Clipping of news on Brazilian Culture, Law and Citizenship
04/25/2016
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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Brazil already has an unemployed population that adds 10 million, and is estimated to reach 12 million
iBahia writing
According to data released by the newspaper O Estado de S. Paulo, Brazil already has an unemployed population that adds 10 million, and is estimated to reach 12 million by the end of the year. In this situation, it is essential to talk about how the Brazilian must act if this problem the reach.
10 steps to organize finances in the event of unemployment
According to data released by the newspaper O Estado de S. Paulo, Brazil already has an unemployed population that adds 10 million, and is estimated to reach 12 million by the end of the year. In this situation, it is essential to talk about how the Brazilian must act if this problem the reach.
But to those who are employed there is fear, for those who lose their job situation is almost desperate. However, I make a big warning: this time, we must be focused, however much it may seem impossible. I always say it is with the bumps we learn to walk; so, it is time to seek a financial restructuring to go through this period and subsequently be prevented for unforeseen. Here are some guidelines:
Paying debts immediately? - Should you lose your job, what should be the first action? If you are in debt, no matter how right it seems to want to settle them with money from the guarantee fund, this may be a mistake, because if you use too much of this money will be at risk of running out of revenue to cover expenses ahead. So, plan better in relation to these values before any measure.
Create an emergency reserve - the unemployed must have saved money for expenses, but eventually also to invest in a course and resume his career. The first measure to be taken is to retain the values guarantee fund gains, unemployment insurance and unused vacation. This money should only be moved after it established a strategy.
Analyze your reality - is essential to have total control of their numbers at that time, therefore, you should know the value that has saved and add to what will be gained. You should also make a survey of all monthly expenses, thoroughly, from coffee to share the home, nothing should go unnoticed. In case of debts and installment payments, these should also be added.
Freeze credit tools - credit cards, overdrafts, store cards and other easy credit tools should primarily be forgotten in his life; avoid even in an emergency, because if you can not pay these amounts, interest will be exorbitant, creating a path of hard back.
Make a financial housecleaning - which really is a priority for your life? Think very carefully on this issue, because it came time to cut many expenses that do not add to life. Expenses that must be rethought can be cable TV, cell phones and smartphones, ballad and going to restaurants, water and energy and other small expenses. Prioritize what is really important in this period.
Change your standard of living - I know it may seem difficult, because I got used to a lot of perks, but it's time to restructure, not to maintain the pose. In times of trouble, humility is a differential. So the first step to change your reality is to accept that their standard of living has changed, and not live appearances.
Negotiate the debt - still talking about humility, it's time to seek creditors and be as forthcoming as possible, to show that not want to become delinquent, but that also does not have payment terms, thus seeking to reduce interest rates and stretch your debts. Remembering always to prioritize debts with higher interest rates and value of assets as collateral.
Escape of the exploiters - unfortunately, as much as your time is despair, there are malicious people ready to take advantage of their fears. Do not allow abuses; many will try to take advantage of their weakness to try to take advantage. Avoid promises and misplaced guarantees. Sometimes it's better to be a bad name than being exploited by people.
Search moonlighting - by more than in its area of operation, seek alternative sources of earnings. It's time to leave pride aside and seek to ensure a minimum income for more than in its area of operation.
Up and shakes the dust - now it's time to seek as soon as possible to outplacement. Use your network, position as someone who is waiting for market opportunities. Remember, the opportunities often appear to who is behind it. Forget discouragement, lift your head and look to the future.
Source: Mail 24 hours
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This article was translated by an automatic translation system, and was therefore not reviewed by people.