{"id":24933,"date":"2022-05-17T14:57:29","date_gmt":"2022-05-17T11:57:29","guid":{"rendered":"https:\/\/valorizei.com\/?p=24933"},"modified":"2023-01-26T19:35:45","modified_gmt":"2023-01-26T16:35:45","slug":"balanco-patrimonial-pessoal-mensal","status":"publish","type":"post","link":"https:\/\/valorizei.com\/en\/balanco-patrimonial-pessoal-mensal\/","title":{"rendered":"How to make a personal monthly balance sheet step by step?"},"content":{"rendered":"

See the step-by-step guide to making a monthly personal balance sheet<\/strong><\/p>\n\n\n\n

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Making a monthly personal balance sheet is very important to understand your true financial situation.<\/p>\n\n\n\n

Stop for a second and think: do you know exactly how big your material possessions are? <\/p>\n\n\n\n

We are not talking about your monthly salary and other sources of passive income, but rather your personal wealth, which you have acquired over the years.<\/p>\n\n\n\n

If you want to know what a personal balance sheet is, how it works, what it is for and how it can be done, keep reading. We will explain how it all works!<\/p>\n\n\n\n

\"balan\u00e7o<\/figure>\n\n\n\n

What is a monthly personal balance sheet?<\/strong><\/h2>\n\n\n\n

The balance sheet is an accounting instrument that allows a person or a company to assess their true financial situation more clearly.<\/strong><\/p>\n\n\n\n

In the business world, the balance sheet is an essential tool, as it clearly shows the company's current situation, its growth capacity, debt, profitability, etc.<\/p>\n\n\n\n

The logic is similar when you think about your personal finances.<\/p>\n\n\n\n

After all, the financial balance sheet helps you better understand the investments you have made and your debts.<\/p>\n\n\n\n

Basically, the objective is to make a survey of all assets and money available in the account.<\/p>\n\n\n\n

Assets and rights: <\/strong>financial applications, real estate as an investment, personal assets, rights to receive and shares in companies.<\/p>\n\n\n\n

Debts and obligations<\/strong>: loans, property financing or balance to be paid off, obligations and various compensations, among others.<\/p>\n\n\n\n

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How does the monthly personal balance sheet work?<\/strong><\/h2>\n\n\n\n

Before anything else, it is important for you to know that this statement can be made in a table.<\/strong><\/p>\n\n\n\n

In other words, you can use good old Excel to carry out the survey and better understand your real financial situation.<\/p>\n\n\n\n

By doing this, you will be able to see how much you have and how much you owe. The result will show whether the balance is positive or negative.<\/p>\n\n\n\n

A positive result, in turn, demonstrates that assets exceed liabilities and that accounts are well organized.<\/p>\n\n\n\n

However, if the result is negative, it means that your financial health is at risk.<\/p>\n\n\n\n

After understanding and evaluating the situation, it is possible to think of new strategies and organize finances.<\/p>\n\n\n\n

With a balance sheet, it is easier to evaluate your decisions regarding your money and whether there are changes that need to be made, both in the short and long term.<\/p>\n\n\n\n

\"indicar<\/figure>\n\n\n\n

How to make a monthly personal balance sheet?<\/strong><\/h2>\n\n\n\n

As we said, you can do this in an Excel table, <\/a>since this tool is excellent for monitoring the balance and better understanding the results.<\/p>\n\n\n\n

However, if you don't want to use it, you can make your notes and calculations manually.<\/p>\n\n\n\n

So, start by creating your table, whether it is manual or not.<\/p>\n\n\n\n

On the right side, you will list your assets, rights and money. On the left side, you will list all your debts, called liabilities.<\/strong><\/p>\n\n\n\n

List all your assets and the value of each (on the right side of the table).<\/p>\n\n\n\n

To give an example of a personal balance sheet, let's consider that a person has the following assets:<\/p>\n\n\n\n

\u2022 House: R$ 300 thousand<\/p>\n\n\n\n

\u2022 Car: R$ 50 thousand<\/p>\n\n\n\n

\u2022 Investments: R$ 20 thousand<\/p>\n\n\n\n

The sum of all your assets, in this case, would be R$ 370 thousand.<\/p>\n\n\n\n

However, you need to consider liabilities, that is, what you have not yet paid off and will have to pay in the coming months\/years. Thus, we can include, for example:<\/p>\n\n\n\n

\u2022 House: R$ 60 thousand<\/p>\n\n\n\n

\u2022 Car: R$ 10 thousand<\/p>\n\n\n\n

If your assets are financed, the amount of the remaining installments to be paid should be considered a liability, even if all payments are up to date. In the example above, the sum is R$$ 70 thousand.<\/p>\n\n\n\n

