Payment of the first installment of the 13th salary must be carried out by employers until November 28th this year. Workers must have an incentive to allocate the balance of the right, since the Black Friday will take place on this same date in 2025.
As provided by law, workers must receive the first of the entitlement payments by the end of November. This year, the 30th will be a Sunday, so the balance must be deposited by the last business day of the month, which will be Friday, the 28th.
Black Friday, the date marked by offers, always takes place on the fourth Friday of November, one day after the Thanksgiving holiday in the United States and will also take place on November 28th.
According to Vanessa Martins, head of marketing at Neotrust, combining promotions with extra money in your pocket can be positive for the number of sales during the period.
“When the consumer enters the date with increased income, they tend to buy more and with more confidence. The combination of available income with the main purchase intention date on the calendar creates a very favorable environment for increasing volume and accelerating consumption”, he states.
Gean Duarte, economist, financial educator and CEO of Bixa Rica, an inclusive financial education company, highlights personal finances.
“The risk is that many consumers spend everything at this time and forget about the expenses that come immediately after, such as taxes, school supplies, IPVA, IPTU and end-of-year expenses. It’s great to take advantage of Black Friday, but only if it is done with awareness and planning. Otherwise, the November discount could turn into January’s debt”, he points out.
The risk of impulse purchases goes beyond financial planning, as highlighted by Victor Thomazetti, superintendent of Fraud Prevention at Itaú Unibanco. According to him, the bank invested more than R$11 billion in technology to avoid this type of setback, and cited solutions such as the Security Hub and Alerta Pix.
“Scams such as phishing, fake bills and false promotions are among the most common during this period. To protect yourself, be wary of ‘too good to be true’ promotions, always check the legitimacy of websites and stores, avoid clicking on suspicious links sent by email or messages, and prefer the use of virtual cards when shopping online.”
Thomazetti completes by recommending the use of digital wallets for in-person purchases, avoiding handing over a personal credit card and exposing data.
