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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 Qual a melhor forma de usar o 13º salário? 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
nov
05
2013
Qual a melhor forma de usar o 13º salário?

O final de ano está chegando e, com ele, o tão sonhado 13º terceiro salário! Algumas empresas optam em pagar a primeira parcela já em julho, mas, de acordo com a Consolidação das Leis Trabalhistas – CLT, o pagamento do décimo deve feito com a primeira parcela até o dia 30 de novembro e a segunda até o dia 20 de dezembro.

A dúvida de muitas pessoas é: o que fazer com esta renda extra? É importante lembrar que, logo após as festas de natal e ano novo, chegam os inúmeros compromissos financeiros anuais. Portanto, é importante ficar atento às despesas e não extrapolar, sempre reservando uma quantia para amenizar os gastos do ano seguinte.

Segundo especialistas, a prioridade do décimo terceiro deve ser a quitação de dívidas, principalmente em relação ao cartão de crédito e ao cheque especial, pois os juros são elevados, e o não pagamento pode acarretar grandes prejuízos financeiros. Esta seria uma atitude mais prudente e imediata. Para facilitar o pagamento das contas, o ideal é que seja utilizada uma planilha onde possam ser enumeradas todas as dívidas e suas devidas quitações.

Depois de concluída esta etapa, é importante fazer uma lista das despesas para o início do ano e reservar uma parte do décimo para pagá-las. É preciso lembrar que, em janeiro, há outros gastos importantes, como o material escolar, a renovação de matrículas, o Imposto sobre a Propriedade de Veículos Automotores (IPVA) e o Imposto Predial e Territorial Urbano (IPTU), entre outras cobranças.

Se ainda sobrar algum dinheiro, uma boa dica é investir na poupança, já que está proporcionando bons rendimentos devido ao aumento da taxa Selic – juros básicos da economia – e se mostrando vantajosa em relação à Bolsa de Valores.

Planeje o  que fazer com seu 13º salário antecipadamente para melhores resultados! Acompanhe outras dicas sobre como utilizar melhor seu dinheiro em nossas redes sociais: Facebook | Twitter | Slideshare.

Fontes: [1][2][3]

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