What is the best way to save money received from your 13th salary?

Do you know what would be the best way to save the money you receive from your 13th salary?

In short, the 13th salary is a unique opportunity in the annual budget of many Brazilians.

Usually received at the end of the year, it is often seen as financial relief, a gift to pay off debts or make dreams come true.

However, using it strategically can generate benefits that go far beyond the short term.

Let's explore smart and practical ways to save the money received from the 13th to ensure a more peaceful future.

1. Pay Off Debt Before Thinking About Investing

One of the first steps for anyone receiving their 13th salary is to assess their financial health.

In this sense, if there are debts with high interest, such as credit cards or overdrafts, prioritizing their payment is essential.

In other words, this is because the interest on these types of credit, often exceeding 300% per year, can compromise any long-term financial plan.

When you pay off a debt, the money you “save” is actually the savings on the interest you won’t pay.

Consider making a list of your financial obligations, identifying those that have the greatest impact on your budget.

Furthermore, renegotiating debts can be an excellent strategy to maximize the use of the 13th salary, reducing the final amount to be paid.

If your debts are already under control, you can direct the money towards other financial priorities.

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The ideal is to avoid the temptation to spend impulsively. After all, using your 13th salary with planning does not mean deprivation, but rather the construction of a solid financial foundation.

2. Save money received from your 13th salary: Build or Reinforce Your Emergency Fund

If you don't already have an emergency fund, the 13th is a perfect opportunity to start.

This reserve should correspond to at least three to six months of your monthly living expenses.

In this way, it functions as a financial cushion for unforeseen events, such as health problems, job loss or family emergencies.

An efficient way to save money for the reserve is using an automatic income account, such as interest-bearing accounts in digital banks or Tesouro Selic.

These products offer daily liquidity and higher yields than savings, allowing your money to grow while remaining accessible if needed.

Avoid investing your emergency fund in risky products, such as stocks or real estate funds, as volatility can compromise your resources when you need them most.

In short, choose safe investments, with predictable returns and short redemption periods.

3. Save money received from your 13th salary: Invest with a focus on the long term

After paying off debts and securing an emergency fund, the next step is to think about the future.

Saving the money you receive from your 13th salary in long-term investments can be a transformative decision.

Therefore, choose investments that align with your goals, whether it be retirement, buying a property or your children's education.

A comparison table can help identify the best investment options:

Diversified investments are ideal for reducing risk and increasing return potential.

The important thing is to balance security and growth, always respecting your investor profile.

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4. Plan Short and Medium Term Dreams

The 13th can also be a tool to make dreams come true, as long as it is used wisely.

Planning trips, buying a vehicle or renovating your home are examples of goals that can be financed with this extra resource, as long as you don't compromise your financial health.

To organize these plans, use budgeting methods such as 50-30-20, where 50% of the 13th would be reserved for needs, 30% for wants, and 20% for investments.

This way, you ensure that your dreams are achieved without giving up financial security.

Also consider opening a savings account specifically for your goals.

In other words, it helps to visualize progress and avoid impulsive use of money.

If the goal is medium-term, investments such as a programmed liquidity CDB may be more advantageous alternatives.

5. Educate Yourself Financially to Maximize Results

The 13th can be better used when there is financial knowledge.

Taking investment courses or reading books on financial planning are ways to transform your relationship with money.

Furthermore, it is important to involve the whole family in the planning, creating an environment of shared responsibility.

An interesting practice is to set clear goals for the use of the 13th salary and review them annually.

This way, the money received stops being just a seasonal income and becomes part of an ongoing financial growth strategy.

Don't hesitate to seek help from a financial advisor to align your decisions with your personal goals.

Financial education is the key to multiplying the value of your 13th salary and building a more prosperous future.

6. Use the 13th to Boost Small Businesses or Ventures

Another smart way to save the money you receive from your 13th salary is to use it as initial capital or investment in a small business or entrepreneurial project.

This strategy can transform an extra income into a passive or complementary income generator, contributing to your financial independence.

First, analyze your skills and interests.

If you already have a business, the 13th can be used to expand operations, improve infrastructure or invest in digital marketing.

Small adjustments, such as improving the customer experience or diversifying products, can have a significant impact on profitability.

For those looking to start from scratch, investing in scalable or low-cost startup ideas can be a smart choice.

In this sense, some suggestions include digital businesses, such as content production, online sales or consultancy.

It is important to plan and create a detailed budget to ensure that the amount invested is used efficiently.

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Additionally, use part of your 13th salary for training.

Taking courses related to your field of interest or acquiring tools that optimize your work can be the difference between success and failure.

A well-planned investment in entrepreneurship is a way of saving money that offers returns in the medium and long term, helping to build a more solid and promising future.

Saving money received from the 13th salary: Conclusion

Saving the money you receive from your 13th salary is a question of strategy and discipline.

By paying off debt, building an emergency fund, investing wisely, and planning goals, you can turn a temporary resource into lasting results.

So, take this time to reevaluate your financial priorities and make decisions that will benefit you and your family in the long run.

Finally, the 13th salary doesn’t just have to be a relief; it can be the beginning of a journey towards financial freedom.