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Debts

Retired to exchange loan for savings

This article was translated by an automatic translation system, and was therefore not reviewed by people.


 

Aguirre Peixoto


Almost half of retirees is payroll deductible loans committed, they become attractive because of reduced interest rates. Experts warn that the abundant supply of credit for the elderly is dangerous to the personal budget and must be replaced by investment in financial assets.

The latest data from the Ministry of Social Security indicated that 12.6 million retirees had hired payroll loans in November last year, for a total of 25 million pensioners.

"The seniors have trouble managing their income that generally stem from the lack of financial education early in life," says financial educator Reinaldo Domingos, author of Financial Therapy (Celebrities Editor).

Little Money - For Marcos Barroso, representative of the House of retired, the problem is the low value of most pensions. "Many elderly people end up joining the payroll lending, mainly to help families, and so go into debt."

Second Domingos, you can save even so, the expenses of organizing the day. "Pensioners have to establish your dreams of consumption. A trip, a car or a gift for the child or grandchild, for example. From these goals, it should save an amount per month to pay cash for one of these expenses, "he explains.

Diagnosis - The recommendation of the expert is, first, conducting a financial assessment. The retiree must register as wins and how much you spend. At this point, it is important to survey all the small expenses in the month, as tips or remedies. Discovered any budget, the tip is to see how much you can save in a month and put that amount in any financial investment.

"The elderly should prioritize the money for the realization of his dream. For this, he must work in order to wipe the small expenses, "says Domingos.

The payroll loan is recommended only for essential expenses such as food, which can not be postponed. Otherwise, it is best to save to pay cash.



Source: A Tarde Online

This article was translated by an automatic translation system, and was therefore not reviewed by people.

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