Debts

Here's how to reset your debts until Christmas; expert guides

07/20/2016

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Last year, the number of defaulters increased by 3.2%. Nevertheless, out of this situation and get zeroed in 2017 is not impossible: only requires organization and discipline

With rising unemployment and high inflation, keep the bills on time has become a challenge for workers. According to a survey of Boa Vista SPC, financial information company in the last 12 months the increase in the number of delinquent was 3.2%. The setting, however, does not prevent those who are a bad name out of the red by 31 December. Just good diagnosis and planning to receive in 2017 without debts.

"There is no miracle to clear the name. This is the result of a sum of factors that depend on both the creditor's cooperation, as the consumer. But in six months is possible, "said Judge Fabiana Pellegrino, creator of the Small Claims Support superendividado of Bahia Court of Justice.

Economist Boa Vista SCPC, Flavio Calife believes that cutting costs is the first step to resume the reins of financial life. "Any way to reorganize part of planning accounts, rethinking the household budget. light and water bills can be reduced, for example ".

For financial educator Rafael Seabra, include the whole family in planning is critical. "Talk to your family and explain the situation. You can not make radical changes without everyone to participate and understand this new phase. And do not despair. When this happens, people tend to believe any solution that appears in front," he says .

arrears

Fabiana Pellegrino explains that to stay in the blue, it is essential to raise awareness and change financial habits. "People should make a reflection about their reality and realize that you can not consume beyond its economic limit," he says. Unemployed for two months, Raimundo Nascimento has a debt of R $ 250 with two telephone operators. Why not have spared any amount today he has trouble getting out of the red. "Being a bad name is too bad, because it prevents me from making future plans." 

This is also the case with the attendant Luana Jesus telemarketing. With a debt of R $ 1,500, it seeks a way to clear the name as soon as possible (See sample solution on the table beside). "Staying in the Red entails several other things. I want to start from scratch, "he says.

With a minimum wage, she and her mother - who receives a pension in the same amount - share the family expenses, including his 3 year old daughter. "Our biggest expense is food. To reduce costs is very difficult. There is to not eat or pay rent. "

precautions

According to Seabra, it is important to save money to avoid financial problems. "We do not have the habit of saving money. The more we win, the more we spend. If we do a financial reserve when we are in a good time, any unforeseen event will cause problems, "he explains.

Those who were in debt and were able to solve the problem, the challenge is to be careful that this does not happen again, especially at the end of the year. "January is the month that most have extra expenses, with property tax, vacation, school supplies, etc. The temptation of the year-end promotions mean compromising your budget at the beginning of next year, "concludes Seabra.

Calife already believes that the scenario is improving. "I see an increase in the number of people looking to spend less," he says. A survey of Boa Vista SCPC points out that, after clearing the name, 84% of consumers do not intend to make new purchases in the coming months.

Step by step to keep the good name

Awareness Take for yourself that is broken and that will take time to restructure. The villain is not the lack of money to pay off debts, but bad habits and behaviors towards money that led to the debt. You will only be able to change assuming that made mistakes and need to do something different.

Diagnosis Make a detailed inventory of all your debts, discriminating by type, lender's name, amount due, interest rate, plus the time and value of the parcel. Analyze your expenses and identify which items are really essential.

Planning Think before you act. Pay creditors without any criteria will not solve the problem. Often you will only be paying the interest and not the outstanding balance. Examine your debts and check which have higher interest rates: they must be prioritized.

Trading The first lender you should look for is the bank. Talk to the manager, with the situation. The immediate goal is to stop the increase in debt, stopping the charging of interest on interest. Try to negotiate a line of differentiated credit, with maturity and lower interest rates (less than 3% per month), in which the provision is less and fit - handily - in your pocket.

judiciary If you got into debt because they lost their jobs or financial mismanagement, justice is in your favor. Look for the judiciary to "dealing with the situations of consumer indebtedness" in your city. This initiative aims to mediate the renegotiation of its debts with all its creditors, amicably, according to their family budget.

Source: iBahia

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