Clipping of news on Brazilian Culture, Law and Citizenship
18/2/2010
This article was translated by an automatic translation system, and was therefore not reviewed by people.
SEE THE EXPERT TIPS 2) Verify that you can reduce the cost clearing services which do not use, unnecessary points as pay TV, still see no point in slowing down the internet service. 3) If you are in a period of loyalty to the company, see if there are packages that best suit your needs or that are cheaper, both in the carrier which is already a customer and competition. 4) If you are Loyal, keep in mind that the client has the right to cancel without penalty if the service is not consistent with what was offered. 5) Before dealing with the company, meet with his contract and the options available from competitors and remember that the client has the power to cancel at any time. 6) Families can combine reduction targets certain accounts, such as cellular or light, and combine rewards with the money saved as a travel or meal outside the home.
We must be aware of services that are 'thin' money, analysts say.
Recommendation is that families review their expenditures every six months.
The year began on time, the carnival is over and your expenses keep rising? If the salary remained the same, this can be a problem. Many families do not know where to start cutting spending. Therefore, personal finance experts give a hint: to trim the "edges" of the budget, looking good is the household bills, such as cellular, fixed telephony, cable TV and internet.
"To begin with, the families must have parameters to see if are spending more on these accounts and is given to cut. You can put the accounts of the past 12 months spread over a table and evaluate, "says Conrado Navarro, personal finance consultant and author of" Let's Talk Money? ".
1) Keep the accounts of each service in a separate folder. When you evaluate your spending, get the latest 12 and spread on a table. So you can see how much was spent each month.
"It is prudent to evaluate their expenses every six months," says Marcos Crivelaro, professor of modulo, in Sao Paulo. "What motivates this is not only save, but also channel their spending to things that are really important for your family."
The first step, then, is how much is spent on each thing. According to Navarro, many families hire combos pay television over the Internet in a promotion, where they pay a lower value for a few months. The problem is that after the account increases.
Another slide is common that families often hire services in addition to need, such as cellular minutes are not used, the more points of cable TV or Internet speed too high. "People come into a routine of paying that bill every month and do not question whether that value can be reduced," says Navarro.
To reduce the phone bill, Crivelaro says that in many cases pays to have two devices to take advantage of the promotion of minutes to call one or another carrier. "You can spend less in total," he says. To reduce the account of Cable, who is just at home should evaluate whether you need all the channels of the package signing.
However, other types of accounts, such as water and electricity, can be reduced with awareness of the family, says the expert. He believes that changing habits, the family achieve a personal goal to save the bill, for example, is about giving a prize, like a dinner out.
Negotiation
Consumers who want to cut your spending by following the tips presented must be prepared, "Give a little work. Hours are hanging on the phone with telemarketing, "says Crivelaro. But the economy is worth: for the specialist, a family of upper middle class who pays attention to their accounts and cancel unused services or negotiates discounts can save up to one minimum wage per month.
At the time of negotiating or cancel services, the consumer's best friend is information. "The customer must make one's own research and whether there is a plan that best meets your needs. Thus, when talking with the attendants, he has more information to negotiate, "says Navarro.
Another tactic, known to some customers, it is call and ask for the cancellation of the service, at which some companies offer discounts to the customer does not go away. "Usually you get a temporary discount, saving R$ 40, R$ 50. Is worth if you have nowhere to go [ie: if there is another company that offers what you need], "says Crivelaro.
Meet contracts
For Maria Inês Dolci, coordinator of the institutional authority of the Consumer Pro Test, the most important is the consumer know what is in your contract. Some packages of services provides customer loyalty for a certain period. "If you are not Loyal, can change the plan or package or even operator whenever you want," he recalls.
For those thinking of hiring a combo to save, it also suggests that you carefully read the contract to know exactly what is offered if there is a period of loyalty and the price after the promotional period really pays off.
Even in times of loyalty, Maria Inês remember that the customer can cancel the contract without penalty if the service does not have the quality promised. Therefore, it is important to keep the protocol number of complaints that have been made and even ask the operator to the recordings of the links. In case of problems in breaking the contract, the consumer should seek Procon or other entity of consumer protection.
Source: G1
This article was translated by an automatic translation system, and was therefore not reviewed by people.