O 13º é uma oportunidade para quitar dívidas
De acordo com o último Mapa da Inadimplência do Serasa, 39,2% da população do Maranhão estão inadimplentes. Apesar da quantidade de devedores no estado estar abaixo da média nacional (43,9%), o número ainda é considerado elevado.
Devido ao alto número de maranhenses endividados, o pagamento do 13º salário – cuja primeira parcela deve ser paga aos trabalhadores no máximo até 30 de novembro – representa uma oportunidade para a população abater ou quitar dívidas que se acumularam ao longo do ano.
De acordo com uma estimativa realizada pelo Departamento Intersindical de Estatística e Estudos Socioeconômicos (Dieese), o 13º deve injetar R$ 291 bilhões na economia brasileira, valor correspondente a 2,7% do PIB nacional.
Segundo Erlivaldo Bandeira, especialista em investimentos e consultor de negócios da Central Sicredi Nordeste, o direcionamento desse dinheiro vai depender da situação financeira e dos objetivos do trabalhador, mas a prioridade deve ser a quitação das dívidas.
“Para quem está endividado – e especialmente para os inadimplentes -, o décimo terceiro deve ser sempre destinado para o pagamento de dívidas pendentes, e não para fazer novos compromissos financeiros”, explica Erlivaldo.
“Caso não esteja endividado, é sempre bom pensar a longo prazo e evitar imediatismos. Iniciar um plano de investimentos ou criar uma reserva de emergência são boas opções de como aplicar o décimo com sabedoria”, acrescenta.
Para quem está em dia com as contas, o 13º também pode ser utilizado para adquirir produtos ou serviços – afinal, o consumo no comércio costuma aumentar no final do ano, com períodos como a Black Friday e o Natal. Conforme Erlivaldo, a dica para quem vai às compras é pagar à vista, evitando ao máximo o parcelamento.
“Planeje suas compras de final de ano dando preferência para compras à vista e evitando o uso excessivo do cartão de crédito”, diz. “Caso precise parcelar, tenha consciência que o parcelamento vai comprometer parte de seu salário pelos meses seguintes. Por isso, quanto menor o número de parcelas, melhor”, explica Erlivaldo.
Uma boa maneira de evitar o endividamento nos últimos meses do ano é fazer uma pesquisa prévia dos itens que você pretende adquirir. Dessa maneira, é possível encontrar descontos e comparar os preços em diferentes lojas.
“Esse é o momento em que é essencial pesquisar e planejar para economizar e evitar sustos financeiros no ano seguinte”, recomenda o especialista. “É preciso ter um orçamento na ponta do lápis para que você tenha uma noção clara do que pode gastar, listando todas as despesas e prioridades. Assim, você evita gastar mais do que pode”, conclui.
Central Sicredi – Neste ano de 2023, a Central Sicredi Nordeste completa 30 anos de atuação, auxiliando no cooperativismo financeiro das regiões e contribuindo com a economia local, geração de emprego e renda, inclusão e educação financeira e no desenvolvimento regional. A Central atende, suporta e apoia as cooperativas filiadas, que atualmente, no Nordeste, somam 145 agências do Sicredi e cerca de 210,8 mil associados entre os estados do Maranhão, Piauí, Ceará, Rio Grande do Norte, Paraíba, Pernambuco, Alagoas, Sergipe e Bahia.
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Slotica to dynamiczne kasyno w internecie, które zdobyło uznanie graczy w Polsce oraz poza jej granicami. Dzięki swoim unikalnym zaletom jest doskonałym wyborem zarówno dla początkujących, jak i doświadczonych entuzjastów gier hazardowych. Jednym z największych atutów platformy jest pełna obsługa w języku polskim, co ułatwia grę zarówno osobom z Polski, jak i Polakom mieszkającym w Niemczech czy Holandii.Jednym z wyróżników kasyna jest brak konieczności weryfikacji konta, co umożliwia natychmiastowe rozpoczęcie gry. Ekspresowe wypłaty wygranych oraz obsługa popularnych metod płatności, takich jak Revolut, czynią korzystanie z platformy wyjątkowo wygodnym. Co więcej, kasyno akceptuje płatności w polskiej walucie, oferując stawki zaczynające się już od 1 grosza – dzięki temu każdy gracz znajdzie tu coś dla siebie, niezależnie od budżetu.
Platforma Slottica to miejsce, w którym pasja do hazardu spotyka się z technologią najwyższej klasy. Od momentu uruchomienia w 2019 roku kierujemy się zasadami fair play, ochrony danych osobowych oraz ciągłego rozwoju oferty. Posiadamy ważną licencję międzynarodową Curaçao eGaming (nr 8048/JAZ2018-040), co potwierdza naszą wiarygodność i zgodność z regulacjami branżowymi. Tysiące aktywnych użytkowników z Polski wybiera nas każdego dnia.
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Witamy w polskim legalnym internetowym kasynie Slottica – miejscu stworzonym dla hazardzistów online w Polsce! Casino Slotica w polskiej wersji językowej otwiera przed Tobą świat pełen emocjonujących gier za darmo i atrakcyjnych nagród bez rejestracji. Strona przyciąga nowych użytkowników między innymi premią powitalną 25 zł bez konieczności wpłaty depozytu. W badaniu przeprowadzonym wśród ponad 8500 graczy wielu z nich wskazało Slottica jako jedną z najciekawszych stron z automatami online dostępnych w Polsce. W katalogu gier znajdują się znane produkcje, w tym Chicken Road 2, Fire Joker, Funky Time, Dog House 1000 czy Energy Joker: Hold and Win. Od momentu startu projektu w 2019 roku platformie zaufało już ponad 350 000 użytkowników. Serwis działa na podstawie licencji wydanej przez regulatora z Curaçao, co zapewnia zgodność z europejskimi standardami branży iGaming. Ambicją marki jest oferowanie jakości usług, która może skutecznie konkurować z popularnymi serwisami pokroju TotalCasino.
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