Clipping of news on Brazilian Culture, Law and Citizenship
12/17/2014
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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According to the SPC Brazil, 17 million consumers have left to go shopping last week. But be careful to not blow the budget
STEPHANIE TONDO
Rio - Brazilian maintain the old habit of leaving their Christmas shopping to the last minute. Study by the SPC Brazil (Credit Protection Service) and financial education portal My Happy Pocket in all state capitals estimated 17 million consumers will buy souvenirs missing a week to the 25th of December. For experts, the behavior can lead to higher expenses therefore redouble the care of the budget is important.
This year, the average spending on Christmas this will increase. Will increase from R $ 86.59 in 2013 to R $ 122.40, according to the survey. Moreover, the average number of gifts purchased should remain stable: 4.3 consumer. The most gifted person will be the mother, with 56% of intentions, then the children (53%) and spouse (52%).
In assessing the chief economist at SPC Brazil, Marcela Kawauti, let the holiday shopping to the last week is not good option to those who want to spend less. "If consumers buy at the last minute, do not have time to research prices and consequently disburses more. Not to mention the risk of not finding the desired product and having to opt for a more expensive commodity, "he explains.
This is the case of the autonomous Help of Souza Rabelo, 42, who started buying gifts yesterday with the Carmo Brito Raimunda mother, 71. "In the rush, did not yield to buy before. I will only have time to go in search of all present on Monday. I think those who buy well in advance pay cheaper, but I can never, "says Help.
Have the teacher Priscila Martins, 20, ensures that the purchase of Christmas memories in advance every year. "Leave up time is too crazy. I'd rather go before because I can choose calmly. Only let this my aunt for this week since he had chosen, all that remained was to go in the store, "he says.
The survey also shows that only 5% of respondents said they would stop buying this now to take years of early settlements. This percentage rises to 13%, consumers over 50 years and drops to 0% between 25-34 years.
Credit card is ally if consumers know how to use
Financial Educator Portal My Pocket happy, José Vignoli explained that the biggest shopping problem last week is not, as you think, the increase in prices. But, yes, hurry. "What, really, is the head of the people. We started to lose the relationship values. We acquired a product with higher value than we would like, because we want to buy soon. We started doing things out of control, "he says.
According to Marcela Kawauti, the consumer ends up giving less importance to detail and gives in to impulse purchases. "Not to mention the stress caused by long queues at banks and by the difficulty to find job in the parking lots," he warns. Ideally, according to the economist, is to make a list of all the gifted and take the money that was counted want to spend.
Vignoli also advises the consumer and assess the list before you go shopping. "Often there is no need to give gifts to all those people," he says.
For him, for very high costs, the credit card can be a good alternative because it keeps the cash flow. "It is a great ally in the control of finances, provided that the consumer know how to use it and pay the bills on time. In the case of cash payments, it is worth asking for discounts, "says financial educator.
Source: Agency Brazil
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This article was translated by an automatic translation system, and was therefore not reviewed by people.