Clipping of news on Brazilian Culture, Law and Citizenship
09/27/2016
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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Words such as settlement and sale are used to attract customers in times of crisis
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According to the Central Bank, with the economic crisis, Brazilian families spend the largest debt of the last 10 years. However, it's hard to resist those who give children, nephews or grandchildren on Children's Day. With the date fast approaching, on October 12, it must be attend at the time of purchase.
Gil Deschatre, Professor of Personal Finance at the University Veiga de Almeira warns that with this scenario, seductive words as "liquidation", "sale" and "inventory burn" are widely used to attract buyers. It is therefore necessary attention even when the advantage seems to be very attractive.
According Deschatre the biggest mistake of Brazilians to purchase products is the installment plan purchases. He explains that the installment should be avoided forever, not just in times of crisis, as well as the postponement of the payment of the credit card, which is considered by the expert as 'financial suicide'.
One strategy is to ask whether there are more important assets that need to be purchased before being offered a discount. "Reflect and make sure you still have disposable income to buy what appeals to you. If you do not have more money, think again, do not force the issue, buy without money means into debt, spending that does not have ".
Credit # income
Consumers should be very careful not to confuse credit with income. When thinking about purchasing something, it should not be based on your credit limit, because most people have limits on larger cards than their own incomes, and this is a major cause of indebtedness. "If you decide to buy something, the ideal is to be based on disposable income," advises Deschatre.
Source: The Globe
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This article was translated by an automatic translation system, and was therefore not reviewed by people.