7 dicas para usar o 13º salário para quitar suas dívidas

Geralmente ele é pago ao final do ano sendo dividido em duas parcelas, uma sendo paga em novembro e a outra em dezembro.

Mas se você está com as contas no vermelho, e precisa resolver essa situação, confira as dicas de como aproveitar seu salário extra para quitar as contas e passar a virada do ano sem sofrimento!

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Não gosta de fazer contas? Tudo bem, você ainda consegue descobrir quanto será o seu décimo terceiro: é só usar a nossa

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Importante dar preferência no pagamento da que tem os juros mais altos, pois são os mais difíceis de eliminar.

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Dependendo da necessidade, é sempre válido negociar os valores em débito com os credores, ou procurar empresas que auxiliem nesse processo.

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Depois de saber quanto do orçamento mensal é comprometido por cada uma fica mais fácil se organizar

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Todo início de ano temos os tradicionais impostos sazonais como IPTU e IPVA, e se você tem crianças em casa a preocupação é matrícula e material escolar.

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Tome muito cuidado, qualquer compra feita nestas datas exige muito planejamento e pesquisa!

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Como trocar um eletrodoméstico ou eletrônico, consertar algo em casa, ou até investir em uma viagem futura, por que não?

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Geralmente ele é pago ao final do ano sendo dividido em duas parcelas, uma sendo paga em novembro e a outra em dezembro.

O Décimo Terceiro salário é um direito trabalhista conquistado em 1962.

Mas se você está com as contas no vermelho, e precisa resolver essa situação, confira as dicas de como aproveitar seu salário extra para quitar as contas e passar a virada do ano sem sofrimento!

O 13º salário geralmente é usado para as festas de final de ano, viagens, presentes e mais...

Não gosta de fazer contas? Tudo bem, você ainda consegue descobrir quanto será o seu décimo terceiro: é só usar a nossa

Nem sempre temos ideia do valor exato que iremos receber, tudo depende do tempo de empresa, valor do salário bruto e afins.

Saiba quando irá receber

DICA 1

Importante dar preferência no pagamento da que tem os juros mais altos, pois são os mais difíceis de eliminar.

Se você tem mais de uma conta vencida, o ideal é organizá-las por valor e juros.

Planejamento

DICA 2

Dependendo da necessidade, é sempre válido negociar os valores em débito com os credores, ou procurar empresas que auxiliem nesse processo.

Renegocie valores

DICA 3

Depois de saber quanto do orçamento mensal é comprometido por cada uma fica mais fácil se organizar

É importante organizar suas despesas em: - Recorrentes - Esporádicas

Coloque suas despesas no papel

DICA 4

Todo início de ano temos os tradicionais impostos sazonais como IPTU e IPVA, e se você tem crianças em casa a preocupação é matrícula e material escolar.

Lembrar das despesas de janeiro

DICA 5

Tome muito cuidado, qualquer compra feita nestas datas exige muito planejamento e pesquisa!

Final de ano tem Black Friday, Natal, Reveillon e durante estas datas somos impactados por diversos anúncios apelativos que tem objetivo de pressionar você a comprar.

Cuidado com as tentações de final de ano

DICA 6

Como trocar um eletrodoméstico ou eletrônico, consertar algo em casa, ou até investir em uma viagem futura, por que não?

Se você quitou suas contas atrasadas e sobrou um pouquinho de dinheiro, que tal engordar sua reserva de emergência ou então investir em algo importante para você?

Saiba com o que gastar

DICA 7