Clipping of news on Brazilian Culture, Law and Citizenship
12/11/2012
This article was translated by an automatic translation system, and was therefore not reviewed by people.
Many people do not wait to receive the 13th salary. With it you can pay off debt, increase savings, buy gifts year-end planning a trip or vacation. While this extra money does not arrive, check out some tips to use it unless you stay tight at the beginning of next year:
Payment of debts
• List all debts (credit card, overdraft, loan, financing, etc.).
• Enjoy the renegotiation campaigns and discharge of debts;
• Prioritize debts that charge higher interest rates such as credit card and overdraft;
• Anticipate paying benefits such as the lending and financing; enjoy the discount proportionate interest. Advance payment may be more advantageous to apply the value in savings for the payment of future installments;
• Enjoy discounts for prompt payment of property tax and property taxes may be more to pay in installments;
• Do not forget the cost of tuition and school supplies;
• Book value corresponding to the renewal of automobile insurance. If you can not view the full payment to book at least the amount for the payment of the first installment.
Program spending the possible end of year
Art: Procon-SP
• List all the expenses for the month and those involving the festive end of year: dinner, new clothes, gifts, etc. hairdresser. List all the people you want to gift, stipulating maximum value;
Important! Control your anxiety and resist the advertising appeals. Know that the year is over, but the bills continue coming.
• Avoid financing, installment purchases on the credit card and postdated checks. Search prices and negotiate discounts for cash payments;
• If you can not pay for their purchases in cash, beware of the interest. Before making the purchase in installments, check deadlines, the amount of the installments and the interest rate that will be charged.
Make a budget planning for the next 12 months
Art: Procon-SP
• If you wish to travel on vacation, calculate potential expenditures on lodging, tickets, meals, travel insurance, car hire, fuel, tolls, sightseeing, souvenirs etc.;
• If the idea is to invest the 13th salary (or what's left of it), review the applications available in the market, taking into account the time you want to use the money, the time required to capitalize (join) the importance desired profitability offered and investment risk chosen.
Anticipation of the 13th
Some banks offer the possibility of early 13th salary. Before deciding to advance, be aware that:
- This is actually a loan that is guaranteed by the 13th salary. Do not use this feature unnecessarily;
- Is only interesting for those who want to pay off debts that have high interest rates, such as credit card and overdraft, for example;
- Interest rates may vary from one bank to another and, as a credit transaction involves other costs (tariffs, taxes). Search and inquire;
- Check with the Central Bank of Brazil (0800-979-2345 or at www.bcb.gov.br site) which financial institutions are authorized to make loans.
Source: PROCON SP
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This article was translated by an automatic translation system, and was therefore not reviewed by people.