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The first installment of the 13th salary is already in the hands of Brazilians, but everyone already wants to know when the second part of the benefit will be paid. Therefore, it is better to hold on to your excitement, since the second installment will only be paid on December 20th.
Until that happens, check out some strategies to spend your money wisely and understand how this benefit is calculated.
See more: Is the thirteenth payment of Bolsa Família real?
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How to use the thirteenth salary intelligently?
It is important to use your thirteenth salary wisely and be careful not to get into debt. This is because it is common for people to get carried away with gifts and parties at the end of the year, so you need to have control.
A good way to use this extra money is to divide it up: half for celebrations and the other half for investments. You can leave the money in a savings account, for example, or even use it to pay off a debt.
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Don't use money impulsively, try to organize your expenses in a spreadsheet so you don't spend uncontrollably.
Calculation of the 13th salary
It is important to note that the calculation is based on dividing the total remuneration by 12. The result is then multiplied by the number of months worked. In addition, overtime, commissions and night shifts are also part of this calculation.
The basis for calculating the 13th salary is the gross payment amount, without deductions or advances.
Workers who are dismissed for just cause do not have the right to receive the amount and only those who have worked for at least 15 days can receive the money.
As mentioned before, the 13th salary is for workers with formal employment contracts, retirees and INSS pensioners can also receive it.
13th salary calendar
It is important to highlight that the first installment of the 13th salary was paid on November 30th without any discount for workers. The second installment of the benefit should be paid into the account by December 20th, with discounts for Income Tax Withheld at Source and also for the INSS.
It is worth noting that there are workers who receive payment in a single installment or together with their vacation, but a prior request must be made.
Image: Jose Cruz/Agência Brasil
