Clipping of news on Brazilian Culture, Law and Citizenship
01/15/2014
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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Two recent news will change a bit of Brazilian financial planning : the new values of IPVA and IPTU . The states and municipalities have set prices related thereto, with some reduction , but most with increased compared to 2013 .
The increase in the value of the property tax will negatively impact on most families and businesses in the country , since they are not educated financially and therefore do not have a financial reserve to cover unforeseen events like these. Moreover , the Brazilian , in general, does not have the culture to collect their representatives , for example , with respect to such increases , if we compare the actual situation. This would be the first step .
The second , then, would be to change behavior in relation to money , educating themselves financially , ie , learning to respect its resources and understanding that without planning, there is no way to have a sustainable life in every way . Thus , the next step is to be aware of the new value of property tax to be levied. Do not forget to review the remaining debts to get a sense of the total monthly expenses .
If you do not have a financial reserve , recommend making a diagnosis , to know what are the costs and what can be reduced - or even cut. Another tip is to try to pay cash , because that way , you can get a discount of approximately 6 % . If you can not immediately enter the amount of the installments in the budget of the following month . Only thus can avoid a future debt .
Try not to use your Christmas bonus for this purpose . The extra pay that workers receive at the end of the year aims to facilitate the fulfillment of desires and dreams and not paying debts , entering a vicious circle. A good solution is to redirect the savings in property taxes (if your case ) for payment of property tax , so the difference will not weigh much in the budget .
But if you have to pay the new price without having to mess around with other values , invest the money left over from the property taxes in your dreams - short ( up to one year ) , medium ( up to ten years) and long ( over ten years) deadlines . One should also not forget about the other expenses that come with the new year , as tuition and school supplies, spending for December made to your credit card , among others .
Prioritize dreams is the secret that 2014 is a year more aware of healthier habits and attitudes about money and , consequently , in all spheres of life .
Source : Brazil Agency
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This article was translated by an automatic translation system, and was therefore not reviewed by people.