinal, o fim de ano \u00e9 recheado de festas, presentes, pagamento de contas, e tudo isso pode fazer voc\u00ea ficar um pouquinho mais apertado que o normal.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Por isso, separamos as melhores dicas para v<\/span><span style=\"font-weight: 400;\">o<\/span><span style=\"font-weight: 400;\">c\u00ea usar essa quantia com responsabilidade e limpar o seu nome. Confira!<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fique em dia com as contas;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Control<\/span><span style=\"font-weight: 400;\">e<\/span> <span style=\"font-weight: 400;\">suas contas;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Guarde dinheiro para as<\/span> <a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/veja-como-organizar-as-contas-de-inicio-de-ano\/\"><span style=\"font-weight: 400;\">despesas de in\u00edcio de ano<\/span><\/a><span style=\"font-weight: 400;\">;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Saiba com o que gastar;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Comece uma<\/span> <a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/reserva-de-emergencia\/\"><span style=\"font-weight: 400;\">reserva de emerg\u00eancia<\/span><\/a><span style=\"font-weight: 400;\">;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Invista nos seus objetivos;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Aprenda mais sobre<\/span> <a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/educacao-financeira\/\"><span style=\"font-weight: 400;\">sa\u00fade financeira<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"21_dicas_para_economizar_no_supermercado\"><\/span><b>21 dicas para economizar no supermercado<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-5805\" src=\"https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2022\/11\/image31.jpg\" alt=\"Economizar no mercado\" width=\"800\" height=\"530\" srcset=\"https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2022\/11\/image31.jpg 800w, https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2022\/11\/image31-300x199.jpg 300w, https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2022\/11\/image31-768x509.jpg 768w, https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2022\/11\/image31-150x99.jpg 150w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">O Dia do Supermercado \u00e9 celebrado <\/span><span style=\"font-weight: 400;\">Dia <\/span><span style=\"font-weight: 400;\">em <\/span><span style=\"font-weight: 400;\">12 de novembro<\/span><span style=\"font-weight: 400;\">. E<\/span> <span style=\"font-weight: 400;\">\u00e9 claro que <\/span><span style=\"font-weight: 400;\">n\u00f3s <\/span><span style=\"font-weight: 400;\">n\u00e3o poder\u00edamos <\/span><span style=\"font-weight: 400;\">deixar <\/span><span style=\"font-weight: 400;\">passar <\/span><span style=\"font-weight: 400;\">essa data <\/span><span style=\"font-weight: 400;\">passar <\/span><span style=\"font-weight: 400;\">em branco, n\u00e3o \u00e9 mesmo?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">No Eu Dou Conta de 2022, vimos <\/span><a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/dicas-para-economizar-no-supermercado\/\"><span style=\"font-weight: 400;\">21 dicas para economizar nas compras<\/span><\/a><span style=\"font-weight: 400;\">. S<\/span><span style=\"font-weight: 400;\">e voc\u00ea perdeu alguma delas, a gente relembra agora:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">1. <\/span><span style=\"font-weight: 400;\">Fa\u00e7a uma lista de tudo o que voc\u00ea vai precisar;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">2. <\/span><span style=\"font-weight: 400;\">Defina uma meta de or\u00e7amento;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">3. <\/span><span style=\"font-weight: 400;\">Monte um card\u00e1pio para a semana;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">4. Acompanhe as promo\u00e7\u00f5es e pesquise pre\u00e7os e marcas;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">5. N\u00e3o fa\u00e7a compras quando estiver com fome ou pressa;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">6. <\/span><span style=\"font-weight: 400;\">Escolha o melhor dia e hor\u00e1rio;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">7. <\/span><span style=\"font-weight: 400;\">Evite levar crian\u00e7as para o supermercado;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">8. <\/span><span style=\"font-weight: 400;\">Evite fazer compras mensais;<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">9. <\/span><span