13. Payment must inject the Brazilian economy approximately R $ 173 billion by December and benefit 84.4 million Brazilians (Sergio Moraes / Reuters)
Usually, financial advisors recommend that workers keep part of the Christmas bonus to pay for expenses that arise at the beginning of next year, as with school supplies and IPVA vehicles. But in 2015, the setting is unusual. Rising unemployment has pulled up household debt, as attested recent survey from the National Association of Executives in Finance, Administration and Accounting (Anefac), according to which three out of four workers intend to use the extra pay to pay debts.
As the most likely of little (or no) money to follow the tips recurring financial oracles, what better option? "Pay off debts, and first those with higher interest rates," says Mauro Calil, a specialist in the Bank's investments Ourinvest. . "In these situations it's no use: we have to be conservative."
In a hypothetical scenario in which the worker earns 2,000 reais per month and has 1,500 real debt on overdraft and 1,500 reais in credit card, the wise, Calil says, is to liquidate the debt that has the highest interest. "So the ideal is it pay down the revolving card and, with the remainder, write off 500 actual overdraft", suggests the expert.
The next step is to see which bills arrive in the first three months of the year, such as property taxes, property taxes, school supplies and tuition school and college. A basic account to know how much to save for these years of start-up costs - this, of course, if there where take-saving: just add 15% compared to what is spent on these same accounts in the previous year, says Calil.
A third scenario: the worker will have plenty of money or does not have debts on your behalf. "In this case, it is worth thinking about applying the benefit. A fixed income fund short-term highly liquid, for example," says the expert. "Nothing preposterous."
When some money left over at the end of year, many people took the opportunity to fatten Christmas dinner and give a neat gifts. But given the current scenario, prudence is recommended. "Next year will not be the best, it's good to have some reserve, should be a Christmas and a New Year's little hope," says Calil.
Mauro Halfeld, personal finance expert also recommends fixed income to strengthen its emergency reserves with a possible surplus of the thirteenth. "The best alternatives are the Treasury, the Selic in Treasury Direct, LCAs, the CDB and DI funds," he says.
Small debt to large debt - Professor of personal finance Insper Liao Yu Chieh also reinforces the recommendation of moderation in the year-end shopping - and if necessary pick, is chosen for the payment of debts, even if the Debt is something little, 100 reais, for example. "With 15% interest per month, these 100 reais 200 reais seen in five months," says the professor.
Rodrigo Marcatti, director private banking (area aimed at high-income customers) of Banco Fator says that the best thing to do about Christmas shopping is expected promotion later. "Spend wisely, negotiate with family members to stop giving this Christmas and think about present them later, when they begin to appear the best deals," he advises.
Marcatti says that now is the time to pay off the debts and have a reservation. "You must have a saved money because the person who is employed today do not know whether it will be next year," he explains. "It is debt? Talk to your manager, negotiate, look for a particular condition, a discount and see what is possible."
As important as prioritize the payment of debts is not to create new, says Mauro Calil, the Bank Ourinvest. "There are many deals involving the thirteenth," said Calil. "But you can not fall for that."
