Extra money helps thousands of Brazilians with financial difficulties. The 13th of the National Social Security Institute, INSS could be an option for pay off debts or achieve financial goals. But you need to pay attention to your dates.
The government chooses the last NIS number to define the date on which payment will be made. From April 25th, for the final digit 1, it will be possible to receive the amount. Check out the full calendar below.
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Dates for the 13th of INSS
For those who receive up to 1 minimum wage, the first installment of payment starts in advance. The dates differ for those who earn above 1 minimum wage. In the second case, receipt takes place a week later.
For the people who earn 1 minimum wage the days are as follows:
According to the final digit of the NIS: 1 – 25/04, 2 – 26/04, 3 – 27/04, 4 – 28/04, 5 – 29/04, 6 – 02/05, 7 – 03/05, 8 – 04/05, 9 – 05/05 and 0 – 05/05.
For people who earn above 1 minimum wage the days are as follows:
According to the final digit of the NIS: 1 and 6 – 02/05, 2 and 7 – 03/05, 3 and 8 – 04/05, 4 and 9 – 05/05, 5 and 0 06/05.
When will it be possible to receive the FGTS?
On the other hand, the FGTS is now available for consultation. You can check the amount via the Caixa Tem app or through Caixa Econômica Federal branches. In this situation, the money is released according to the worker's birthday month.
According to government forecasts, the focus is to make around R$30 billion available. Thus, the economy helps around 42 million people. This action could contribute to GDP growth this year.
Before redeeming the money, know some details. If the amount remains idle, it only yields 3% per year, this is less than in other applications. Furthermore, this amount helps workers with their debts and high interest rates.
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Payment of debts with INSS money
Financial problems usually involve debt. In this case, it is necessary to pay off debts as quickly as possible, especially those that are past their due date. In order not to make the task difficult, start with the overdue accounts with the highest interest rate.
According to data from the Central Bank, the credit card has a fee of 346.3% per year. On the other hand, the overdraft has interest of 128.4% annually. Therefore, even with this advantage, prevent salaries from increasing.
Another important factor is that the money must be used according to priorities. It is essential that if direct the amount to riskier areas, such as basic needs. Among them, water, light and food stand out.
Therefore, if the use of money is a matter of necessity, make sure it is being well directed. On the other hand, there are options for those who want to use the amount for an investment. So, check out the other options.
Investments and reserves
For those who are not in debt, investing is a good option. In this scenario there are also priorities that must be followed to avoid losing money. Therefore, always invest according to the amount you have available.
If the objective is to create an emergency reserve, invest your money in fixed income. Furthermore, check whether the application is low risk and has daily liquidity.. This way, the investment becomes more beneficial in the long term.
Excellent extra income options are applications such as Treasury Direct, CDBs, Treasury Selic and CDIs, for example. Furthermore, creating an account with an investment brokerage is super simple and quick, through Internet.
If your emergency reserve is already consolidated, it is possible to invest in more risky investments. For that, invest in real estate funds, stocks and fixed income bonds with long maturities. Thus, the return can be greater, but with responsibility.
Did you just see how It can be simple to take care of your money in a smart way? With strategy and discipline, it is possible to use extra amounts, such as INSS and FGTS, to boost your finances in 2022.
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