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headers already sent by (output started at D:\Inetpub\vhosts\blog.dominusauditoria.com.br\httpdocs\wp-includes\theme.php:1409) in D:\Inetpub\vhosts\blog.dominusauditoria.com.br\httpdocs\wp-content\plugins\contestant-rating\cr.class.php on line 304 Strict Standards: Non-static method WP_MatchesMapRegex::apply() should not be called statically, assuming $this from incompatible context in D:\Inetpub\vhosts\blog.dominusauditoria.com.br\httpdocs\wp-includes\classes.php on line 219 Como equilibrar o orçamento com as contas do início de ano? Blog Dominus Strict Standards: Only variables should be passed by reference in D:\Inetpub\vhosts\blog.dominusauditoria.com.br\httpdocs\wp-includes\general-template.php on line 1631
jan
17
2013
Como equilibrar o orçamento com as contas do início de ano?

Começo de ano é sempre muito planejamento para conseguir equilibrar todas as contas: IPTU, IPVA, material escolar, matrícula, entre outras despesas, são os que mais preocupam a cabeça dos trabalhadores. Mesmo quem economizou no fim do ano com as compras de natal ou mesmo poupou o 13º, sempre fica a dúvida do que pagar primeiro e qual a melhor forma de fazê-lo.

É preciso analisar com cuidado quais os débitos devem ser quitados primeiro para que não seja gerada nenhuma dívida. Antes de parcelar qualquer uma das contas, o ideal é analisar o rendimento das aplicações. Caso ele seja maior do que o desconto para pagamentos à vista, vale a pena fazer o parcelamento dos impostos. Ao longo de 2012, no entanto, o cenário não foi muito favorável aos investimentos de renda fixa, valendo sacar o dinheiro guardado e conseguir um desconto para pagamento à vista.

Caso não seja possível realizar o pagamento todo de uma vez, o consumidor deve ter em mente que não deve atrasar nenhuma parcela. O juro do IPTU, por exemplo, pode chegar até 20% do total. Já o valor do desconto do IPVA varia de acordo com o estado, chegando a 5%. Em vista disso, é mais interessante pagar com o desconto do que manter um rendimento que esteja na faixa de 0,5%. A dica também serve para o DPVAT, que pode ser pago junto ao IPVA. Já o licenciamento do carro só pode ser pago de uma vez.

Quem tem filhos também precisa se preocupar com o material e a matrícula escolar. Como esta última representa uma parcela inicial, o ideal é que seja paga à vista. Não sendo possível, tente parcelar esta conta até, no máximo, o meio do ano, já que ela será acrescida às demais parcelas correntes. Também vale a pena contatar a escola para conseguir um desconto.

Quanto ao material escolar, é preciso tomar alguns cuidados. Ao receber a lista da escola, verifique com o professor se realmente será necessário comprar todos os itens e quando eles serão usados. Dessa forma, prioriza-se o que for mais importante no início do ano, deixando os demais para depois. Além disso, pesquise os preços, já que eles variam de acordo com o estabelecimento.

Algumas livrarias oferecem opções diferenciadas de parcelamento, mas o indicado é optar pelo pagamento à vista, no qual se pode conseguir desconto. Uma boa dica é reunir um grupo de pais para que todos comprem no mesmo local, dessa forma, pode-se negociar um desconto maior pela quantidade comprada. Se optar pela compra parcelada, pague sempre em dia, já que o juro do cartão de crédito pode chegar até 230% ao ano.

Para mais dicas sobre economia, contabilidade e auditoria, acesse nossas redes: Twitter / Facebook | Slideshare | www.dominusauditoria.com.br.

Fontes: [1], [2].

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