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Have you been thinking about how to use your early thirteenth in the best way? We know that, despite the desire to use this money for travel, to update the furniture at home, buy new clothes, etc., we cannot spend like there's no tomorrow, especially if we have outstanding debts.
Therefore, it is very important to pay attention to the way you use this feature so as not to run out of money in your pocket in the future. your financial life! Let's go.
The thirteenth advance can be used for different purposes, but it is important to have financial planning.
The thirteenth salary is a right guaranteed to workers with a formal contract (CLT), to INSS retirees and pensioners. It corresponds to an amount equal to the monthly remuneration (or proportional for those who have not worked for 12 months in the company).
The thirteenth salary is considered an “extra remuneration” and is entitled to employees who have had at least 15 days of employment with the organization.
In 2020, due to the pandemic, the federal government launched a provisional measure to anticipate the thirteenth salary for INSS retirees.
Currently, this measure is still in force for retirees, people who receive a pension and some types of aid.
In addition, some banks and financial institutions have loan types called early thirteenth, in which part of the amount is transferred to the customer and another part is retained at the institution.
This is the most important tip, as it is essential to know how to use the early thirteenth correctly so as not to spend the year in debt. Look:
Those who have a lot of debt can take advantage of this amount to settle their bills and organize their financial life.
This is a way to guarantee a clean name in the market and have more opportunities for negotiation in future purchases! Of course, if the amount is not enough, the ideal is to try to negotiate with the operators to reduce your debt as much as possible.
If you have no outstanding debts, great! It will be possible to use the thirteenth in advance to pay general bills for the year such as: IPTU, car insurance, home insurance, and rent, among others.
You can even negotiate discounts for paying these amounts in advance or in a single installment, as is the case with IPTU. This is a way to relieve monthly bills and leave your head free to think about work and investments.
Knowing how to save is essential for anyone who wants to achieve their goals, such as owning a home or changing cars. After all, the more you manage to save throughout the year, the easier it will be to have more money available to make a down payment on a good and reduce the value of the installments.
Having financial savings is also excellent if something unforeseen happens throughout the year, such as an unexpected medical treatment or some household equipment that needs urgent maintenance.
So investing your early thirteenth in an emergency reserve can be an excellent idea.
If you set the goal of buying a vehicle at the end of the year and complementing the value with your thirteenth salary, this is also an option to use the resource.
Maybe your goal is something else, like buying a new television. If this is the case, take advantage of the early thirteenth month to purchase the product in cash and avoid installments throughout the year.
Remember that the most important thing is not to compromise your finances and always keep a reserve for emergencies!
Many people do not remember this, but it is also possible to save money to have stable financial conditions to plan the start of a business.
So, if you have that desire, what do you think about taking advantage of the Christmas bonus advance to structure some expenses and start your own business? There is the possibility of starting a small project in sewing, handicrafts, cooking, confectionery, etc.
