Clipping of news on Brazilian Culture, Law and Citizenship
09/01/2013
This article was translated by an automatic translation system, and was therefore not reviewed by people.
Serasa Experian list of 7 tips how to spend without going into debt in early 2013
Usually at the beginning of the year, prices of many products that were not sold at the end of the year plummet. In liquidations and consumers enjoy the offers are tempting.
"Shopping on impulse can lead to the consumer over-indebtedness," warns Serasa Experian. For economists the institution, Christmas was good for retailers, meaning that people are already in debt. So, those who can not control their spending should avoid shopping without.
Serasa guides consumers planning to apply at all times, to seize the settlement to purchase only what is necessary and advantageous to the buyer.
Seduction
Before you let yourself be seduced by offers, one must relate to the accounts and debts that you already have, also remembering those already acquired in the purchases of the year. "Just so you know whether you can take advantage of trade settlements," advises Serasa.
Another important point is to try to avoid long delays, because they involve more risks and uncontrolled. "Who indebtedness at the beginning of the year will have funding for at least the 1st half," says the institution relying on the period in which there anniversaries important as Easter, Mother's Day and Valentine's Day, in which the purchasing power of consumer may get smaller in this period.
Besides all this, it is important to remember other expenses, ranging from taxes beginning of year, as property taxes and property tax, even holidays and school supplies, in February, there is also the Carnival itself.
Check out some tips compiled by Experian Serasa to avoid debt in the early years of settlement:
Room in the budget
Write down on paper all debts to see if there is room in the family budget for new purchases. Consider that some months are already committed to paying these bills.
Plan everything
Plan purchases from an outfit to a refrigerator. Consider if you really need that product. Discuss the need for purchasing with family and leave home with the exact relationship than you need to buy. This prevents impulse purchases.
Do not forget spending the beginning of the year
As stated above, in addition to paying taxes - like property taxes and property tax - and buying school supplies and tuition, there are holiday expenses like travel, movies, walks. Besides all these, the carnival happens once in February. That is, more spending in sight.
Avoid long installments
If you avoid extend to the shares, the risk of becoming a superendividado will be much lower.
Dates and Gifts
As the first half is full of holidays, such as Easter, Mother's Day and Valentine's Day, it's good to be smart and plan for these days do not get in debt and unable to buy the necessary gifts.
Credit card
Beware of using your credit card. It gives the false impression that we are not spending. Check the invoice total value of purchases old before making a new debt with him.
Miracles and discounts
Finally, beware of discounts miraculous. Search prices in order to know if you are getting a good deal when buying a product in a settlement.
Source: Consumer Rs
Our news are removed entirely from the sites of our partners. For this reason, we can not change their content even in cases of typos.
This article was translated by an automatic translation system, and was therefore not reviewed by people.