Clipping of news on Brazilian Culture, Law and Citizenship
02/11/2014
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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Holiday season is always a lot of expenses , especially when you decide to travel . The year turned and news worsened the situation who was planning to leave the country : the Tax on Financial Transactions ( IOF ) levied on foreign exchange payments made with a debit card withdrawals in foreign currency abroad, purchase of checks travel ( traveler checks ) and loading prepaid cards with foreign currency equaled the credit card , going from 0.38% to 6.38 % .
If you need then dollar gets more complicated , since the currency is on the rise - R$ 2.33 . It is a clear that , for those who had not programmed correctly , this may not be the best time to make that trip signal , it is better to postpone or change the destination . To know what to do with security , I recommend you make a diagnosis of financial life , knowing exactly what are your earnings and expenses of the month , being aware of how much you can spend that time .
It is very likely to have to cut some sightseeing and shopping list so that the increase of the IOF and the high dollar weigh not much in the budget , at the risk of falling into a debt . Advice that I always give is to respect the standard of living , because only then you can realize dreams without despair then to afford them , and may even become a delinquent .
We must be careful not to spend what we do not have , on things we do not need , to impress , often people do not even know . Respect the money that passes through our hands is the main point not to lose control of personal finances . If , after a thorough analysis of the budget , you realize that you can only make the trip having to piecemeal everything is better not to do. What was a dream can become a nightmare in a few days .
So , gather the family - including children - to talk about the financial situation , so that everyone can work at that time . Ask everybody to help search price of travel packages and plane tickets in at least three physical and virtual places . Believe me, a simple search for the lowest price can significantly lower costs . If resolving touring Brazil and drive , do not forget to do a full review and verify documentation and insurance because , in addition to preventing accidents , will also help to save on possible problems that may occur.
But if they decide to go out even with the increase in the IOF for prepaid cards , it is more worthwhile take 20 % in cash and the rest spend the same credit card , because that way , you can get some advantages, such as earning miles for the next trip or off on some products . However , I advise you to take no more than two credit cards , maturing next and subsequent to the date of travel . Do not forget to inform the operator that you know you will be out of the country during this period .
And finally, a very important point : no one is free from unexpected , and roughing it in another country is not pleasant . So , look to take booking from 30% to 50 % of the total value of the tour .
Source : Uol - Modern Consumer
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This article was translated by an automatic translation system, and was therefore not reviewed by people.