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Expert gives tips to avoid debt during the holidays

11.12.2015

This article was translated by an automatic translation system, and was therefore not reviewed by people.

 

 

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The best way to avoid post-holiday debt is to make a good travel plan

With the arrival of the end of the year, many families begin to take advantage of dream vacations. Here's how you and your family can prevent this particular moment does not turn into a major headache when it comes to controlling the money.

Alex Magalhães, Master in Accounting and Finance and Professor of Business Administration courses and Accounting of the University Center Estacio da Bahia listed some important tips 

According to the teacher, the best way to avoid post-holiday debt is to make a good travel plan. "Every time we want to make a holiday trip, the first step to take is to plan. Define where want to go, how long I want to stay in this destination, what options I use for travel, stay and even as want to spend on shopping and dining. Planning ahead is the best tip for not finishing the debt vacation, "he warns. 

Magellan points out that this is not a good time to travel abroad. "The dollar and the euro are at a very high level for those who want, for example, go shopping on a trip abroad. As much as the products found out there like electronics, are at attractive prices. Do not forget that this should be converted into real, "he says. 

The professor also noted that to get to Brazil for taxes to be paid by those who exceed the purchase limit and that there are still charges for purchases made with the credit card. "Buying abroad by credit card, debit or prepaid no incidence of IOF, which is around 6% to 7% of the purchase price," he adds. 

The financial expert says that the indiscriminate use of credit card is the largest contributor to the increase in debt. To prevent this, it recommends setting a spending limit for shopping and dining. For those who will leave the country, Magellan advises using a card with prepaid supply. Another good alternative is to set aside a sum of money to negotiate discounts. 

For those who failed to plan the trip in advance, Magellan says that the best option is to seek alternatives in Brazil. "Our country has great places that particularly, leave nothing to be desired abroad and with a much lower cost," he said. 

According to the teacher, a good tip is to save the promotional packages offered by travel agencies. "Travel agency packages can be a good alternative, especially because they can be composed of stay, passage and even trips, which can help make better use of time during the trip, as well as allow payment in installments and in advance" He says. 

The expert points out that before closing the deal is important to look for an agency that has support. "It is essential to search the tourism agencies and specialized sites or to ask for referrals to other people who have hired the services of the chosen agency" is recommended.

Source: iBahia

 

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This article was translated by an automatic translation system, and was therefore not reviewed by people.

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