Clipping of news on Brazilian Culture, Law and Citizenship
This article was translated by an automatic translation system, and was therefore not reviewed by people.
12/15/2014
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Not to spend too much with the year-end expenses, the secret is only one: financial planning. Reinaldo Domingos, president of Dsop Financial Education, says that the first step is to list all revenue of the period, including extraordinary items, such as 13th salary, bonuses and vacation.
Then you have to list all the fixed expenses (such as condominium, rent) and variables (such as spending supermarkets, clothing). Book a Party to the January expenses (taxes, registration and school supplies). The leftovers can be used with gifts and items parties of the end of the year.
Prefer to pay everything in sight, and avoid at all costs into the overdraft limit or borrow on the credit card.
The director of economy Anefac (National Association of Executives in Finance, Administration and Accounting), Roberto Vertamatti, remember that 2015 should be a year of adjustments in the economy that may affect the pockets of consumers. Are planned increases in fuel, electricity, transport, water and taxes.
Spend less on Christmas
Start by budget
Some all income (salary, 13, holiday bonus) and decrease of all fixed expenses. The value of the gifts can not be greater than the left (and still need to have a reservation for the costs of January)
Do not endivide for gift
Give gifts that fit the budget. You can find this options in all price ranges. Respect your standard of living
Prefer to pay cash
To buy more expensive gifts, the ideal is saving to buy in sight. Who does that can negotiate discounts. The measure helps to avoid debt, but you need to know how much you can spend
Beware of the plots
Not possible to avoid the installment, make sure that the fit plots in the budget. Remember that the accumulation of benefits endangers the financial planning and the ability to save
Avoid impulse purchases
Before eating, ask yourself if you are buying the product for real or just need to meet an immediate need. And if the value is within its means
Book of the 13th salary
Do not forget that January is a month of heavy expenses. In addition to spending the New Year, still have property taxes, property taxes, school supplies. And several are planned price increases for next year
Save on Travel
Attention when choosing a holiday trip. Package prices are more expensive in high season. If you have not planned to pay, you better do a cheaper and within budget trip. For more expensive trips, save in advance
Source: Anefac (National Association of Executives in Finance, Administration and Accounting) and Dsop Financial Education
Source: UOL News
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This article was translated by an automatic translation system, and was therefore not reviewed by people.