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08/12/2016
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Use the extra money to pay off debts and pay bills that arrive earlier in the year; Planning allows you to spend it also with the purchase of goods or with the much dreamed holidays
Updated 11/29/2016
With the 13th salary on the bill, a lot of people think, "Oops, I'm going to toast everything!" But the ideal is to first clear debts and then separate what is necessary to pay bills that arrive at the beginning of the year, such as IPVA, IPTU, car licensing, school supplies, etc. If there is planning, there will be even a small piece of furniture to buy the Christmas presents, plan the next vacation, remodel the house, fulfill a dream of consumption or invest in some application.
Here are some tips:
To clear debts
The trick is to try to pay debts with higher interest rates, such as credit cards and overdrafts first. Then, try to pay installments. Consumers who pay this type of debt before the deadline are entitled to a discount, in accordance with article 52 of the Consumer Protection Code (CDC), which states that whenever a debt is settled in advance, the proportional reduction of interest And other additions. This rule applies to any type of credit or financing: personal loans, vehicle financing, credit in retail stores etc.
If the amount received is not sufficient to settle the debt, the consumer can advance the payment of some installments, as the partial discharge also gives right to discounts. To know how much the discount will be, the consumer can check in his contract how much interest is charged on each installment. This task becomes easier with Total Cost Effectiveness - which details the cost composition - which is mandatory in all credit agreements.
In addition, banks and stores may not charge any type of fee for early settlement, as determined by Central Bank Resolution 3,516 / 07. This rule applies only to contracts entered into as of December 2007. For those signed before, it is necessary to negotiate with the institution.
In case of a lease or leasing agreement, if the settlement is made before 24 months, the bank may charge a fine for breach of contract before the pre-established deadline.
To pay bills
If you do not have debts, set aside a part of your 13th salary to pay bills like IPVA, IPTU, car licensing, and to purchase your children's school supplies if you have them. Try to negotiate the payment of tuition and school fees for children and research well in advance the price of school supplies. Look for cash to get good discounts. In addition, availing materials used in the previous year and still in good condition is, in addition to an economic measure, sustainable.
To save
Start a financial reserve (savings or other type of investment) for a possible emergency during the next year or to apply for a new project or realization of a dream. However, the habit of saving must be monthly, that is, save a portion of your salary every month as soon as you receive it.
To enjoy life
If the idea is to buy consumer goods or Christmas presents for family members, then look up the price in various physical and virtual establishments (there are several price comparison tools that help at that time).
Another tip is to get away from financing and installments. Also avoid using your credit card and passing pre-dated checks. Paying for the view is a great way to keep track of expenses and even get good discounts (if they are not offered, do not hesitate to ask them!). If this form of payment is not possible, pay attention to the interest that will be charged. Do the calculations and see if that spending fits your budget and if those installments will not leave you cramped in the following months.
Also, research the price of the items that will make up the Christmas and New Year's suppers in various supermarkets and fairs.
If the desire is to change cars, evaluate if the 13th salary can be partially used. The ideal is not to rely on credit. If you are traveling, book a part of the 13th to cover accommodation expenses and tickets, for example. Avoid using credit cards, especially outside the country.
Source: Idec
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This article was translated by an automatic translation system, and was therefore not reviewed by people.