O payment in installments It is also known as installment purchases. Generally, this type of payment occurs when the consumer chooses to divide the value of a given purchase into several installments that are paid in different months, within the invoice of a credit card or a meat, or even a ticket.
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However, it is necessary to be very careful with these transactions, since, according to the National Confederation of Trade in Goods, Services and Tourism (CNC), the credit card is the biggest consumer expense and has already reached about 88.8% of Brazilian families in terms of debts. For Bruna Allemann, financial educator at Accord Certo, a fintech for debt renegotiation, what determines most of the choices is the profile of the consumer's accounts.
“Many consumers confuse this form of payment with an extra amount to be spent in the month, lose control and sink into debt. Before making any decision, consumers should be aware of the spending limit, based on monthly income, so as not to jeopardize their financial health”, she highlights.
In addition, Allemann also points out that when you make a cash purchase, “When it is possible to program yourself to make an acquisition, even a very expensive product or service, you guarantee that the household budget will not be overloaded with this type of expense". She concludes by saying that “It's no use paying at the time of purchase if this leaves the budget without any slack for unforeseen circumstances”.
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