style=\"font-weight: 400;\">Reduza os alimentos prontos;<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">10. Prefira os alimentos da esta\u00e7\u00e3o;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">11. Evite as se\u00e7\u00f5es de produtos que voc\u00ea n\u00e3o precisa comprar;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">12. N\u00e3o adicione nada ao seu carrinho pr\u00f3ximo ao caixa;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">13. Fique atento aos grandes descontos;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">14. Quando poss\u00edvel, opte por marcas gen\u00e9ricas;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">15. Economize fazendo compras em atacado;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">16. Opte por vers\u00f5es concentradas;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">17. Procure embalagens do tipo refil;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">18. Conhe\u00e7a os programas de fidelidade e cart\u00f5es de desconto;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">19. Tenha foco;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">20. Revise o cupom fiscal das suas compras;<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/p>\n<p><span style=\"font-weight: 400;\">21. Anote todos os gastos para economizar mais na pr\u00f3xima vez.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Tudo_sobre_programa_de_afiliados\"><\/span><b>Tudo sobre programa de afiliados<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-5814\" src=\"https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2022\/11\/image40.jpg\" alt=\"Programa de afiliados\" width=\"800\" height=\"530\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Por fim, para concluir nosso resumo do Eu Dou Conta de 2022 de novembro, vamos falar sobre <\/span><a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/programa-de-afiliados-aprenda-a-ganhar-uma-renda-extra\/\"><span style=\"font-weight: 400;\">programa de afiliados<\/span><\/a><span style=\"font-weight: 400;\">, uma estrat\u00e9gia de marketing e vendas que pode ajudar <\/span><span style=\"font-weight: 400;\">voc\u00ea <\/span><span style=\"font-weight: 400;\">a ganhar uma renda extra e muito mais!<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Quais_sao_as_vantagens_dos_programas_de_afiliados\"><\/span><strong>Quais s\u00e3o as vantagens dos programas de afiliados?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">O<\/span> <span style=\"font-weight: 400;\">principal benef\u00edcio de participar de um <\/span><a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/programa-de-afiliados\/\"><span style=\"font-weight: 400;\">programa de<\/span><\/a> <a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/programa-de-afiliados\/\"><span style=\"font-weight: 400;\">afiliados<\/span> <\/a><span style=\"font-weight: 400;\">\u00e9 a oportunidade de ganhar dinheiro na internet de forma independente e pr\u00e1tica. Al\u00e9m disso, trabalhar como afiliado <\/span><span style=\"font-weight: 400;\">traz <\/span><span style=\"font-weight: 400;\">outras <\/span><a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/o-que-e-programa-de-afiliados\/\"><span style=\"font-weight: 400;\">vantagens<\/span><\/a><span style=\"font-weight: 400;\">:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">N\u00e3o \u00e9 preciso ter um investimento inicial;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u00c9 poss\u00edvel trabalhar sem ter um produto pr\u00f3prio;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Voc\u00ea consegue ser seu pr\u00f3prio patr\u00e3o;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ter v\u00e1rias op\u00e7\u00f5es de divulga\u00e7\u00e3o;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">N\u00e3o precisa lidar diretamente com o consumidor;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">N\u00e3o \u00e9 preciso ter um site ou muito conhecimento t\u00e9cnico;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u00c9 poss\u00edvel escolher a margem de lucro<\/span> <span style=\"font-weight: 400;\">com a qual <\/span><span style=\"font-weight: 400;\">quer trabalhar;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Voc\u00ea c<\/span><span style=\"font-weight: 400;\">ontrola totalmente suas indica\u00e7\u00f5es (vendas);<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">O pagamento das comiss\u00f5es pela plataforma em que est\u00e1 cadastrado \u00e9<\/span> <span style=\"font-weight: 400;\">g<\/span><span style=\"font-weight: 400;\">aranti<\/span><span style=\"font-weight: 400;\">do<\/span><span style=\"font-weight: 400;\">;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">O neg\u00f3cio pode ser <\/span><span style=\"font-weight: 400;\">amplia<\/span><span style=\"font-weight: 400;\">do <\/span><span style=\"font-weight: 400;\">no futuro.