House
May 5, 2024
Minutes To Read: 3

How to make home reform with the 13th salary

how-do-reform-at-home-with-the-13th-salary

The end of the year is the period when we reflect on the months that have passed, reevaluate our attitudes, and make plans for the next year to be better. One of the most common plans at this time is the renovation of the house, as it seeks harmony in the environment for both Christmas and New Year, as for the following year.

With the coming of the 13th salary, which according to Dieese, Intersindical Department of Statistics and Socioeconomic Studies, will benefit about 78 million Brazilians and should inject R $ 118 billion into the economy, the realization of expectations of home improvements is easier, since The amount of money is beneficial for negotiating discounts on labor and building materials.

But it is important to have a structured plan for the completion of works at the end of the year, so that there is no overspending that would compromise the fulfillment of the financial obligations of the beginning of the year that the 13th salary usually assists, such as property tax, property tax, auto insurance. , licensing fee, school supplies expenses, and child enrollment in schools.

Planning for home remodeling should not only include expenses to avoid future problems, but also analyze the current financial situation and check whether this investment is viable or if the year-end allowance should be used in another way. "If the family is heavily in debt, it is better to settle debts before starting the reform," says José Roberto Savoia, professor of finance at USP.

Step-by-Step to Do Works Effectively with Your 13th Salary

Set the duration and how much of your 13th salary will be spent on the job as a whole. Try not to use the full 13th salary. Leave a reservation for emergencies;
Analyze the house, define which environments will receive the modifications, and make a wish list of modifications for each room;
If the renovation requires tearing down or erecting walls, exchanging power and water points, or other complex activity, look with the original house plan in hand for an architect or engineer to see if these changes are possible;
Ask for help from your architect, or even from the builder or bricklayer? if it is a simple reform, to draw up a complete list of all the materials needed to carry out the reform;
Do research on pricing and uses of building materials, read trade publications to choose the right coatings that are consistent with your everyday life, and visit a variety of stores;
Think about whether you will have time to keep an eye on the job, taking care of the logistics of materials and activities. If you plan to travel while the renovation is underway, hire an engineer or architect to take care of it during your absence;
Make contracts with the labor team that contemplate the rights and duties of each party and the prior pricing and timing of any changes that must be made. To ensure that the work is completed on time, it is important to negotiate the closed price of the service and not the days worked, avoiding delays or extrapolating the amount you set aside from your retirement allowance;
Divide the entire reform plan into stages and reshape one environment at a time? prioritizing those most in need of refinishing, to make it easier to manage the resources used and the service performed. This way also avoids stress, if the person stays in the environment and will live with the work;
Choose only one store to buy materials and look for cash to negotiate better discounts.

? The period of works needs to be remembered as an important moment for the appreciation of the property and not become a trauma, capable of postponing the necessary reforms to increase the welfare of the residents of the house. Are simple procedures able to avoid unexpected expenses and relationship problems with the bricklayer or contractor ?, concludes Juliano Ohta, Director of Commodities and Product Marketing at Saint-Gobain Distribuição Brasil.

House renovations are an investment for the well-being of the family as well as financial since, according to experts, it is possible to have more than 30% appreciation in a property after a good renovation. Enjoy your allowance to make this good application of your money!