Taxes
Before talking about spending profits, it is important to know that it is an income, therefore, you have to pay the corresponding tax to the SAT, the income tax (ISR), explained Diego Alberto Martínez García, an expert in analysis and planning finance at Flink
However, there is good news: profits equivalent to 15 UMAs (unit of measurement and updating) are exempt from paying tax, equivalent to 1,556 pesos or less. If the amount is greater, the tax will be calculated only on the excess amount, added Guillermo Simonini, general director of Reclutalia and Zeus Súperadministrador, human resources solutions.
smart use
Once the issue of paying taxes has been clarified, it is important to make intelligent use of this extra resource, otherwise it will be of little use to have it.
The first recommendation to use the PTU, said Elvira Méndez, postgraduate specialist at the Business School of La Salle University, is to use it to pay off debts, prioritizing those with the highest interest rate.
If you are paying off a car loan, mortgage or a personal loan, you can pay principal to pay it off faster and pay less interest.
If you are free of debt, a second recommendation to distil the profits has to do with the payment of taxes such as property or vehicle ownership; remodel your house, change some furniture or appliance.
Another alternative has to do with investing in your education, with a view to having a better job position, as well as acquiring some good that is necessary for your professional activity, the interviewees agreed.
If you want to consent, you can also do it, preferably once you have covered the aforementioned fields.