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Quais_sao_os_melhores_programas_de_afiliados\"><\/span><strong>Quais s\u00e3o os melhores programas de afiliados?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">A<\/span><span style=\"font-weight: 400;\">tualmente<\/span><span style=\"font-weight: 400;\">, <\/span><span style=\"font-weight: 400;\">muitas empresas oferecem bons programas de afiliados com muitas vantagens para quem quer participar. A seguir, veja a lista <\/span><span style=\"font-weight: 400;\">d<\/span><span style=\"font-weight: 400;\">os <\/span><a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/programa-de-afiliados\/\"><span style=\"font-weight: 400;\">melhores programas de afiliados do mercado<\/span><\/a><span style=\"font-weight: 400;\">:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/forms.office.com\/pages\/responsepage.aspx?id=x9euN38JgkmvXHbw0ylH28p0d7hC-1RBuiUzf5-MMVZUMk1IWlpROVVNM1pXTVU3TDhWRDRZSkxUUC4u\"><span style=\"font-weight: 400;\">Clickers<\/span><\/a><span style=\"font-weight: 400;\">: o programa de afiliados da<\/span> <a href=\"https:\/\/www.tenda.com\/\"><span style=\"font-weight: 400;\">Construtora Tenda<\/span><\/a><span style=\"font-weight: 400;\">;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/shopee.com.br\/m\/afiliados\"><span style=\"font-weight: 400;\">Programa de afiliados da Shopee<\/span><\/a><span style=\"font-weight: 400;\">;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/associados.amazon.com.br\/\"><span style=\"font-weight: 400;\">Associados Amazon<\/span><\/a><span style=\"font-weight: 400;\">;<\/span><\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/hotmart.com\/\"><span style=\"font-weight: 400;\">Programa de afiliados da Hotmart<\/span><\/a><span style=\"font-weight: 400;\">;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.lomadee.com\/pt_br\/afiliados\/\"><span style=\"font-weight: 400;\">Programa de afiliados da Lomadee<\/span><\/a><span style=\"font-weight: 400;\">;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.parceiromagalu.com.br\/divulgador\" class=\"broken_link\" rel=\"nofollow\"><span style=\"font-weight: 400;\">Parceiro Magalu<\/span><\/a><span style=\"font-weight: 400;\">;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.hostinger.com.br\/\"><span style=\"font-weight: 400;\">Programa de afiliados da Hostinger<\/span><\/a><span style=\"font-weight: 400;\">;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.awin.com\/br\/afiliados\"><span style=\"font-weight: 400;\">Programa de afiliados da Awin<\/span><\/a><span style=\"font-weight: 400;\">;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.nuvemshop.com.br\/associados\"><span style=\"font-weight: 400;\">NuvemShop Associados<\/span><\/a><span style=\"font-weight: 400;\">;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/minhacea.cea.com.br\/\"><span style=\"font-weight: 400;\">Minha C&amp;A<\/span><\/a><span style=\"font-weight: 400;\">;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.quemdisseberenice.com.br\/chega-mais-seja-afiliado\" class=\"broken_link\" rel=\"nofollow\"><span style=\"font-weight: 400;\">Chega +<\/span> <\/a><span style=\"font-weight: 400;\">(Quem disse, Berenice?);<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/uolhost.uol.com.br\/afiliados-uol-host#rmcl\"><span style=\"font-weight: 400;\">Programa de afiliados da UOL<\/span><\/a><span style=\"font-weight: 400;\">;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.netshoes.com.br\/especial\/afiliados?af_sub1=43984&amp;pid=rakuten_int&amp;af_channel=Affiliates&amp;af_media_type=web&amp;af_adset_id=43984&amp;af_sub_siteID=rIYiY17Kkk4-QGg1MpA4Xo4IwVJdfxuj8Q&amp;af_click_lookback=7d&amp;clickid=rIYiY17Kkk4-QGg1MpA4Xo4IwVJdfxuj8Q&amp;is_retargeting=true&amp;utm_source=me-s_pgit__&amp;utm_medium=post&amp;utm_campaign=me-s_pgit-_-tnfild__tca___-_-post-_-_var_me_pgit_%3A%3AN3T%3AAF-PG-00-00-00-TD-00-MAS-00%3AN3T%3A%3A_BuscaCupom_&amp;utm_term=3662756&amp;utm_content=rIYiY17Kkk4-QGg1MpA4Xo4IwVJdfxuj8Q&amp;ranMID=43984&amp;ranU1&amp;ranEAID=rIYiY17Kkk4&amp;ranSiteID=rIYiY17Kkk4-QGg1MpA4Xo4IwVJdfxuj8Q\" class=\"broken_link\" rel=\"nofollow\"><span style=\"font-weight: 400;\">Programa de afiliados da