Finanças pessoais: uma perspectiva de trabalhadores autônomos do ramo de transporte escolar sobre o planejamento financeiro pessoal

Abstract

Financial Education is a tool to achieve better money management, which tends to encourage individuals and companies to greater financial prosperity. For such a tool to be used, it is assumed that the individual has knowledge and management of their finances, with organization, planning and control. The main objective of this article is to identify how workers in the field of school transport carry out their personal financial planning and what is the degree of understanding about personal finances, aiming to investigate the subject and show the importance of having knowledge about the basic principles of financial education. and personal budget planning and how this knowledge can improve people's quality of life. And to achieve this objective, this research was elaborated through a questionnaire with 20 questions applied to 25 workers linked to the cooperative. This article used a qualitative approach of a descriptive and applied nature as a research tool. With the result, it was verified how they organize their personal finances, making their planning, in which 62.50% separate their personal finances from those necessary to maintain operational activity, however, it was noted that 28% of respondents they do not carry out the control of the entry and exit of resources, which is a worrying fact, considering that without proper control there is no way to carry out good financial planning.