Clipping of news on Brazilian Culture, Law and Citizenship
17/05/2012
This article was translated by an automatic translation system, and was therefore not reviewed by people.
SAO PAULO - When we want to save money, the most common attitude is to start cutting spending. Consumers are reducing all possible expenses, either in consumption of water and light, is in supermarket. Even the leisure of the weekend is affected. However, a good strategy is to review the contracted services per month, that is, consumed on a regular basis.
Products that are consumed on a regular basis are those as subscription TV, broadband, mobile telephony and insurance - health, dental, life, home and car - for example, that people do not always research prices and consume so appropriate for their consumption profile.
According to the financial educator, Roberto Navarro, the most common is the person seeking these services and then have them contract, simply forget to reassess the extent to which they are meeting their needs. "The tv subscription, for example, one change every day. From the moment you hire the service, enter the fixed costs and remain there for months, "says Navarro.
However, as the educator remembers, Brazil is no longer the same a few years ago when there was so much to offer mobile services, subscription TV, broadband and insurance. Currently, on the contrary, the rule is dynamic. Within months, the plan that you have hired one of these services is obsolete and expensive.
Paying too much and receiving little
This means that you may be paying too much for a product that no longer serves you more. The suggestion, therefore, is from time to time to do a price survey comparing various offers available. Due to the high market competition, companies strive to launch - very often - new products with higher quality and more attractive prices.
Who sleeps and stays with the same plan for years, loses the opportunity to reduce monthly expenses. In search of price, it is important to negotiate with the wireless carrier, with the companies that will provide subscription TV, broadband and insurance. Companies do not want to lose customers, so they are usually open to negotiation.
Professor Paula Belmino like a lot of strategy and whenever he can negotiate with companies. "When I feel that is very expensive, I'll call and I'll go talk to another company, the plan is no longer helping me more. Oh they always give me the discount, "he says. With this attitude shows that the teacher can save a lot. "Last time, although I explained that my husband was unemployed," he points out.
Finding and negotiating
To do a proper search for price and negotiate with service providers, first and foremost, consumers should have clear in mind what he needs. For this, Navarro suggests that the family will meet and discuss your needs. In the case of subscription TV, watch who watches what channels and how often.
For those who work hard, not always have the movie channels compensates. Rent some videos over the weekend may be enough, or subscribe to Netflix, for example.
In the case of mobile telephony, with many operators, with so many plans, packages and bonuses, is even more difficult to find the most suitable product. The teacher explains that as he has family in another state, has always had to make long distance calls. This, however, used the phone.
Comparison shopping, she discovered that a particular mobile operator allowed long-distance calls to r$ 0.25 - between numbers of the same operator -. Because of this, she made the phone calls, reducing your monthly expenses by nearly 50%. "I paid r$ 200.00 phone bill. Now, I keep talking about the same for R$ 115.00, "he recalls.
Still, if you know exactly what you want and what are the needs of your family, it is easier to avoid falling into the chat operators and other service providers, who want any form of selling your services.
"Companies are offering packages and products that you do not watch they will roll," she says.
Source: InfoMoney
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This article was translated by an automatic translation system, and was therefore not reviewed by people.