Clipping of news on Brazilian Culture, Law and Citizenship
25/01/2013
This article was translated by an automatic translation system, and was therefore not reviewed by people.
In a year when the project Cardoso family was put in the budget day, the arrival of the 13th salary of the 3rd Marine Sergeant Marcos Hilton Chaves Cardoso, 36, last December, was more than welcome. To keep the paycheck free of much of the loan discount sheet payroll, Hilton joined the R$ 3,197.88 of the Christmas bonus (the first part had already been advanced with the holidays) with R$ 11,800 from the sale of the Palio 2002/2003. From next month, the military will now breathe relieved. Altogether, it will save R$ 355.56 monthly.
- I took the money and quitei two loans that had contained the higher interest rates, as the teacher guided me FGV (economist Fernando de Holanda Barbosa Filho) - Hilton said.
The loans were repaid also the longer term: the first, the provision of R$ 110.62 would be paid until September 2015, a total disbursement of R$ 3,539.84, in the second installments of R$ 244.94 would be deducted until January 2016, totaling R$ 8,817.84.
To make good use of the 13th, the Fernando de Holanda recommends that workers examine priorities. The first assignment for the money to be evaluated is the discharge of the debts with the highest interest. Credit card and overdraft, for example, tops the list. Guidance is seeking the bank manager and negotiate a bill payment with rebate value. Also watch out for those who are late to school fees and utility bills and telephone. If you do not pay them, you can have your name included in entries such as SPC and Serasa, which cuts your credit history. Another destination for the allowance may be paid expenses typical start to the year, as property taxes, property tax, tuition and school supplies.
Market 30% cheaper
Those who followed the series since the start of reporting - which ends on Friday - on the turn financial Cardoso family should be remembered that one of the measures housewife aired by Andreia Cardoso, 32, was to help her husband save in supermarket. In stand Guanabara Center Itaguaí, the juices in the box gave way seasonal fruit, and sandwich cookies, the simplest. Goodies, like Ruffles and Fandangos were abolished. The court superfluous, associated with planning of purchases, which are now made at the end of the month and $ Sundays - when there are promotions - yielded a savings of almost 30%.
- Before, we spent $ 500 because something was always missing to complement. Now, the bill is only £ 360 - Andreia proud.: - Last year, I made the desserts Christmas with cans of condensed milk I bought a promotion.
The housewife realized that there are more deals on the last day of the month than at the beginning. And she's right: experts say it is possible to save up to 20% if purchases are made between days 23 and 27.
Source: Extra - Online
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.