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At least two Brazilians out of each group of three do not anticipate additional spending at the beginning of the year, such as the IPTU (Urban and Territorial Tax), the IPVA (Tax on properties of motor vehicles) and school supplies. This is revealed by a study conducted by the CNDL (National Confederation of Traders) and SPC Brazil (Credit Protection Service). According to the survey, the percentage of consumers who have not collected money during the year to cover these seasonal expenses is 69%.
The survey also shows that only 9% of Brazilians report being able to settle their accounts with and that 11% of respondents did not make any type of planning for the typical engagements of that period. Most of the time, they end up borrowing – a special check, a credit card – that was already putting a lot of people into debt at the beginning of the year.
To find out more:
Cesare Battisti
"It is recommended that the consumer have already planned at the end of last year a planning of his seasonal expenses Separate a monthly amount for this purpose. "Marcela Kawauti, chief economist of SPC Brazil, said those who have not yet had the time or have not thought about the need to streamline the organization so that she does not suffer from suffocation, "she says, once the payment of IPTU and IPVA." Thus, the consumer gets rid of these expenses and undergoes less pressure in the following months, "he says.
Payment in cash or by installments?
To find out if the discount is advantageous for payments, the consumer must make a calculation.The most important step is to determine if the discount offered is greater than the amount that would bring the money back if v We were in a financial application. Still observing that states and municipalities have their own reduction rules. See simulation:
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