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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 Restituição do imposto de renda: qual a melhor forma de usar? 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
jul
25
2013
Restituição do imposto de renda: qual a melhor forma de usar?

Após os meses de correria com a declaração do imposto de renda, chega a vez das restituições. O uso do dinheiro liberado pela Receita Federal pode ser de bom uso em alguns casos, seja para usar como investimento ou para sanar dívidas. A faixa de valor da restituição do imposto de renda varia por cada contribuinte.

O primeiro lote liberado em 2013 contempla quase dois milhões de pessoas, com a restituição referente ao ano-calendário 2012. O lote marcou um recorde, num valor de R$ 2,8 bilhões pago aos contribuintes no mês de junho. Esse é o momento ideal para avaliar a melhor forma de usar o dinheiro, conforme o objetivo financeiro desejado. Veja abaixo três perfis financeiros que podem se beneficiar com a restituição!

» Sanar dívidas

Em caso de prestações a pagar, mas que não possuem atraso, o indicado é não utilizar a restituição para adiantar os pagamentos, já que ela pode ser destinada pra um momento futuro. No caso de uma dívida acumulada, usar esse dinheiro pode ser uma alternativa para sair da inadimplência. Mas é importante lembrar-se de pagar a causa do endividamento, tentando negociar a dívida com a cobradora.

» Reserva Financeira

Para aqueles que mantêm as dívidas em dia, mas não conseguem manter uma reserva financeira, essa é uma boa oportunidade para começar. Guardar dinheiro para uma emergência futura é muito importante e é preciso criar o hábito de economizar. Também é um momento oportuno para avaliar o padrão de vida e as razões para não guardar o dinheiro.

» Investimento

Por outro lado, quem já conta com uma boa reserva financeira, pode escolher melhor o que fazer com a restituição. Realizar melhorias que contribuam para o bem estar ou alcançar objetivos é um bom propósito. Planejar uma viagem ou fazer uma reforma com este dinheiro evita tirar o dinheiro da poupança ou de um investimento.

Avalie a faixa de valor que será paga na sua restituição e invista dentro do seu planejamento financeiro! Este é um momento oportuno para usar o dinheiro de forma benéfica!

Acompanhe a Dominus Auditoria também nas redes sociais para saber mais sobre finanças, contabilidade e consultoria organizacional: Facebook | Twitter | Slideshare.

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