Although the total amount of money a worker receives throughout the year is identical, distribution into 12 or 14 payments can significantly affect the perception of monthly liquidity and overall financial control. The decision mainly depends on each person's habits and their relationship with money, according to Morales' analysis.
“"The question seems simple, but the answer is not so much. There is no universally better option, because regarding the annual salary, nothing changes: the worker earns the same."
Receiving 12 payments is generally more advantageous for those with greater financial control and organized saving habits. This system allows access to the money sooner, facilitating periodic investment or placement in remunerated accounts. Furthermore, Morales emphasizes that for people with low incomes, the extra distributed every month can be crucial for making ends meet.
Conversely, the 14-payment modality often functions as 'forced savings' or a mental trick for those who struggle to maintain monthly consistency. This extraordinary income, usually received in June and December, can serve as a cushion for large expenses, provided it is planned and not spent impulsively. If the extra payments are used to cover fixed expenses, the system loses its purpose.
