Gestão financeira pessoal: um estudo das práticas adotadas por servidores públicos efetivos da Prefeitura Municipal de Sousa/PB.

Abstract

Understanding how to manage personal finances is extremely important, being indispensable to the individual, the family, and society. Good financial management provides stability, balance and tranquility, not just financial. Studies such as Pontes Et Al (2017) and Lima (2016) show the lack of knowledge and practice of financial management, which can generate not only financial but also psychological and social problems. Thus, the present research aims to identify the personal financial management practices adopted by the effective municipal public servants filled at City Hall in the Municipality of Sousa / PB. Data were collected through the application of a questionnaire consisting of 20 questions on respondents' profile, planning and control of personal finances, indebtedness and delinquency, and investments. A census was attempted, with 114 questionnaires answered. For the application of the questionnaires, visits were made in 09 (nine) Municipal Secretariats, such as: Social Action, Administration, Agriculture, Sports and Leisure, Finance, Government (Cabinet), Infrastructure, Planning and Tourism and in 03 sectors Culture, Attorney's Office and the Transit Superintendency - Sttrans). It is concluded that most of the servers have an understanding of the practices related to planning and personal financial control, the servers have aspects related to low indebtedness and delinquency, compared to other researches such as the SPC Brazil and others authors that served as the basis for this work, where the great majority shows a high level of financial lack of control of individuals and families. However, they should analyze more carefully the acquisition of loans to discharge debts, as well as the use of credit lines such as credit cards and store cards, since they can cause inconvenience and compromise financial tranquility . Another important fact is to think of investing, even with the income of a minimum wage, and with the inflationary crises, it is necessary that there be a financial reserve, for eventual situations.