Planejamento financeiro pessoal: um estudo sobre características de comportamento financeiro de ingressantes do curso de Ciências Contábeis advindos de outras cidades

Abstract

The purpose of this study was to analyze the personal financial characteristics of the students who entered the Accounting course who sought to study higher education in a city far from their own. To this end, a descriptive survey was conducted with a qualitative approach. Data were collected through a questionnaire, followed by a semi-structured interview script. The questionnaire sought to identify variables such as: social, economic and demographic, while interviews addressed issues related to financial planning, control and management of personal finances of academics. The study found that most academics are aware of the importance of financial planning, but they do so superficially because of family financial constraints and dependence. Regarding the control and tools used to track spending, it was found that most students do not have adequate control, but are concerned with controlling spending. Regarding the management of their personal finances, it was noted that despite the financial limitations, they have the habit of constituting financial reserves, thinking about eventual emergencies.