Smart ideas for using your 13th salary

For those who live on a monthly payment, as it’s been my case for a great part of my life, 

December is a month when we receive an extra salary in some places,

as it is the case with Brazilian labor legislation.


If you didn't already spend it all in Christmas gifts or vacations, journalist Silvia Andrade wrote,

for Nova magazine,

nine ways you can use the extra money. In case you don't use to receive this benefit,

you can use the tips for when you get a bonus or a fat commission.



Spend it wisely


    1. Renew your wardrobe can be a smart spence, but only if you don’t do it often. The secret is in choosing the right pieces, without spending too much; quality clothes that last and that you’ll use often.

    2. Silvia suggests buying an expensive anticelulitis cream with a inovative formula that fights celulitis and localized fat, but I think that investing in getting in shape requires more action; registration fee in a gym, or for any physical activity you like, sportive equipment you’ll actually use or a massage pack are good purchases. As investment in beauty always pays off, a good face cream or essential oils are also worth your money if you remember to use  them regularly.

    3. Silvia also recommends spending in books that help understand why some people, especially women, spend compulsively; Sabotage Complex: How women treat money, by Collete Douling (best-seller Cinderella Complex author), Ed. Record. A self-help book you’ll actually read is a worthy investment that can become a life-changer and give advice not only about your financial habits, but improve overall areas of your life, and also good books on financial education and concepts. Within the same category are also courses and training. Choose something you’ve been wishing to learn about and that you can really put into practice, but be careful to research it well and make sure you’ll get the best bang for your buck.



“You earn more when buying than selling.”

Count Francisco Matarazo



Multiply it


How about using this relatively small amount of money to produce an extra income source?


 4. Applying your 13th in the purchase of a computer and printer can help you make an extra money. Fabio Pina, economist from Federation of Commerce of the State of São Paulo says there’s a growing demand for typing, calculations, spreadsheets and desktop publishing works. But not only, you can also use it to start your own business.


 5. Invest in a private pension plan. Economy journalist Denise Campos de Toledo teaches that,

today, there are plans in the market that can be rescued after two years of application.



6. Use part of your total capital for buying dollars. 

Experts’ opinion are divided about it and no one can guarantee if its quote will stay the same,

fall, or rise, therefore you should buy it with caution.




Save it




    To refrain from December’s impulse with its wonderful shopping opportunities,

we must understand why it happens, psychologist Patrícia Abbud says it’s the balance month,

when we look behind, remember our childhood’s Christmas and fall into depression for missing it.

That’s when we tend to compulsive shopping. She says there are ways to avoid this behavior:


7. Nostalgy out by talking to a friend; it helps bringing the problem back to its real dimension.


8. Walk for forty minutes; the organism releases endorphin, ending the depression feeling.


9. Clean your wardrobe; while you organize, clean and throw away,

you also make an internal tidying which has everything to do with this time of the year.



Sources:


Nova Magazine. Year 25 Edition 300 January 2012, Abril Ed. abril.com.br

Nova Magazine. Year 28 Edition N.° 10 - 325 October 2000, Ed. Abril abril.com.br



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