Netshoes<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Como_ganhar_dinheiro_com_programa_de_afiliados\"><\/span><strong>Como ganhar dinheiro com programa de afiliados<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">O<\/span> <span style=\"font-weight: 400;\">programa de afiliados \u00e9 uma grande oportunidade n\u00e3o apenas para ganhar uma renda extra, mas, tamb\u00e9m, para ter mais tranquilidade em situa\u00e7\u00f5es de emerg\u00eancia, <\/span><a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/como-negociar-dividas\/\"><span style=\"font-weight: 400;\">quitar d\u00edvidas<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/9-coisas-que-todo-orcamento-deve-ter-para-dar-certo\/\"><span style=\"font-weight: 400;\">organiza<\/span><span style=\"font-weight: 400;\">r sua vida<\/span><\/a> <a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/9-coisas-que-todo-orcamento-deve-ter-para-dar-certo\/\"><span style=\"font-weight: 400;\">financeira<\/span> <\/a><span style=\"font-weight: 400;\">de forma <\/span><span style=\"font-weight: 400;\">eficiente, realizar sonhos e at\u00e9 mesmo descobrir um novo hobby. Legal, n\u00e9?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Portanto, para ter <\/span><a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/programa-de-afiliados-aprenda-a-ganhar-uma-renda-extra\/\"><span style=\"font-weight: 400;\">sucesso com o programa de afiliados<\/span><\/a><span style=\"font-weight: 400;\">, tudo vai depender das estrat\u00e9gias que voc\u00ea usar. Saiba mais:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Foque em uma \u00e1rea de atua\u00e7\u00e3o;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Prefira trabalhar com produtos que tenham potencial de vendas;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Analise as comiss\u00f5es;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Estude sobre o mercado de atua\u00e7\u00e3o;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tenha disciplina;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Treine<\/span> <span style=\"font-weight: 400;\">sua comunica\u00e7\u00e3o;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Analise o resultado das vendas;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">N\u00e3o desista.<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Conheca_o_Clickers\"><\/span><strong>Conhe\u00e7a o Clickers<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">J\u00e1 pensou em ganhar uma renda extra ajudando pessoas a realizar<\/span> <span style=\"font-weight: 400;\">o sonho da casa pr\u00f3pria? \u00c9 essa a ideia do <\/span><a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/clickers-programa-de-afiliados\/\"><span style=\"font-weight: 400;\">Clickers<\/span><\/a><span style=\"font-weight: 400;\">, o programa de afiliados da <\/span><a href=\"https:\/\/www.tenda.com\/sobre-a-tenda\"><span style=\"font-weight: 400;\">Construtora<\/span><\/a> <a href=\"https:\/\/www.tenda.com\/sobre-a-tenda\"><span style=\"font-weight: 400;\">Tenda<\/span><\/a><span style=\"font-weight: 400;\">!<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Funciona assim: voc\u00ea divulga e indica nossos apartamentos para pessoas que querem comprar um im\u00f3vel. Quando uma dessas pessoas que voc\u00ea indicou comprar um im\u00f3vel Tenda, voc\u00ea recebe uma premia\u00e7\u00e3o. Em resumo, voc\u00ea indica, a gente vende e voc\u00ea ganha!<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Para se tornar um Clicker, <\/span><span style=\"font-weight: 400;\">basta<\/span> <span style=\"font-weight: 400;\">fazer seu cadastro. Depois, \u00e9 <\/span><span style=\"font-weight: 400;\">s\u00f3<\/span><span style=\"font-weight: 400;\"> aguardar a confirma\u00e7\u00e3o, as instru\u00e7\u00f5es e os materiais de divulga\u00e7\u00e3o. <\/span><a href=\"https:\/\/forms.office.com\/r\/wVvRHxhGMH\"><span style=\"font-weight: 400;\">Clique aqui e<\/span><\/a> <a href=\"https:\/\/forms.office.com\/r\/wVvRHxhGMH\"><span style=\"font-weight: 400;\">fa\u00e7a sua inscri\u00e7\u00e3o<\/span><\/a><span style=\"font-weight: 400;\">! \u00c9 muito <\/span><span style=\"font-weight: 400;\">f\u00e1cil<\/span><span style=\"font-weight: 400;\"> e voc\u00ea n\u00e3o paga nada por isso.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Viu s\u00f3 como \u00e9<\/span> <span style=\"font-weight: 400;\">participar? <\/span><span style=\"font-weight: 400;\">Ent\u00e3o,<\/span> <span style=\"font-weight: 400;\">inscrev<\/span><span style=\"font-weight: 400;\">a-se agora mesmo para ser<\/span> <span style=\"font-weight: 400;\">afiliado no Clickers<\/span><span style=\"font-weight: 400;\"> e prepare-se<\/span> <span style=\"font-weight: 400;\">para ganhar<\/span><span style=\"font-weight: 400;\">!