Capitalização Simples

ABSTRACT

Always been a challenge for most people control their finances. These days, it is common to see people "taking care" of your finances by tracking only the bank balance, using it for simple calculations of addition and subtraction. However, manage finances this way is insufficient. To renew and improve the financial lives, making it more organized and prosperous, it is necessary to master the concepts of mathematics of money, known by all as Financial Mathematics. The theoretical knowledge coupled with a computational tool such as a spreadsheet in Excel, has helped thousands of people find ways wiser and weighted, both for small and for large financial decisions of their lives.

Marcelo and Ana have been married for six years and plan to have a baby next year. The couple is currently with a financial life organized, but understand that their lives will change when you get pregnant Ana. Five years ago, immersed in debt and spending countless unforced, have been studying a way to relate well with the money. For this, decided to adopt good financial habits and began to feed, weekly, an Excel spreadsheet with the earnings and expenses for the period.

The spreadsheet developed contemplated two columns: the first, all entries were released as the salary of the couple and on the other, would be launched all expenses related to food, transportation, personal care, financial expenses, housing, leisure, health, loans, clothing etc..

With this program of financial rehabilitation that have undergone, began to "see" the amount of money that actually was in and out of your pockets. With realistic budget, typified their debts following an order of priority (the debts that generated more interest was paid first) and it turned out disastrous relationship with money they had in the past in a present situation multiplication and quality of life.

Motivated by the desire of the couple to study "how much it costs to have a child in our day" and the need for us to develop good financial habits, the challenge posed in this activity is to answer: "What is the approximate amount that Marcelo and Ana should spend to they can raise their child from birth to the age where he will finish college? ".

Therefore, eight challenges are proposed. Each challenge after being properly conducted, it must be associated with a number (0 to 9). These numbers, when placed side by side and the order in which the steps, provide the numbers that will make the amount that