Have you paid your tenure new car this year? Have you thought about if in 2012 you will pay cash holdings or months without interest? Surely not, precisely because it is a tax deductible for owners of new vehicles during the 2011-if you value not exceeding 250,000 pesos, and generally be eliminated from next year. That’s good news for the pocket, but might do well to forget about your finances.
How? Do we suggest paying an expense that we are exempt? Exactly, but not to the Ministry of Finance, but yourself, in the form of saving for a goal.
Think about the last time you finish paying off a loan, your child will eventually graduated and you just tuition or to unsubscribe from a service, what happened to the money you had to pay monthly and is now free? Unless at the time you have given a better fate, it is more likely he’s gone straight to the current expenditure without notice it.
We always complain that we do not have money to spare, but as just an obligation to pay that extra recanalize forget. If you have the discipline to comply with the monthly, annual or as the periodicity of the payment in question, why not keep it to improve our finances?
The idea is to deposit the same payment at the same time we were doing prior to the savings account, but if not so confident in our memory-or discipline-once removed the original payment, we can schedule an automatic deduction from our Internet banking account. It’s simple, most banks have the option to schedule operations and thus, as we instructed that on a certain date the amount is withdrawn and sent to a particular fund or specific account savings this amount will not be diluted with the rest of our daily payments.
No excuses, if this year bought a new car and tenure will be tax deductible when
make your statement in April did not run to spend the balance in favor of extra-or would have paid if he had not taken the measure, and from March 2012 payable sends each holding your savings.