<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Eu_Dou_Conta_de_2022_chegamos_em_dezembro\"><\/span>Eu Dou Conta de 2022: chegamos em dezembro!<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">O ano de 2022 passou voando, n\u00e9? J\u00e1 estamos chegando <\/span><span style=\"font-weight: 400;\">a<\/span><span style=\"font-weight: 400;\">o m\u00eas de dezembro! Enquanto isso, continue acompanhando as dicas do <\/span><a href=\"https:\/\/www.instagram.com\/construtoratenda\/\"><span style=\"font-weight: 400;\">Eu Dou Conta de 2022<\/span><\/a><span style=\"font-weight: 400;\">. At\u00e9 a pr\u00f3xima!<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Come\u00e7amos oficialmente a contagem regressiva para o fim do ano de 2022! Portanto, enquanto ele n\u00e3o chega, [&#8230;]<\/p>\n","protected":false},"author":40,"featured_media":25807,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[39],"tags":[651,628,631,641,624,632,671,66,625,669,677,637],"class_list":["post-27521","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-eu-dou-conta","tag-autonomo","tag-cartao-de-credito","tag-cheque-especial","tag-conta-digital","tag-dividas","tag-emprestimo","tag-eu-dou-conta-de-2022","tag-financiamento","tag-limpar-nome","tag-orcamento","tag-programa-de-afiliados","tag-reserva-de-emergencia"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Eu Dou Conta de 2022: dicas de novembro | Blog da Tenda<\/title>\n<meta name=\"robots\" content=\"index,follow\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/eu-dou-conta-de-2022-dicas-de-novembro\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/ConstrutoraTenda\/\" \/>\n<meta property=\"article:published_time\" content=\"2022-11-30T14:00:02+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-04-28T20:07:54+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2022\/11\/Resumo-de-novembro.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1904\" \/>\n\t<meta property=\"og:image:height\" content=\"400\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Blog da Tenda\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Blog da Tenda\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. tempo de leitura\" \/>\n\t<meta name=\"twitter:data2\" content=\"22 minutos\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Eu Dou Conta de 2022: dicas de novembro | Blog da Tenda","robots":{"index,follow":"index,follow"},"og_locale":"pt_BR","og_url":"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/eu-dou-conta-de-2022-dicas-de-novembro","article_publisher":"https:\/\/www.facebook.com\/ConstrutoraTenda\/","article_published_time":"2022-11-30T14:00:02+00:00","article_modified_time":"2025-04-28T20:07:54+00:00","og_image":[{"width":1904,"height":400,"url":"https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2022\/11\/Resumo-de-novembro.jpg","type":"image\/jpeg"}],"author":"Blog da Tenda","twitter_misc":{"Escrito por":"Blog da Tenda","Est. tempo de leitura":"22 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/eu-dou-conta-de-2022-dicas-de-novembro#article","isPartOf":{"@id":"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/eu-dou-conta-de-2022-dicas-de-novembro"},"author":{"name":"Blog da Tenda","@id":"https:\/\/www.tenda.com\/blog\/#\/schema\/person\/401cec400e9a62cb00a064018dfd8dec"},"headline":"Eu Dou Conta de 2022: Dicas de Novembro","datePublished":"2022-11-30T14:00:02+00:00","dateModified":"2025-04-28T20:07:54+00:00","mainEntityOfPage":{"@id":"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/eu-dou-conta-de-2022-dicas-de-novembro"},"wordCount":3753,"commentCount":0,"publisher":{"@id":"https:\/\/www.tenda.com\/blog\/#organization"},"image":{"@id":"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/eu-dou-conta-de-2022-dicas-de-novembro#primaryimage"},"thumbnailUrl":"https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2022\/11\/Resumo-de-novembro.jpg","keywords":["Aut\u00f4nomo","Cart\u00e3o de cr\u00e9dito","Cheque especial","Conta digital","D\u00edvidas","Empr\u00e9stimo","Eu Dou Conta de 2022","Financiamento","Limpar nome","Or\u00e7amento","Programa de afiliados","Reserva de emerg\u00eancia"],"articleSection":["Eu Dou Conta"],"inLanguage":"pt-BR","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.tenda.com\/blog\/eu-dou-conta\/eu-dou-conta-de-2022-dicas-de-novembro#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/eu-dou-conta-de-2022-dicas-de-novembro","url":"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/eu-dou-conta-de-2022-dicas-de-novembro","name":"Eu Dou Conta de 2022: dicas de novembro | Blog da Tenda","isPartOf":{"@id":"https:\/\/www.tenda.