With the arrival of the new year, it is common for adjustments to appear in various expenses, especially in taxes such as IPVA (Motor Vehicle Property Tax) and IPTU (Urban Property and Territorial Tax). These values ​​usually change annually, influenced by factors such as updating the calculation base, inflation and local policies. Therefore, preparing helps to maintain your financial health and avoid unpleasant surprises in your budget.

“Reviewing the budget, creating a specific financial reserve and searching for information about discounts and installment options are essential practices to maintain financial health during this period of the year. Furthermore, cutting superfluous expenses and seeking savings in other areas can help offset increases”, explains Isabel Ermisa Alarcon Pizzorno, coordinator of the Accounting Sciences course at Faculdade Anhanguera.

Long-term financial planning, combined with economic education, allows for more effective management of resources. A professional finance can also provide personalized guidance, ensuring that readjustments are handled in an organized and smooth manner.

“Awareness and organization are essential to face adjustments smoothly and effectively. You can also prepare using your thirteenth salary, but in a way that involves long-term planning”, adds the teacher.

Below, she shares practical tips on how to organize yourself financially and not feel the impact of readjustments. Check it out!

1. Budget Review

Review your monthly and annual budget to include expected adjustments. Consider all fixed and variable expenses, and adjust your planning to accommodate increases in taxes.

2. Financial reserve

Create a specific financial reserve to cover adjustments to IPVA, IPTU and other taxes. Having a reserve can help avoid the negative impact of these expenses in your monthly budget.

3. Consult the adjustment tables

Check the IPVA and IPTU adjustment tables published by the responsible bodies. Knowing the exact amount of taxes can help you better plan your finances.

4. Discount information

Some states and municipalities offer discounts for paying in advance or in cash. Find out about these options to take advantage of potential savings.

5. Installment

If payment in cash is not feasible, check the installment options offered by the responsible bodies. Plan payment of installments within your budget.

6. Cut superfluous expenses

Analyze your expenses and identify areas where you can cut unnecessary expenses. Reducing non-essential expenses can free up resources to cover tax increases.

7. Economy in other areas

Look for ways to save in other areas, such as electricity, water and food. Small savings can add up and help offset adjustments.

8. Investment Review

Consider reviewing your investments and seek alternatives that offer better performance. Long-term financial planning can help create a larger reserve to cover future adjustments.

9. Financial education

Invest in financial education to improve your planning and resource management skills. Knowledge about personal finances can help you make more informed and effective decisions.

10. Finance professional

If necessary, consult a financial professional for guidance on how to prepare for the adjustments. A financial advisor can help create a plan customized for your needs.

By Letícia Zuim Gonzalez