Fuja das dívidas com planejamento e uso racional do 13º nas compras

Pesquisa realizada pelo Ipes (Instituto de Pesquisas Econômicas e Sociais), do Uni-FACEF, indica que os consumidores planejam pagar suas compras de Natal à vista. A coordenadora do IPES, Profa. Dra. Melissa Franchini C. Bandos, acredita que o consumidor este ano está mais consciente para fazer as compras natalinas e cauteloso na forma de realizar pagamentos. Matéria do GCN dá dicas de como evitar dívidas. Leia a matéria na íntegra, abaixo:

 

Fuja das dívidas com planejamento e uso racional do 13º nas compras – Lydia Rodrigues

Com GCN

 

Planejar os gastos, usar de modo sensato o 13º salário e aproveitar os descontos no pagamento de impostos. Essas são algumas dicas de economistas e especialistas para não passar o fim do ano sem dinheiro ou iniciar 2016 com dívidas.

Segundo o diretor do Procon Franca, Willian Karan Júnior, o final e o começo do ano são períodos de grandes gastos. “Todos querem presentear no Natal, mas se esquecem dos gastos obrigatórios do começo do ano como os impostos”, disse o diretor.

Para evitar apertos financeiros, a orientação do Procon é guardar parte do 13º para gastos como IPTU, IPVA, material e matrículas escolares. Além dessa estratégia, Karan orienta os consumidores a pouparem o salário mensal. “É preciso gastar com responsabilidade e o ideal seria reservar de 20% a 30% do salário recebido”, disse.

A coordenadora do Ipes (Instituto de Pesquisas Econômicas e Sociais), Melissa Franchini Bandos, acredita que o consumidor este ano está mais consciente para fazer as compras natalinas e cauteloso na forma de realizar pagamentos.

Uma pesquisa encomendada pela Acif (Associação do Comércio e Indústria de Franca) ao Ipes e divulgada na semana passada reforça essa tendência. “O estudo mostra que 34,3% dos consumidores pretendem usar, de modo parcial ou integral, o 13º na compra de presentes. No ano passado, esse índice era de 54%”, disse Melissa Bandos.

Essa postura de economia também tem sido percebida na forma de pagamento, que, pelo menos entre os entrevistados durante a pesquisa, deve ser feito à vista pela maior parte dos consumidores.

Impostos

Outra dica da coordenadora é antecipar a compra do material escolar, que costuma ser a reajustado no começo do ano e com a proximidade do início das aulas.

Sobre os impostos, o economista Donizeti Tridico lembra que é preciso analisar e aproveitar as taxas de desconto. No caso do IPTU, por exemplo, o pagamento realizado até 15 de janeiro traz desconto de 10%. “Se a pessoa estiver com dinheiro, o recomendado é pagar à vista. Ela vai economizar e se livrar de responsabilidades futuras”.

Planeje

Uma folha de papel e um pouco de calma completam a receita dos economistas para não exagerar nas contas: é preciso planejar e não ter pressa para comprar. “A ansiedade acelera as compras e gera despesas a mais. As pessoas devem fazer uma lista de prioridades para definir no que gastar e escolher o que pagar primeiro”, disse o economista Vicente Golfeto.

DICAS

Organize seu orçamento:

• Não use o 13 º salário apenas em presentes de Natal e compras para o fim do ano;

• Aproveite os descontos para pagamentos à vista de impostos como o IPTU;

• Antecipe a compra de material escolar para obter melhores preços;

• Poupe de 20% a 30% do salário mensal;

• Contenha a ansiedade na hora de comprar. Tente não agir pelo impulso. Faça compras conscientes; e

• Faça uma lista com a prioridade de gastos.

Profa. Dra. Melissa F. C. Bandos. Crédito: GCN

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