{"id":6949,"date":"2026-01-12T09:05:45","date_gmt":"2026-01-12T12:05:45","guid":{"rendered":"https:\/\/blog.dmcard.com.br\/?p=6949"},"modified":"2026-05-27T12:40:36","modified_gmt":"2026-05-27T15:40:36","slug":"ipva-iptu-e-seguros-organize-as-contas-de-inicio-de-ano","status":"publish","type":"post","link":"https:\/\/www.vocedm.com.br\/portal\/ipva-iptu-e-seguros-organize-as-contas-de-inicio-de-ano\/","title":{"rendered":"IPVA, IPTU e seguros: organize as contas de in\u00edcio de ano"},"content":{"rendered":"<p><i><span data-contrast=\"auto\">Veja dicas\u00a0pra\u00a0passar por esse per\u00edodo sem sufoco e come\u00e7ar 2026 com mais tranquilidade.<\/span><\/i><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Janeiro costuma ser um m\u00eas de contas pesadas. Al\u00e9m dos gastos do dia a dia, chegam despesas obrigat\u00f3rias como IPVA, IPTU e\u00a0renova\u00e7\u00e3o de\u00a0seguros,\u00a0que podem apertar o or\u00e7amento de muita gente.<\/span><\/p>\n<p><span data-contrast=\"auto\">Por isso, se organizar faz toda a diferen\u00e7a. Com escolhas\u00a0inteligentes e um bom planejamento, d\u00e1\u00a0<\/span><span data-contrast=\"auto\">pra encarar essas obriga\u00e7\u00f5es sem sufoco e come\u00e7ar o ano de forma mais tranquila.<\/span><\/p>\n<h2><b><span data-contrast=\"auto\">Fa\u00e7a uma lista das contas<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">O primeiro passo \u00e9 colocar tudo no papel. Anote as despesas extras que chegam nesse per\u00edodo (IPVA, IPTU, seguros, matr\u00edcula e material escolar)\u00a0pra\u00a0ter clareza do valor total e conseguir se organizar melhor.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Assim, voc\u00ea consegue ter uma previs\u00e3o mais real de quanto vai gastar, separar o or\u00e7amento\u00a0pra\u00a0cada conta e ainda saber o que sobra\u00a0pra\u00a0outras necessidades.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"auto\">Veja as op\u00e7\u00f5es de pagamento<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">IPVA e IPTU costumam oferecer desconto\u00a0pra\u00a0quem paga \u00e0 vista, mas tamb\u00e9m d\u00e1\u00a0pra\u00a0parcelar \u2014\u00a0o que ajuda a n\u00e3o comprometer todo o or\u00e7amento de uma vez. Avalie o que cabe melhor no seu bolso.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"auto\">Planeje o uso do cart\u00e3o de cr\u00e9dito<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">O cart\u00e3o pode ser um aliado nesse momento, mas lembre-se de usar com consci\u00eancia\u00a0pra\u00a0n\u00e3o acumular d\u00edvidas.\u00a0Com\u00a0<\/span><b><span data-contrast=\"auto\">DM Visa<\/span><\/b><span data-contrast=\"auto\">, voc\u00ea\u00a0tem mais prazo\u00a0pra\u00a0pagar\u00a0suas contas\u00a0e benef\u00edcios como aumento de limite autom\u00e1tico.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\"><\/p>\n<p><\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\"><a href=\"https:\/\/wa.me\/551221360123?text=Oi!%20Quero%20fazer%20meu%20cart%C3%A3o.%20Vi%20no%20%23blogdadm\">Pe\u00e7a seu cart\u00e3o DM Visa aqui e tenha limite liberado no mesmo dia pra fazer compras<\/a><\/span><\/p>\n<h2><b><span data-contrast=\"auto\">Revise seus seguros<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">Janeiro tamb\u00e9m \u00e9 \u00e9poca de renovar seguros, como carro, casa ou vida. Vale comparar valores e coberturas\u00a0pra\u00a0garantir que voc\u00ea est\u00e1 pagando um pre\u00e7o justo.<\/span><\/p>\n<p><span data-contrast=\"auto\">Quem tem um cart\u00e3o DM pode contratar seguros acess\u00edveis que garantem tranquilidade para os momentos de imprevisto, pagando\u00a0<\/span><b><span data-contrast=\"auto\">a partir de\u00a0<\/span><\/b><b><span data-contrast=\"none\">R$ 9,90 por m\u00eas.\u00a0<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/www.vocedm.com.br\/portal\/seguros\/\"><span data-contrast=\"none\">Saiba mais sobre os nossos seguros<\/span><\/a><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"auto\">Crie um plano para o ano todo<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">Aproveite esse come\u00e7o de ano\u00a0pra\u00a0organizar o or\u00e7amento de forma mais ampla. Defina metas, reserve um valor pra emerg\u00eancias e pense em como usar melhor seu\u00a0dinheiro. Pequenas mudan\u00e7as agora podem fazer\u00a0toda a\u00a0diferen\u00e7a l\u00e1 na frente.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">E, se precisar de cr\u00e9dito\u00a0pra\u00a0resolver um imprevisto, pagar uma d\u00edvida ou tirar os planos do papel,\u00a0conte com a gente!\u00a0<\/span><b><span data-contrast=\"auto\">Baixe o nosso aplicativo, abra sua conta digital gratuita e receba ofertas exclusivas.<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/play.google.com\/store\/apps\/details?id=br.com.dmcard.contadigital&amp;referrer=utm_source%3Dvocedm.com.br%26utm_medium%3Dsite%26utm_campaign%3Dpage_conta_digital%20\"><span data-contrast=\"none\">Clique aqui\u00a0pra\u00a0baixar o DM App<\/span><\/a><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":12,"featured_media":7105,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[146],"tags":[94],"class_list":["post-6949","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-dicas-financeiras","tag-dicas-financeiras"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.6 - 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