Planejamento financeiro e qualidade de vida: um estudo na comunidade Pau de Terra

Abstract

The organization of personal finances is an increasingly relevant topic in contemporary social contexts, especially given rising household debt and the fragility of financial planning in small communities. This article aims to examine how financial planning influences the quality of life of residents in the Pau de Terra community, located in the municipality of Angical do Piaui, Brazil. The research adopts a qualitative-quantitative, descriptive approach, conducted through bibliographic research and application of a structured questionnaire to 20 adult community residents. Quantitative data were analyzed using descriptive statistics, and open-ended responses were treated through content analysis. Results indicate that 80% of participants know the concept of financial planning and 65% have already engaged in some form of planning, although 70% earn up to one minimum wage, reinforcing the centrality of economic constraints in daily local life. Most participants recognize the influence of finances on quality of life, and