Matemática financeira para a educação básica: letramento financeiro

Abstract

This work addresses fundamental concepts of financial mathematics with a focus on practical applications for everyday life and basic education. It begins with an introduction to more basic concepts, such as percentages and mental calculation, which are essential for understanding financial topics. Next, arithmetic and geometric progressions are explored, along with their applications in simple and compound interest, the shifting of amounts over time, as well as successive increases and discounts—key components for financial literacy. The work frequently emphasizes the development of tools for financial decision-making, comparing different scenarios and strategies to identify what is most advantageous for the citizen’s pocket. Concepts such as equivalent rates, fixed installments, and regular deposits are presented, along with tools such as the Citizen’s Calculator, which proves to be a fast and effective tool for applications involving regular deposits, fixed-payment financing, future value of capital, and value adjustment. The final chapters cover loans, amortization systems (Price and SAC), and retirement, offering guidance on the ideal time to start saving. The work concludes with a chapter of curiosities, expanding understanding in a light and didactic way. This study aims to provide the reader with both practical and theoretical knowledge, bringing examples with simple yet meaningful approaches, following the discussion and deduction of formulas to strengthen practical application. The work was designed to contribute to better financial resource management, consumption, and conscious decision-making