Clipping of news on Brazilian Culture, Law and Citizenship
02.12.2015
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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Save the money or use it to pay down debt solutions are pointed out.
Here's how to get the best out of the benefit in times of crisis.
At the end of the year, the long-awaited 13th salary brings additional income to the pockets of workers. And this year, with the economic slowdown, many Brazilians should use the money to pay off debts or to save a portion to invest, as amid the uncertain economic environment, it is prudent to have a reserve in case of job loss or other unforeseen.
Employers had until Monday (30) to pay the first installment of the 13th salary. The second installment must be paid until December 18, for the 20th, which is the date stipulated by law, falls on a Sunday.
The payment of debts will be the fate of the 13th salary of 74% of employees in 2015, according to a survey released by Anefac - an increase of 8.8% compared to 2014.
In contrast, it fell by 27% between 2014 and 2015, the percentage of Brazilians willing to use the extra income to buy New Year gifts, which shows greater difficulties and concerns of consumers with spending.
Already the research credit bureau (SPC Brazil) and the National Confederation of Shopkeepers (CNDL) shows that almost a third of consumers who receive extra money at the end of the year will save or invest. Among those who do not intend to spend it all at Christmas, 30% aim to pay off the debts.
8 steps to use the 13th to ease the financial life
Divide 13 into four parts: shopping, debts to pay off, the beginning of the year and saving costs.
Quite their debt before considering the costs.
Take the opportunity to shoot down loan installments.
In case of high debt, negotiate before.
Make a reservation for the year of start-up costs.
In times of crisis, it is good to separate a portion to be applied and thus have a reservation.
To pay the year-end trip or vacation.
Consider giving gifts at the beginning of next year, when they happen settlements - at Christmas the greatest demand makes prices rise
"The 13th of the money should be primarily thought to pay outstanding debts, loans or to invest. If the consumer has only one outstanding debt, it is easier to solve the problem. If there is more than one, it is best to choose one that is delayed or opt for value with higher interest rates, for example, overdraft and credit card, "says the chief economist at SPC Brazil, Marcela Kawauti.
"Very expected by employees, that extra income comes to end debts, pay off taxes, buy gifts and even to apply in some revenue fund. Especially this year, when much is said in crisis, the 13th will certainly be very welcome in whatever situation, "says financial educator Dora Ramos.
For Dora, who has more reason to celebrate the wages are indebted because it will use the money to cover the loan from the bank, pay the invoice credit card, loan and any other pending than previous months have left. "But the person in debt must be careful: you have to have control not to consider the 13 to solve all the financial problems and use it for new spending or have it as a" booster "new debt" he warns.
"Before spending any penny from the 13th, put on paper the amount you will receive and their claims expenses. First see if the account closes. It may seem a silly tip, but most people do not do that and at the end you see that between received and disbursed there is a deficit, and what was to be an extra income, it becomes an extra debt, "said Fernando Medina, director Luandre of operations.
Professor Osmar Rezende de Abreu Pastore, the course of administration of Anhembi Morumbi, remember that even the most organized and are not indebted have many financial obligations at the beginning of each year, such as property taxes, property taxes, school supplies, enrollment, installment payments on the card credit and debts of current and year-end trips. In addition, unexpected can happen.
"One must be very cautious in 2016, as the outlook for the economy of our country is shrinking. In addition, we must not forget that Brazil still depends on foreign markets. So be thoughtful, avoid costs and increase your nest egg, "says Pastore.
Dora argues that the most organized can extend their savings, starting a professional training course, get a new well liked and even bet on any venture. "Only those can invest in some new opportunity, whether financial, professional or even personal, calmly and without remorse."
For others, it states that it is time to put the tip of the pencil which will receive in the coming weeks and calculate all the pending issues. Even if there's nothing left and to miss, one must consider the improvement of the conditions and start a season economy. "The 13th salary should be seen not as the solution to all problems, but as a great incentive, coupled with the deprivation of what is superfluous, can be a far more peaceful 2016," summarizes.
See below for tips from the experts:
Seal - beware purchases and interest (Photo: G1)
"You always question if we really need to do certain buying or borrowing. Value your money and your credit, "says Pastore.
The teacher also indicates attention in installments. "If the purpose of payment is not possible, Parcel to the installment limit to submit non-interest" he says.