To find out your true net worth, you must subtract the value of your assets from your liabilities. In the example above, the result is R$ 300 thousand.<\/p>\n\n\n\n

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How to make a more detailed personal balance sheet?<\/strong><\/h2>\n\n\n\n

The more detailed the balance sheet, the better.<\/strong><\/p>\n\n\n\n

In fact, you can do this monthly, half-yearly or annually.<\/p>\n\n\n\n

The level of detail can be even greater if you separate your high and low liquidity assets.<\/p>\n\n\n\n

A highly liquid asset is one that allows you to withdraw money quickly, without losing value. A good example is investments in Selic Treasury.<\/a><\/p>\n\n\n\n

On the other hand, when an asset has low liquidity, it means that turning it into cash can take a little longer. This is the case with real estate, for example.<\/p>\n\n\n\n

\n\n\n\n

Creating a personal financial plan: what is it and why do it?<\/strong><\/h2>\n\n\n\n

Personal financial planning is basically a document that will help you organize your finances.<\/strong><\/p>\n\n\n\n

In other words, this way, you will be able to better manage your earnings and expenses.<\/p>\n\n\n\n

From your personal balance sheet, you will know if you need to make any changes related to your financial life.<\/p>\n\n\n\n

This could include, for example, a strategy for paying off a mortgage.<\/p>\n\n\n\n

With financial planning, it becomes easier to understand your income, debts and the actions that must be taken to achieve your goals.<\/p>\n\n\n\n

At this stage, it is also important for you to learn how to invest, so that you can increase your assets even further and maintain your purchasing power over the years.<\/p>\n\n\n\n

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How to make a personal financial plan?<\/strong><\/h2>\n\n\n\n

First of all, it is important for you to understand that financial planning helps you understand your financial situation and define your short, medium and long-term goals.<\/strong>.<\/p>\n\n\n\n

Now that you understand the importance of making a balance sheet, see how to make a personal financial plan:<\/p>\n\n\n\n

\u2022 Organize your budget<\/p>\n\n\n\n

\u2022 Adjust your routine according to this information<\/p>\n\n\n\n

\u2022 Plan to pay off your debts<\/p>\n\n\n\n

\u2022 Find ways to save more<\/p>\n\n\n\n

\u2022 Plan your goals<\/p>\n\n\n\n

\u2022 Start investing your money<\/p>\n\n\n\n

\u2022 Try to learn more about financial education<\/p>\n\n\n\n

\"vantagens<\/figure>\n\n\n\n

Conclusion<\/strong><\/h2>\n\n\n\n

The monthly personal balance sheet is extremely important to better understand your current reality and, thus, make financial planning.<\/p>\n\n\n\n

Because, by identifying and analyzing net worth, it is possible to think of strategies to increase it in the short, medium and long term.<\/p>","protected":false},"excerpt":{"rendered":"

Veja o passo a passo para fazer um balan\u00e7o patrimonial pessoal mensal Fazer o balan\u00e7o patrimonial pessoal mensal \u00e9 algo muito importante para entender a sua verdadeira situa\u00e7\u00e3o financeira. Pare por um segundo e pense: voc\u00ea sabe exatamente qual \u00e9 o tamanho dos seus bens materiais?  N\u00e3o estamos falando do seu sal\u00e1rio mensal e outras… Continue reading<\/a><\/p>","protected":false},"author":21,"featured_media":24934,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"%%title%%","_seopress_titles_desc":"Fazer o balan\u00e7o patrimonial pessoal mensal \u00e9 algo muito importante para entender a sua verdadeira situa\u00e7\u00e3o financeira. Saiba mais!","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"","_seopress_social_fb_desc":"","_seopress_social_fb_img":"","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"","_seopress_social_twitter_desc":"","_seopress_social_twitter_img":"","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"","_seopress_redirections_param":"","_seopress_redirections_type":0,"_seopress_analysis_target_kw":"balan\u00e7o patrimonial pessoal mensal","footnotes":""},"categories":[9],"tags":[],"class_list":["post-24933","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-educacao-financeira"],"_links":{"self":[{"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/posts\/24933","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/users\/21"}],"replies":[{"embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/comments?post=24933"}],"version-history":[{"count":11,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/posts\/24933\/revisions"}],"predecessor-version":[{"id":30347,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/posts\/24933\/revisions\/30347"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/media\/24934"}],"wp:attachment":[{"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/media?parent=24933"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/categories?post=24933"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/tags?post=24933"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}