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5 tips to escape the accounts and not get in the red early in the new year

11/17/2016

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

 

 

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With a little planning and discipline it is possible to start 2017 without suffocation

 

Photo: Stevpb / Pixabay / Creative Commons

The budget will be tight by the end of the year

Every beginning of the year is the same thing: New Year's resolutions, that diet, and of course, the desperation already known due to the accounts. In addition to the IPTU, IPVA and school enrollments, there are also Christmas and New Year expenses in the budget.

According to Fábio Yamamoto, partner of Tiex, Brazilians already know that the beginning of the year is the period where the heaviest accounts are concentrated. "Even though the budget is going to be tight, most people do not have the habit of scheduling for these expenses," he explains.

But there's no reason to panic! With a little planning and discipline at the end of 2016, it is possible to start 2017 without suffocation.

See five expert tips to overcome the tightening of accounts and if you plan to:

1. Book resources

If planning for increased expenses at this time of year is essential. One easy way to do this is to go accumulating reserves, like the thirteenth.

To do this, you need to estimate the amount needed to honor these commitments, and try to book resources every month. It is very important to set a goal so that superfluous spending does not interfere with this "savings".

This tip also applies to any excessive spending that you want to do. "Planning is the shortest way to reach any goal," says Yamamoto.

2. Settle payments

Many people view negatively the payment of expenses and the contracting of loans or financing, but indebtedness should not be regarded as a villain. As long as it is done with a careful evaluation, there is no reason to fear the payment of bills.

In the case of companies, the return obtained or the cost avoided with the investment and / or application made of the funds raised must be higher than the cost of the indebtedness.

In the case of individuals, this account is not so simple, but the premises are similar, for example, taking out a loan to avoid paying interest on the credit card or overdraft is always more advantageous.

But beware, always ask yourself: "Will it be possible for me to honor the payment of the installments of a loan?"

3. Postpone expenditures

You know that promotion you should not miss? Or that Christmas break? Or even that wonderful trip? All this can be postponed! Except if you planned to make such expenses, at this time of year the time is of control and economy.

"Assessing current spending and avoiding unnecessary purchases will not only help in this stressful start of the year, but it will bring about a permanent economy, making possible that dream trip in the future," he continues.

4. Prioritize

Knowing how to differentiate the inevitable expenses from those not so urgent is very important. Always prioritize essential expenses. Remembering that price surveys can and should be done.

It is also important to know the best form of payment for your pocket. For example, although it is interesting to pay the IPVA and IPTU in a single installment, due to the advantage of the discounts granted, "zeroing" the accounts paying the view can be very dangerous, since unforeseen circumstances may arise.

So it is worth reflecting a lot before choosing the form of payment. The credit card with payment of the minimum or in installments should always be avoided thanks to the abusive fines. This, in fact, is the main factor of financial lack of control of Brazilian families!

5. Take Advantage of Opportunities

Is there any money left? Travel! Enjoy the holidays and enjoy! If you do not have much left over you can have fun with cheap or even free programs: a picnic in the park, a visit to the city's museums, a cinema ... Use your imagination and do not forget to plan even more for the next year.

 

Source: Tribuna da Bahia

To access the Tribuna da Bahia site, click here.

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

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