For financial educator portal My Pocket happy, José Vignoli, enjoy the 13th smartly does not necessarily mean abandoning their Christmas shopping. "It is possible to spend part of the value gifts and celebrations. Consumers just need to remember that if you have debts, the best use of money is settle them, ensuring greater financial tranquility in the coming year," he explains.
According Vignoli, Christmas, advertising becomes even more aggressive to just hook the 13th salary, but you can resist. "Ideally, Christmas shopping can fit in the December budget without having to move the 13th. If this is not possible, try not to spend beyond 20% of the total at parties. Toasting is all unnecessary, unless you have no debts and has already saved enough money to afford it, "he says.
Vignoli explained that purchases in installments are also debts. So, if any purchase being paid with interest, we recommend advance payment of the maximum plots to get to 13, reducing the total amount to be paid. And, preferably, all portions settle it at once.
"At this time what really matters is being together we like. This is only part of the celebration. A souvenir passes the message of affection in the same way. Doing this saves the 13th for what is priority, like pay off debts and invest in a dream, "says Vignoli.
He recommends making a list of people who want to gift giving and start researching the Christmas souvenirs values. Then, set a spending limit and respect it. "Exchanging gifts for the whole family by secret friend can be a good way to save money," he says.
Another tip from experts is to think in possilidade to postpone the purchase of Christmas gifts to January, when there are traditional settlements and inventory closeouts.
Seal - start year expenses (Photo: G1)
Pastore recommended to set aside part of the 13th for the January spending, such as school enrollment and taxes, paying off taxes such as property taxes and property taxes in a lump sum. "The majority of cash payments offer discounts or even free of interest," he says.
"Property taxes, property taxes, school supplies ... There are many bills to be paid at the beginning of the year, which can be settled with the help of the 13th. So before rushing to the mall, take the amount needed to cover these seasonal expenses, "advises Vignoli.
Since Fernando Medina, director of Luandre operations, says it is not necessary to use all the 13th to settle property tax and property taxes, but reserve a portion of the extra income to reduce the total amount will make a difference in the monthly budget. "Those who choose to pay these taxes in installments can book the amount corresponding to a portion, for example," he suggests.
Seal - debt renegotiation (Photo: G1)
Vignoli says to use 13 to pay off debts and arrange finances is one of the smartest ways to use the extra money.
"Paying off old debts you start the new year with so many bills to pay. However, it is not because it has the cash on hand to dispense negotiations. Try to renegotiate the value or even a rebate with the bank or with your lender, "he recommends.
It is important to pay off the debts that weigh more, such as credit card, overdraft, payroll loan and higher purchases of services. Those with mortgages should use the money to pay off the property benefits.
Seal - Savings (Photo: G1)
If the consumer is debt, the opportunity is right to invest or "fatten" the financial reserve. But Vignoli emphasized that no need to book any money for this purpose.
"However, the more money you have in savings, the higher the monthly income. Life is full of unexpected and we need to be financially prepared for them, "he says.
Seal - school supplies (Photo: G1)
Fernando Medina recommends enjoy the year-end recess to make an inventory of the materials the children to buy only what is necessary.
"Search online for the best price of the items and set aside a part of the 13th for this. Buy in advance can be interesting because prices tend to become more expensive as of January," he says.
Valeria Nascimento, financial manager of Luandre, adds that to the largest, the biggest expense is with books. According to her, a good option is to search in book selling sites used with discounts up to 70% compared to new ones.
Seal - travel (Photo: G1)
"The end of the year is always the most expensive time to travel, especially Christmas and New Year's Eve. So if you can, opt for choosing dates on which destinations have lower demand and hence are cheaper. If there is no option, make sure that the trip will not hurt your budget, "advises Medina.
Seal - anticipation of 13 (Photo: G1)
Pastore believes advantageous negotiate with the company the anticipation of the 13th salary only in case of pay debt and reduce interest. "Spending on new purchases will only worsen the situation when the end of the year," he says.
For him, the anticipation can also serve as an application in savings, fund or national treasure. "When the end of the year, plus the full amount, the saver will still have a small income."
Source: G1
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This article was translated by an automatic translation system, and was therefore not reviewed by people.