Clipping of news on Brazilian Culture, Law and Citizenship
12.14.2015
This article was translated by an automatic translation system, and was therefore not reviewed by people.
transparent image
Experts recommend organize financial planning to control spending and get out of debt. Hold the pulses in Christmas shopping and use part of the 13th to January expenses
Paloma Savedra
Rio - To enter 2016 in blue, the Brazilian will have to resort much more than the old sympathies year-end. At the height of the economic crisis, with inflation and high unemployment, the main weapon to exit the red at the turn of the year, experts say, is financial planning to control spending.
Not to compromise the budget, experts recommend controlling impulses for purchases
Photo: The Art Day
Without keeping your foot on the brake, the Christmas season can be a dangerous shortcut to soil the name. Research by the credit bureau (SPC Brazil) and National Confederation of Shopkeepers (CNDL) with 601 consumers in 27 Brazilian cities revealed that debts taken at Christmas last year left 17% with credit restrictions.
Not to compromise the budget, experts recommend controlling impulses shopping. And instead of toasting the 13th salary, allocate part to repay overdue debts and also book to bear the January taxes such as property tax and property taxes. Families should also take into account spending on school supplies, which should be on average up to 10% more expensive in 2016, according to the Brazilian Association of Manufacturers and Importers of School Supplies and Office.
Vice president of the National Association of Executives in Finance, Administration and Accounting (Anefac), Miguel Oliveira says it's time to consumers tighten their belts.
"With inflation reaching 10.48% and high interest rates have to be conservative in spending. Use the 13th to pay overdue debts, taxes January and school supplies. If leftovers, apply in fixed income fund or savings, "recommends Oliveira. "Consumers should exchange gifts for souvenirs and pay cash.
The use of credit cards should be avoided. And if it is, do not excess installment, "adds the executive.
The financial educator Reinaldo Domingos is another warning: "It is no use to pay debts and continue with the same behavior. You have to plan the budget year, reducing the cost of living, find prices and exchange brands, "he points out.
This is true for the commercial representative, Nelma Castro, 43. Rather than risk getting defaulted, it keeps an eye on expenses. "I've never been with dirty name because all calculation. Even in their spare time have control. I do financial planning, avoid piecemeal purchases and stipulate the value for each gift. I reserve my January 13th to pay taxes and still have something, "he said.
Already the producer Carla Oliveira, 41, says he will have to cut more than 50% of their spending to reduce debt. "I say that I am planning not to enter 2017 in the red. In 2016, I will have to pay many debts. So let buying Christmas presents and traveling at the end of the year, "he says.
Consumers can take advantage of discount in order to shop
In addition to compromising consumer finances, which ends up accumulating debt, installment purchases can be more expensive. This is because cash payments often have discounts, increasing the possibility to save.
For residents in Rio, the discount for settlement of the property tax in a lump sum is 7%. In relation to property taxes in 2016, who pay the full amount will have 3% discount. The tax payment schedule starts on January 19 for vehicles with 0 at the end of the board.
Despite the advantages of cash payment, the survey by SPC Brazil and CNDL shows that, for the Brazilians, the installment is still the first choice.
According to the survey, more than half (52.4%) of the 601 respondents share their Christmas shopping in several installments, of which the majority (35.7%) does this to give everyone you want. But the move could turn out to be trap for consumers.
According to economist SPC Brazil, Marcela Kawauti, the habit may be more harmful to the consumer than he imagines. Who split the payment of a purchase this month in five times, for example, will end only to pay the last installment at the time of Mother's Day in May next year.
"The card must be used well, at the risk of paying high interest rates if the consumer has not paid the invoice. If a person spend on shopping at values above their ability to pay, can end up in default, "he warned the expert.
Marcela also emphasizes the organization that consumers should have, since the research finds the lack of control with the Christmas spending. Of the 17.2% of respondents who were with dirty name due to debts with holiday shopping, most do not even know the value of the debts.
SEE TIPS
CREDIT CARD
If you only have a salary, has only one card.
Has a credit limit of up to 50% of your salary.
Pay bills on time to avoid entering the rotary.
In the case of debt due to the ability to pay, renegotiate. If not, look for the lender after being negated as there are chance according to discount the loan recovery company.
CHRISTMAS SHOPPING
Make a survey of what you can spend. List the people who will give and fix a value for each expenditure.
Change gifts for souvenirs. Search for prices and pay only in cash. Ask discounts. Avoid many installments.
Do not play the whole supper. Each participant can bring a dish or drink.
13TH SALARY
Use to pay off debt. Prioritize those involving cutting the supply of services such as water and electricity, and that charge high interest rates.
Intended to pay taxes in January, tuition and school supplies.
If leftovers, apply to fixed-income fund or savings.
HOME ECONOMICS
Before going to market, list items and quantity required. See offers and replace expensive brands for affordable.
Replace incandescent bulbs with fluorescent bulbs, which consume up to 75% less energy.
Reduce time in the bath and refill the water for house cleaning.
Source: The Day
To access the site Day, click here.
Our news are taken in full of our partner sites. For this reason, we can not change their content even in cases of typographical errors.
This article was translated by an automatic translation system, and was therefore not reviewed by people.