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Usar cartões de crédito frequentemente e pagar apenas o mínimo.

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Criar um orçamento mensal e acompanhar todos os gastos.

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Investir todo o dinheiro em ações de alto risco sem pesquisas.

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Comprar itens em promoção sem planejamento prévio.

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Qual das seguintes práticas é a mais eficaz para evitar dívidas desnecessárias e manter uma boa saúde financeira?

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