For those who spend all year tight, waiting for this moment, here he knocks: the 13th salary is the favorite Christmas gift of most Brazilians. The big difficulty is actually using this money to fulfill those financial purposes made during the rest of the year. What needs to be done, then, so that the 13th income more?
Pay late bills
Typically, during the year, we accumulate some accounts that fall behind because they exceeded the planned monthly budget. On receipt of the 13th, make a survey of accounts payable and, if possible, renegotiate with creditors to pay the debt in cash. Many of them will have no problem offering good discounts as you will be available to repay the debt at one go.
According to the National Association of Finance, Administration and Accounting Executives (Anefac), most Brazilians who will receive the 13th salary in 2012 will choose to use it to settle overdue accounts. About 75% of Anefac respondents said they would use the extra money to get rid of these financial backlogs.
If you choose this option, be sure to pay off your credit card debt first, as interest charges are usually high and the amount can increase rapidly, the longer you take to pay. To prevent this issue from recurring next year, try to better plan your spending and manage your budget.
Save for a higher purpose
If you have no debt waiting to be paid, why not keep the 13th salary in full? You can apply it in to a savings or fixed income fund while waiting for the best opportunity to invest it in a larger project. For this, take notebook and pencil and set priorities for the coming year. What would you like to buy? An apartment, a new car, your own business? Anything is possible when there is planning and your 13th can be the start of a project that will improve your life.
Use on a long-delayed short-term project
Almost every woman has small projects that she puts off postponing because she never has the money to do it. Are these little wishes far from a sin and? If you don't intend to invest in something bigger and don't have overdue accounts? The 13th may be a good opportunity to finally get the plans out of your imagination.
Here comes that incredible trip you would like to make, the long-desired plastic surgery, the exchange of furniture and appliances, in short, things that you dream of and do not require such a large amount of money. If that's the case, spend it mercilessly, after all, it's not anyone who comes to the end of the year with money available for those perks, and if you did, make sure you deserve to give yourself a gift in style. Do not feel guilty for not saving every penny, always remember that you need to save money, but money is mainly for comfort.
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