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The debts accumulated in recent years do not seem to prevent the Brazilians from sleeping in sordid sleep. Instead of using the 13th salary to reduce debt, the majority intends to take the money to save, invest or buy Christmas gifts.
The conclusion lies in the study of credit center SPC Brazil, which shows that 27% have the intention of using the additional resource to save or invest. Already 23% want to shop for Christmas, while 17% want to repay their debts.
This is actually the opposite of what is the corollary of personal finance. It is always recommended to prioritize paying debts, balance the budget, start saving and, if there is something left to eat.
Data from the CNDL (National Confederation of Traders) and the SPC of Brazil indicate that in October, 62.9 million defaulters in the country. The average value of the sum of all outstanding issues amounts to R $ 2,615.98, but 14% do not know how much they owe.
For Flávio Borges, Superintendent of Finance at SPC Brazil, the poll result is disturbing. "We expected people to give priority to debt repayment, but they will buy it, regardless of the financial situation."
He believes that some factors may explain the wrong decision. "There are a lot of people who have been around for a long time, and that is changing their perception of what it's like to be in debt and filthy."
It's as if the consumer was accommodated in this bad situation. , in which he does not have access to credit, which is dangerous.
The expectation of an improvement in the economy may also have contributed to the decision not to give priority to the payment of bills, said Borges. "With the new government, the market is creating optimism, which is reflected in consumers' buying habits, and they tend to be more in debt because they have confidence in themselves." the future. "
In general, it is recommended that people listed in the red use the 13th salary to pay off their debts, giving priority to those whose interest rates are higher.
Once the debts are settled and there is still money left, it is important to save money. The objective is to constitute an emergency reserve giving at least six months of the main accounts of the consumer.
In this way, in case of unemployment, he has the resources to guarantee his budget until he can reposition himself on the labor market.
Consumers are optimistic about the future of the consumer, and the consumer is optimistic about the consumer's future.
The number of people likely to take out a loan rose from 26% to 25% in the first quarter of the year
A Kantar TNS survey shows that 60% of the population is optimistic about the number of people in the family. future, but also cautious. 43%. For Valkiria Garré, president of Kantar TNS Brasil, this optimism will not have a direct impact on purchases at the end of this year – at 42% the economy will not start to improve noticeably until the second half of 2019.
"If nothing happened in November of next year, the honeymoon [com o novo governo] will be over.
Comment and where to invest the 13th salary
1 You have no reserve for emergencies?
Use the 13th to start, your goal is to save 6 to 12 months of the cost of living
Apply in investments that can be withdrawn at any time
Where to place money
in fixed investments
- Selic Treasure
- CDBs
- Conservative funds (provided that administration fees less than 1% per year)
2 Have a reservation? Diversifying investments
For medium- and long-term goals, such as retirement, investing in inflation-indexed securities
Example IPCA + Treasury, which gives inflation plus a rate of interest or CBDs that have the same system of compensation
For the Conservatives
- IPCA Treasury
- Fixed investment, the return of which is known at the time of demand
Who wants to take the risk
- Equities
- Multimedia funds
3 Do you want to increase the contribution of the private pension scheme?
It's a good idea if:
- Your plan is corporate and the company is making an investment equivalent to your investment.
- You want to increase the amount applied in a PGBL to reach the 12% discount cap
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- Think about other types of investments, such as courses and training, which may increase the annual taxable plan.
- Indicate for who makes the income tax return with the full model
future earnings
- Travel can also be entered in the list, with well-planned financial planning
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