A first installment of the 13th salary this year must be paid by November 30th for approximately 87.7 million Brazilians, as released by the Inter-Union Department of Statistics and Socioeconomic Studies (Dieese). In total, R$291 billion will be injected into the economy with the payment of extra benefits to formal workers.
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However, with the payment of the 13th salary, the arrival of sexta-feira Negra and the end of year festivities, many consumers end up getting excited about the extra money received and end up spending more than recommended. According to Sicoob's financial educator, Renato Costa, “it is necessary to pay attention to several factors that could have a major impact on the family budget in the coming months”.
Therefore, before making unexpected expenses, it is recommended to do the math on your budget, whether in a spreadsheet on your computer, on paper or even on your cell phone. In the case of workers who have outstanding debts, the most recommended is to use the 13th to pay off existing outstanding debts, and not to make new ones.
How to use the 13th consciously?
With the turn of the year, Brazilians are also faced with classic beginning-of-the-year spending. Among them are IPVA, IPTU and school registration. Therefore, it is necessary to save to be able to deal with financial commitments, which can be alleviated with the correct use of the 13th salary.
If you have no outstanding debts, the best option is to build a financial reserve with this extra amount received at the end of the year. “In the family budget, it is extremely necessary to have a margin for unforeseen events or even to invest in a dream, like opening your own business or taking a cool trip”, explains the financial educator.
Finally, Renato Costa gives four main tips for those who want to use the 13th consciously, namely:
- Set aside part of the amount for expected expenses, such as IPTU and IPVA;
- Organize your finances and pay off outstanding debts;
- Reserve another part for the financial reserve;
- If you have leftovers, invest the rest.