00:00Welcome to Monigamia Día a Día, the formato in which we explain the finances of the everyday situation.
00:05It's a good day without IVA!
00:08Ay! Impulso de gasto!
00:10But ojo! Comprar in the day without IVA has a art.
00:13That's why, to avoid financials, you have to watch this video.
00:17And, of course, subscribe to the channel and activate the bell so that you don't miss any financial advice.
00:33For this point, you already have to be hyper-mega-antojados of a new TV, a new dresser, a new
00:39dresser and, of course, the new airfryer that leads to the tarot.
00:42I know that it's hard to escape from the tentation because they bombarded all the time in publicity by internet,
00:47television and even by text messages.
00:49And, of course, there is always a family or a friend who already came and publishes on social media a
00:55post of what he bought.
00:56But, if they don't control those impulses, they can take months or even years.
01:01For this, before you buy, you need to follow these two rules.
01:05The first is to fix the maximum amount of the purchase.
01:08You have to have something clear.
01:09The maximum amount of the purchase doesn't determine the cup of your credit card.
01:13It determines the income and the level of debt.
01:17Let's start with the best of the scenarios.
01:19The people with taxes and without debt.
01:21But, you don't want to go away from the guachapita.
01:24There are limits for the juicioso.
01:26Those people must be able to buy for the maximum half of their monthly income.
01:32Now, let's look at the case of the people who already are in debt.
01:35And the truth is that everything depends on the level of debt.
01:39Only is recommended to buy in the day without IVA those who destinan less than 10% of their monthly
01:44income.
01:46But, in this case, they must buy for the maximum half of their monthly income.
01:51For those who have higher levels of debt, they should consider seriously not to participate in the day without IVA.
01:57In serious, no lo hagan.
01:59The second rule to buy in the day without IVA is to choose the best way to pay.
02:04There is a hard reality.
02:05Only those who can pay for the account will have the full benefit of the day without IVA.
02:21Also, they will see certain benefits if they acquire the debt in a smart way.
02:26Of course, they must choose the number of taxes that may be paid monthly.
02:31But, they must remember that between more taxes, more interest will be paid.
02:35And between more interest, less interest will be paid in the day without IVA.
02:38And then...
02:40The people with debt only should be able to buy in the day without IVA if they can pay the
02:44debt in less than a year.
02:45In this case, they will be able to pay $10 per month.
02:51In this case, they will be able to pay $10 per month.
02:55The payment is paid to a 10 percent of the time.
02:59In resumidas cuentas, they will be able to pay for a net of 9 percent.
03:02And there is a margin to pay to pay for more taxes.
03:05But 9 percent of the payment is for us the limit to make this poor income.
03:10So, if your level of indeudation does not allow you to buy less than a year,
03:14you can't let the day without IVA.
03:16It's a fact that in lieu of a benefit, you will have a cost.
03:18You know, the two rules of the day without IVA to be able to become a financial aid.
03:22financiero y si no pueden comprar no se preocupen siempre vendrán nuevas
03:26temporadas de mega descuentos entonces lo mejor es que empiecen a ahorrar nos
03:31vemos en una próxima entrega de monigamia día a día el formato en el
03:34que les explicamos las finanzas de las situaciones cotidianas
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