Clipping of news on Brazilian Culture, Law and Citizenship
10/09/2013
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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The Children's Day is coming and the date the family often end up " giving step higher than the leg ," especially when you take the kids along for choosing and purchasing gifts ( kids know to be extremely persuasive and many parents give in to their pressure ) .
Remember that many establishments have higher turnover at the time raise prices due to great demand of customers , so we must be careful .
To help consumers , Serasa Experian prepared 10 tips that guide how to buy this spending little .
1. Make a good expenditure planning before making a new debt . Place the tip of the pencil bills already incurred and also consider approaching the end of the year and the cost of the typical early 2014 , as property taxes , property tax , tuition , school supplies , among others ;
2 . Make decisions in the family. Talk about money with children and explain the real financial situation of the house . Together to arrive at a value of gift that pleases the small , without blowing the budget ;
3 . Search prices and payment terms . The value of the gifts can vary greatly from one place to another . Do not be ashamed to haggle and ask for discounts ;
4 . Stay tuned to the prices of toys and electronics . Most of these products is or has imported components , and with the change in the dollar , they may have been more expensive . Search for the same product in different places because some stores may have old stocks and offer a lower price ;
5 . Avoid long-term installments not to commit further income. The end of the year is near and this time spending increases even more . If possible, make the payment in cash or try to take a larger share of entry;
6 . If the child asked for an expensive gift , consider the possibility of transferring this desire for Christmas . At the end of the year , the income is more taut with thirteenth salary , bonuses , among others . If no negotiation , talk about the possibility of the present worth for the two dates ;
7 . Beware of tours so that spending is not greater than the present itself . Take the kids to free places , such as parks open . The family fun can be guaranteed ;
8 . If you are traveling and are planning to split the expenses, it is important to remember that although the installment is often attractive , this will be a new debt compromise the budget for some time . This year's commemorative date falls on a Saturday , so it is worth assessing the need to spend on travel in a short period;
9 . Beware of Internet shopping, especially with prices and offers dazzling . Not to be a victim of fraud , beware the safety tips , delivery and payment that the site offers ;
10 . Who is already superendividado or delinquent , must exercise caution . The first step for anyone who is in this situation is to renegotiate the old debts before making new accounts . If you are buying a gift , the recommendation is that the payment is made in cash .
Source : UOL - Modern Consumer
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This article was translated by an automatic translation system, and was therefore not reviewed by people.