10 hábitos de consumo que fazem seu dinheiro desaparecer

10 gastos que você pode cortar hoje

Foto: Envato Elementos Julho de 2026 Helena Collares

Parcelamentos sem planejamento

[{"selector":"#anim-aef4b38f-4d3d-4cac-a5c9-b86b25170332","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b20fdaf9-f6cd-412c-8b24-923aa126e1d1","keyframes":{"transform":["translate3d(-115.97444%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-579fe3f5-ef41-4853-9b97-42dd582cc8f1","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c2a30d8f-1cc9-4b7c-a7c5-7c1bcfcf1f6d","keyframes":{"transform":["translate3d(-115.92356%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Parcelas pequenas dão sensação de controle, mas várias compras parceladas podem comprometer boa parte da renda futura. Foto: Envato Elementos

Assinatura de TV a cabo

[{"selector":"#anim-0b96baff-64c4-42e2-8555-0574c5325010","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b50e4bd5-4d48-4994-aea3-2a777ae58adc","keyframes":{"transform":["translate3d(-114.377%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c74e5393-b6cf-43e6-b5e4-5989f1377dc5","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-47c2993d-1bcc-46c5-9638-377f8e9e8ceb","keyframes":{"transform":["translate3d(-114.64968%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Se você usa mais streaming do que canais tradicionais, talvez esteja pagando por um serviço pouco aproveitado. Revise sua assinatura. Foto: Envato Elementos

Garantia estendida

[{"selector":"#anim-b971eb1d-c428-4dbd-b0a7-9a4d3fa27313","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-70cb001f-1fd3-45b1-8775-f97607ede8a1","keyframes":{"transform":["translate3d(-115.97444%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b5edf663-50e0-4300-960a-6c77da293a77","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a5f6740b-b683-45b7-9923-0bb8cbaf92ac","keyframes":{"transform":["translate3d(-115.92356%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Elas aumentam o valor da compra e nem sempre são utilizadas. Antes de aceitar, analise se o custo realmente vale a pena. Foto: Envato Elementos

Fast food frequente

[{"selector":"#anim-49c956f7-b1be-4a28-8a92-a993613149c7","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-dd250044-2255-45d9-bac2-d9bb8c39ffe3","keyframes":{"transform":["translate3d(-115.65495%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e4353a4b-e219-42b8-a0a6-ff2705c3c1d6","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6d04db04-8c5c-495d-a09a-877db9bf3778","keyframes":{"transform":["translate3d(-115.2381%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Lanches rápidos podem parecer baratos, mas o gasto acumulado no mês costuma surpreender. Cozinhar em casa ajuda a economizar. Foto: Envato Elementos

Seguros separados

[{"selector":"#anim-5ef84aef-3f5a-477b-92af-d259b9bba5a5","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-20cc1201-ded0-4b4e-8f0d-846ccb00f100","keyframes":{"transform":["translate3d(-115.65495%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-dd62123f-960f-4f4c-9706-3abe6183818d","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b3f358f5-8915-4edf-80ef-4845ee3a9151","keyframes":{"transform":["translate3d(-114.92064%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Ter várias apólices separadas pode custar mais caro. Muitas vezes, um plano mais completo oferece melhor custo-benefício. Foto: Envato Elementos

Presentes comprados na última hora

[{"selector":"#anim-732aee0d-4393-4239-ae02-289ca22e45e7","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ffed6ab9-fdf1-4e30-b16e-d3733c37f7f4","keyframes":{"transform":["translate3d(-115.65495%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f989ce98-fce0-4d9d-bc62-c78c53d26d87","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1b82e2f1-2f97-4e4e-b745-fc737cbc4e85","keyframes":{"transform":["translate3d(-115.2381%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] A pressa dificulta comparar preços e encontrar boas ofertas. Planejar com antecedência evita gastos desnecessários. Foto: Envato Elementos

Jogos de loteria frequentes

[{"selector":"#anim-5bc381e7-7cc1-480d-a9f8-3e7a0112fb5d","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-970d4c57-8040-4e29-8a57-1e80135babde","keyframes":{"transform":["translate3d(-115.65495%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8df8700f-b829-4257-a21f-85d0a1140d2f","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-cf7f06dd-d633-4796-b601-c2742c9d0f46","keyframes":{"transform":["translate3d(-115.55555%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Apostas ocasionais podem ser lazer, mas jogar sempre transforma pequenos gastos em uma despesa significativa durante o ano. Foto: Envato Elementos

Assinaturas que você não usa

[{"selector":"#anim-a4cf5026-2158-4b79-b8f2-11f9920e1ea9","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9cacbd7e-f671-437d-822f-23f373dc0030","keyframes":{"transform":["translate3d(-115.33547%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-572bdc16-5b5e-4eb8-ad2f-cf876add4032","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-edd5055a-41cb-4c0f-8acc-3d2f8449bd4d","keyframes":{"transform":["translate3d(-115.60509%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Streaming, apps, academias e serviços digitais podem consumir parte do orçamento sem trazer retorno real. Foto: Envato Elementos

Café comprado todos os dias

[{"selector":"#anim-66d25fc7-982d-44e8-8571-67a6f3288cac","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4e0034b4-d7dc-4adb-a5e1-49b407fd7a56","keyframes":{"transform":["translate3d(-115.33547%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-cd6ce345-4896-475d-a596-be8db5dc641d","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d475d160-cfe2-4fb8-b43a-19228e79b732","keyframes":{"transform":["translate3d(-115.2381%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] O hábito diário pesa mais do que parece. Preparar o café em casa pode gerar uma economia significativa no mês. Foto: Envato Elementos

Desperdício de alimentos em casa

[{"selector":"#anim-7685de9a-959e-4855-afe9-a7403595734c","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c8623c0e-3bed-4c72-b902-2686a2cb5773","keyframes":{"transform":["translate3d(-115.97444%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a64b7b6e-de59-45a8-b793-a2026aaabf5e","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b320836b-7af7-4358-a000-ec3a6c67a6a1","keyframes":{"transform":["translate3d(-115.92356%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Comprar além do necessário e deixar comida estragar é perder dinheiro. Planejamento reduz desperdícios e gastos. Foto: Envato Elementos

Qual desses pesa mais no seu bolso?

[{"selector":"#anim-657898fa-61a9-4958-b5a0-ed49c3b36478","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6fc864d3-d1be-41b4-aaea-bb9d44551f6c","keyframes":{"transform":["translate3d(-115.65495%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-abaa5e00-bf8d-4bfe-8b63-8cd708f82a9e","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-16816a82-833c-43ad-b3b4-ff58ea8fcedf","keyframes":{"transform":["translate3d(-115.60509%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Revise seus hábitos de consumo e descubra quanto dinheiro você pode economizar ao longo do ano. Foto: Envato Elementos Ideias de renda extra para complementar renda

[{"selector":"#anim-f893863d-718a-43fc-9e10-9b730ee46d12","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6849ce7b-f97b-4b8a-b708-494247b92ad9","keyframes":{"transform":["translate3d(0px, 403.09826%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Quer continuar bem informado? Siga a Remessa Online no Google Discover e receba novidades direto no seu feed todos os dias. Foto: Envato Elementos Siga no Google Discover - Remessa Online