Tips on how to make the best use of extra money at the end of the year

The end of the year is a moment everyone looks forward to! In addition to the parties, celebrations and the vacation break, the moment is also remembered when it comes to extra money. At this time, it's time to review the savings accumulated throughout the year and, for some, to receive amounts related to vacations and the 13th salary. With this in mind, we've put together some valuable tips on how to plan your spending so that you can always make your dreams come true. And speaking of dreams, how about using this money to help you buy a property or decorate it? Check out our list of suggestions!

Save for the down payment on your dream home

If you want to realize your dream of owning your own home, good financial planning is essential. At this point, all the extra money that can be put towards this is essential. welcome.

Your FGTS balance, vacation pay and 13th salary can be a great help in maintaining your financial planning and increasing the down payment. When financing your apartment, the higher the down payment, the lower the amount financed, reducing interest and the time it takes to pay the installments, bringing you ever closer to your dream.

To pay for your planned furniture

Planned furniture combines functionality and beauty, which is why it is the most popular when it comes to making the most of space and giving the room the desired aesthetic. The extra money from the end of the year can be used for this purpose. Once you've closed on a good project that meets your needs, you can use the extra money to pay the down payment, negotiate any outstanding amounts and reduce the time it takes to pay off the remaining installments.

For the extra costs of buying your apartment

If you're in the process of buying an apartment, it's important to set aside extra money to pay for expenses such as ITBI, moving costs and documentation. To help with these expenses, which are often forgotten when it comes to closing the deal, the 13th salary and savings throughout the year can be the solution to paying off the outstanding amounts. And if you want to get a great deal, come and see Niss's properties and realize your dream of having a property to call your own!