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/eu-dou-conta-de-2022-dicas-de-novembro#primaryimage"},"image":{"@id":"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/eu-dou-conta-de-2022-dicas-de-novembro#primaryimage"},"thumbnailUrl":"https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2022\/11\/Resumo-de-novembro.jpg","datePublished":"2022-11-30T14:00:02+00:00","dateModified":"2025-04-28T20:07:54+00:00","description":"O m\u00eas de novembro vai chegando ao fim, mas antes, confira o resumo do Eu Dou Conta de 2022 e tudo o que aprendemos!","breadcrumb":{"@id":"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/eu-dou-conta-de-2022-dicas-de-novembro#breadcrumb"},"inLanguage":"pt-BR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.tenda.com\/blog\/eu-dou-conta\/eu-dou-conta-de-2022-dicas-de-novembro"]}]},{"@type":"ImageObject","inLanguage":"pt-BR","@id":"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/eu-dou-conta-de-2022-dicas-de-novembro#primaryimage","url":"https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2022\/11\/Resumo-de-novembro.jpg","contentUrl":"https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2022\/11\/Resumo-de-novembro.jpg","width":1904,"height":400,"caption":"Resumo de novembro | Foto do calend\u00e1rio de novembro | Como limpar o seu nome | Eu Dou Conta"},{"@type":"BreadcrumbList","@id":"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/eu-dou-conta-de-2022-dicas-de-novembro#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"In\u00edcio","item":"https:\/\/www.tenda.com\/blog\/"},{"@type":"ListItem","position":2,"name":"Eu Dou Conta de 2022: Dicas de Novembro"}]},{"@type":"WebSite","@id":"https:\/\/www.tenda.com\/blog\/#website","url":"https:\/\/www.tenda.com\/blog\/","name":"Blog da Tenda","description":"Blog","publisher":{"@id":"https:\/\/www.tenda.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.tenda.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"pt-BR"},{"@type":"Organization","@id":"https:\/\/www.tenda.com\/blog\/#organization","name":"Construtora Tenda","url":"https:\/\/www.tenda.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"pt-BR","@id":"https:\/\/www.tenda.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2020\/09\/logo-tenda_RGB_vermelho.png","contentUrl":"https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2020\/09\/logo-tenda_RGB_vermelho.png","width":1579,"height":379,"caption":"Construtora Tenda"},"image":{"@id":"https:\/\/www.tenda.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/ConstrutoraTenda\/","https:\/\/www.instagram.com\/construtoratenda","https:\/\/br.linkedin.com\/company\/construtora-tenda","https:\/\/www.youtube.com\/user\/TendaConstrutora","https:\/\/en.wikipedia.org\/wiki\/Construtora_Tenda"]},{"@type":"Person","@id":"https:\/\/www.tenda.com\/blog\/#\/schema\/person\/401cec400e9a62cb00a064018dfd8dec","name":"Blog da Tenda","image":{"@type":"ImageObject","inLanguage":"pt-BR","@id":"https:\/\/www.tenda.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/2258a587f7dea6e05a6ed2c1e52ee9d6?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/2258a587f7dea6e05a6ed2c1e52ee9d6?s=96&d=mm&r=g","caption":"Blog da Tenda"},"url":"https:\/\/www.tenda.com\/blog\/author\/ana-luisa"}]}},"_links":{"self":[{"href":"https:\/\/www.tenda.com\/blog\/wp-json\/wp\/v2\/posts\/27521"}],"collection":[{"href":"https:\/\/www.tenda.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.tenda.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.tenda.com\/blog\/wp-json\/wp\/v2\/users\/40"}],"replies":[{"embeddable":true,"href":"https:\/\/www.tenda.com\/blog\/wp-json\/wp\/v2\/comments?post=27521"}],"version-history":[{"count":3,"href":"https:\/\/www.tenda.com\/blog\/wp-json\/wp\/v2\/posts\/27521\/revisions"}],"predecessor-version":[{"id":31192,"href":"https:\/\/www.tenda.com\/blog\/wp-json\/wp\/v2\/posts\/27521\/revisions\/31192"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.tenda.com\/blog\/wp-json\/wp\/v2\/media\/25807"}],"wp:attachment":[{"href":"https:\/\/www.tenda.com\/blog\/wp-json\/wp\/v2\/media?parent=27521"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.tenda.com\/blog\/wp-json\/wp\/v2\/categories?post=27521"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.tenda.com\/blog\/wp-json\/wp\/v2\/tags?post=27521"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}