Educação financeira e contabilidade: uma contribuição para o planejamento financeiro pessoal

Abstract

Currently, one of the counter’s functions is to contribute to the company’s management, especially with the management of financial resources, because the analysis of the financial situation, can give better target resources, contributing to the entity success. In this context, it is clear that the concepts and accounting practices can also be availed in the finance organization and financial planning of an individual. For the same analysis methods and control resources can be used in the finances of an individual. Thereby, this study sought to demonstrate the personal finances knowledge level of servers Industrial Technical College in Santa Maria, while promotes understanding of how much is needed to Accounting in personal finance management. The type of research used was descriptive. Regarding the data collection proceedings, we used the literature review and survey. As for the problem of approach, the research could be classified as quantitative, reaching their goals through the questionnaires use. With the goals achieved, it was concluded that the accounting is essential for the monitoring and financial control elaborate planning, with its auxiliary techniques such as cash flow, budget analysis through indexes extracted from the financial statements, and the concepts applicability about value of money over time, compose a information system supporting individual financial decisions, and contribute to personal financial planning. It was noticed that many of the interviewed CTISM servers are not aware that the expenses record is effective for the budget control and the financial planning, either because think this kind of control it is not necessary; not knowing how to register expenses; or forget to write them down. But most knows finances basics concepts, as compound interest and liquid assets, being capable of use the accounting practices in their financial decisions.