Clipping of news on Brazilian Culture, Law and Citizenship
05/06/2012
This article was translated by an automatic translation system, and was therefore not reviewed by people.
Daniel Lima and Kelly Oliveira
Reporters Agency Brazil
Brasilia - Consumers should take some care in time to renegotiate debts with financial institutions. Economist Serasa Experian Carlos Henrique de Almeida said that before seeking a lender, you need to know how much you can afford and make a contrasted.
"Brazil does not know renegotiate debt. When searching for the lender, just accepting what it offers. First, you see how much you can afford and always make an opposed, "he said. In a renegotiation, we must be sure that is really interesting to accept the proposal. One tip is to try to check the Procon proposal.
Another tip is Serasa keep an eye on the campaigns of renegotiating debts of financial institutions, offering lower interest rates and reduction of the principal amount of debt. See the financial advantage in this type of renegotiation because they can reduce the damage and make the client return to the market.
The finance professor at Ibmec Marcos Aguerri Pimenta de Souza points out that anyone who is tight with the accounts should avoid making more debt and prepare an annual budget. In this budget shall include the expenses (food, transportation, housing, leisure, education, credit card bills etc) and expenditure and seasonal as taxes (property taxes, property tax, withholding tax), holidays (Mother's day, Father's , Children's, birthdays, Christmas) and holidays (July, December).
"From this budget, the consumer must make enough savings to cover these costs. In addition to this savings, it must make a financial reserve for unforeseen expenses such as vehicle maintenance, remedies, penalties and extra expenses that arise throughout the year, "he advised.
"Obviously, this reorganization of all, it is expected that consumers have a discipline to annotate and control spending, and have a more long-term, ie not only to plan weeks or months, but plan for the year as a whole, "he added.
To Aguerri, Brazilians are still "very immediacy." "Maybe it happened to have lived a long period of inflation that is pushing for immediate consumption, coupled with the fact that Brazilians are also very optimistic about the future. Such optimism makes us believe that we consume now, despite not having money to pay cash, but we will have better conditions in the future to pay in 'soft' benefits, "he said.
In the evaluation of a professor of finance, we must also invest in financial education of the population, accounting for retailers, banks and consumers. "An educated citizen is financially very good for all. Reduce delinquency and maintains regular and constant, without ups and downs. This promotes increased production and growth of the economy, "he emphasized.
Edition: Aecio Amado
Source: Agency Brazil
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This article was translated by an automatic translation system, and was therefore not reviewed by people.