The stores and malls were barely out of Children’s Day and set in motion Christmas decorations and promotions. In less than a month, professionals with a formal contract will receive the first installment of the thirteenth, but it is very important not to forget the beginning of the year accounts, such as: I OCT, IPVA, DPVAT, school enrollment, insurance renewal, etc.
Paying the New Year Bills
Here on the Fundico blog we already present the Good Payer Calendar . It is a help for those who like to get organized and plan to pay the bills. The fact is that January is one of the months when Brazilians have more bills to pay.
Fitting all these accounts into the budget that is no bigger can be a big jug, so planning is very important. The consumer must remember to set aside at least a portion of his thirteenth to be able to pay off these debts that arise in January and February. Enter what your sources of fixed income are, what are the variables and the basic accounts.
The suggestion for those who want to get organized financially is always to have a table with their expenses and income so that you can predict which months will be the most costly and dilute this by saving money in months that have fewer bills to pay.
Consider whether you can pay your cash bills using monthly income
Without the use of applications you have, to take advantage of discounts. Put in the family budget spreadsheet the total amounts in the month in which they should be paid. If your balance remains positive, it is worth making these cash payments.
However, you may need to opt for installment payments to pay the bills. In this case, enter the value of the installment in each month of the spreadsheet and make sure that with your current income you can pay off the values month by month. Also remember to calculate if, if you become unemployed, your reserves can guarantee the payment of these debts.
Calculating how much you earn per month and which bills you have to pay helps you understand, for example, how much money you have left over month to month, how much money you have for fun, how much you can invest, and how much you can leave in an emergency fund. .
Not planned and now you don’t know how to pay the start of the year bills? Be careful not to overdraft or miss a bill.
If it’s time to pay the bills and you can’t fit them into your budget, the best solution may be to take out a loan. In this way it will be possible to consolidate the debts and install the amount that did not fit in the initial planning of your expenses.
Remember that when you take out a loan you should look at the Total Effective Cost, to see if the rates are lower than the debt you would be late on, and the value of the installments, to see if you really can afford it.