Prescription plan is not to be due
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Pay the bills of the month is not always an easy task, especially when it is not the appropriate control. It is no coincidence that the number of returned checks in the country hit record in March, according to PricewaterhouseCoopers - the third month this year were 24.6 returned checks to 1,000 compensated, highest recorded by the survey, started in 1991. This is the result of the failure to calculate the household budget. According to Procon-SP (Attorney Protection and Consumer Protection), 80% of Brazilian families do not have this habit.
According Diógenes Donizete, assistant technical director of Procon-SP, the problem is not how much you receive, but how much is spent. "It is necessary to administer the accounts. Indicate that people put income (the salary) and expenditures. This equation can not be negative, since it is these times that the person is more vulnerable to check into the particular burst the limits of credit card and not the traditional pay slips, "warned.
He explained that 20% of people now incorporate the limit on the special salary check. "This is the first step to increase the default. People have to live with what we earn. Superfluous Things were made to be cut," said Donizete.
Another caution, in view of the technical Procon-SP, is related to finance. An example is the purchase of the car in time. "Not just whether the provision lies in the pocket. In three years of use of the vehicle, paid up the total value of the property with daily expenses. For example, if the vehicle costs $ 60 thousand per year the person will have spent of $ 20 thousand, adding IPVA, private insurance, insurance, licensing, fuel, tolls, fines, change of tires, oil, and other expenses ", illustrated.
REVENUE - Fabio Gallo Garcia, professor of finance at the FGV-SP (Fundação Getulio Vargas-São Paulo) and PUC-SP (Catholic University of São Paulo) a recipe taught to avoid debt. Nothing better than a notebook in place monthly expenses for food and expenses of keeping the house. "These two items are of extreme necessity, involve the purchase of the month, accounts for water, gas, electricity, telephone, rent, condominium, IPTU, among others," he said.
Then you must list the accounts impossible - those that can only pay the balance as the bank is not blue - like cable TV, internet broadband, high cellular accounts. Finally, are unnecessary expenses such as tuition fee of the club that the person did not attend.
The measures are essential to avoid the debts, but also for reversing the situation. For those who are in the red this measure, the long term, balancing the equation between revenue and expenditure.
"The debts contracted the step to regularize the situation, after putting on paper the entire financial planning, is negotiating the split of the balance due to the financial agent. Another option is to exchange for a financing with lower interest rates (the embodied, for example ) or move the action of the Justice Review, which will reduce the debt by up to 50% interest and charges, "advised the president of Ibedec (Brazilian Institute for Study and Defense of the Consumer Relations), José Geraldo Tardin.
LESSON - After spending a few hours of shaking in the accounts payable, a retired professor Anna Maria Mariano Custodio, 69 years old, living in Diadema, solved with the help of her daughter and son-in-law have a caderninho to list their expenses and needs to be paid.
"I got my agreement not to pay medical and living needs for seven months in the house of my son in law. I had no bills, no worry about my future. I had the habit of buying things and not look at how much cost," recalled.
Today, Anna Maria has pride prior to making a planning expenses and using the good old caderninho, it is possible to remain alone in his apartment, with some on a reserve to save and spend.
Source: Diário do Grande ABC
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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