Smooth performance not hurt the pocket at the time of tag
This article was translated by an automatic translation system, and was therefore not reviewed by people.
Andrea Machado e Cristiane Campos
You can celebrate the wedding party playing the dream in the form of consortium in up to 48 plots from just R $ 109
Rio - The new law creates a consortium alternative for those who plan to marry without weight in his pocket. The inclusion of the item "services" allows administrators to offer shares to cover the ceremony, party, honeymoon, day of the bride and the wedding night. With U.S. $ 109 per month, the lovebirds can begin to plan the party of dreams. Rodobens Consortium and offer Embracon mode. The shares are sold from $ 4 thousand, with payment of up to 48 months.
Contemplation of the letter of credit happens randomly or bid. The plots and the value of the letter are fixed annually by an inflation index. The system will charge an administration fee, insurance and in some cases, the reserve fund.
According to the executive director of the Consortium Rodobens, Sebastião Cirelli, the model is new and can be used to pay for any wedding. "This is a market that does not allow splitting a longer, ie, no later than the day of the ceremony. Therefore, the extent of the consortium will help. This allows the couple to bring the value of the unit the monthly budget, "explains Cirelli.
Another advantage is that the couple can buy a quota to increase the value of the claim. According to the regional manager Embracon, Antonio Mizael Catharino, the extent of services already have three groups with 144 participants each. "We have cards ranging from $ 5 thousand to R $ 20 thousand, with a maturity of 36 months," says Catherine. He points out that there is a lot of bid fee of 25%. There are also facilitated the move. If the person has not advance money to the card, you can use 25% of value - this percentage will be slaughtered in the delivery of money.
Groom more prevented, who fear an unexpected interfering with the party, have another option: hire the "Marriage Insurance", which since April, covering ceremonies throughout the country with only $ 55 per month, you can cover, for example the cancellation of the ceremony.
Contracts and agreements in writing only
What was to be a night of dreams almost turned into a nightmare for the systems analyst Sandro Tavares, 23 years. Problems with a provider of personalized mugs and the DJ gave a lot of headaches for the bride. To prevent these problems from occurring, the Procon de São Paulo has a guide to prevent couples from falling into stolen.
The guidance, first, is researching a lot and compare prices. Agreement of mouth is prohibited. Everything should be recorded in the contract so that if a problem occurs, the couple can claim, including legal action.
"I bought mugs on the Internet, but the supplier until today did not give them. She even returned my money, but many girls failed and went to court, "said Samira. According to the Code of Consumer Protection, the combination does not run, the person may require forced compliance with the obligation to accept another equivalent product or the refund of the amount paid.
The forms of payment, discounts and any description of services and products must also be established in the contracts.
Creativity and foot on the ground prevents debts
Joining forces since the engagement is the advice of Gustavo Cerbasi. For the author of 'earthed', the organization of marriage is a rehearsal for life together. "Instead of the sum of individual budgets, the couple builds single financial life" advocates. The consultant Reinaldo Domingos reinforces that we must be realistic and comply with their standard of living at the party.
The dentist Steven Morris joined tips of the Internet and creativity and dismissed the decorator. Used classic sweets instead of the fondos. With recycled glass, decorated the tables and spent six times less: "I was afraid to be ugly or tacky, but everyone liked."
Reinaldo recommends short-term investments such as savings or CBD, but we must cut spending. "You can not have everything at the same time," he says. To Cerbasi in the engagement, it cut spending on leisure and clothing. "The sacrifice is worth the time and a good reward," he explains.
Emanuelle Missura, cerimonialista indicates items that must be guaranteed: visual bride, photo / film, sound and catering. "To spend less, the tip is to have a guest list lean. With that, can you save on multiple items, "he says.
PREPARING THE POCKET
R $ 25 mil
In consultation with 40 brides made by the DIA, this was the average of the total budget of the wedding party, including from the dress to the civil and religious documentation. A third of them plan to spend up to $ 14 thousand and another third will invest more than R $ 40 mil
R $ 960
According to Reinaldo Domingos, if the couple save this amount every month in accordance with a yield of 0.7%, will reach U.S. $ 25 thousand in two years. In one year, the value would be reached with plots
R $ 2.005. The council is to gather money to avoid debt
MORE TIPS
CIVIL PROCEDURE
Married on paper is expensive. You have to notarize (£ 4.77), authenticate documents (£ 4.89) and pay about $ 250 for a marriage license.
END OF COLLECTION
Notaries also require a birth date, which costs at least $ 40. But soon, the demand will fall. The Magistrate of Justice will release a notice suspending the need to update.
CHURCH
Marriage in the Catholic Church requires that the couple hand over the certificate of baptism updated (is paid). We still have to pay fees for the church and of course engaged.
ECAD
At parties with music, the couple must pay the Ecad (Central Bureau of Collection and Distribution). The calculation varies: 15% of the value of the contract or agreement with footage of the site. There are decisions in court and against the payment.
Source: The Day Online
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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