13th salary in advance to eliminate debts? Pay the IPTU, IPVA and health plan

Do you need a little extra money to pay your upcoming taxes? See when you will receive your 13th salary payment in advance!

Have you ever thought about being able to receive payment of your 13th salary in advance? Thousands of people think a lot about this alternative, since, especially at the beginning of the year, that’s when bills start to get tight.

Fortunately, all of this can change if you are entitled to the benefit and choose to receive it before the normal deadline. See how to do this and stay free of debt at the beginning of the year!

Did you know that you can receive your 13th salary in advance soon? Find out when it will hit the bill! / Credit: @jeanedeoliveirafotografia / pronatec.pro.br

Who can receive the 13th salary in advance?

In principle, the 13th salary is a right for all formal workers, governed by the CLT (Consolidation of Labor Laws), including domestic employees. In addition, INSS retirees and pensioners are also entitled to their 13th salary.

This benefit is granted to those who worked for at least 15 days during the year, providing extra income at the end of the year or at the time of retirement, contributing to the financial well-being of these individuals.

How is the benefit paid?

Normally, payment of the 13th salary is made in two installments: the first must be paid between February 1st and November 30th, while the second installment must be paid by December 20th.

For active workers, the amount is based on December salary or average wages for the year, if variable.

For INSS retirees and pensioners, the 13th is paid together with benefits, following a specific calendar defined by the Institute.

Payment of the 13th salary in advance

In a surprising move, Caixa Econômica Federal announced the anticipation of the 13th salary, promising to be a relief for millions of Brazilians in 2024.

The initiative aims to help customers pay off common debts from the beginning of the year, such as IPVA, IPTU and even health expenses.

This measure reflects the bank’s commitment to offering financial support and practicality to its users, especially in crucial moments.

Find out more: Bolsa Família: the money DID NOT go into the account, what now? What do I do?

In short, Caixa, known for always being at the side of its customers, launches this news as a breather for those who find themselves tight with bills at the beginning of the year.

The bank not only anticipates the 13th salary, but also offers personalized credit options, such as payroll and personal, in addition to anticipating the FGTS birthday withdrawal.

In addition to advance payment, Caixa presents programs such as Tudo em Dia and Desenrola Brasil, allowing the payment of late debts with discounts that can reach 90%.

An unmissable opportunity to start the year off on the right financial foot, with special conditions valid until the end of March.

How does Desenrola work?

Basically, Desenrola is an initiative that aims to facilitate problem-solving or carrying out tasks in an effective and efficient manner, although the specific context may vary.

In a financial scenario, for example, programs like Desenrola can offer solutions to renegotiate debts, providing individuals with the opportunity to pay off their debts with more favorable conditions, such as reduced interest rates and extended payment terms.

Who can participate in Desenrola?

These programs are designed to help people "unravel" their complicated financial situations, allowing them to regain financial stability and avoid negative consequences, such as credit protection services becoming negative.

The effectiveness of "Desenrola" depends on cooperation between the debtor and the financial institution or service that offers the program, seeking a mutually beneficial solution that facilitates the fulfillment of financial obligations.

Invest in the future!

Now, for those who are in a more comfortable situation and are thinking about investing, Caixa also offers attractive alternatives such as investment funds, savings, LCI, LCA, CDB and pension plans. A range of options for those who want to make their money go further.

See more: Does adding a profile photo to the Nubank app change anything? Does it give more credibility?

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