Organizing expenses and having an efficient financial planning is not? The strength of many people is the result and the result could not be different: ending our hands with the red beads ! According to research carried out by Cream Capital Company and the National Confederation of Shopkeepers (CNDL), the lack of financial education?
The main explanation for the fact that one third of Brazilians? led to indebtedness. Six out of ten debtors don’t know how much they owe? which reduces the chances of getting out of the red. But for everything h? a solution. At the ? It is impossible to keep your accounts at the tip of the pencil and? recover financially ! With determination, it is possible to reformulate the management of the accounts and pay the debts. In this post we will give tips on how to organize debts and end them. Keep an eye!
Write it down, write it down, write it down
Putting all the debts at the tip of the pencil, the interest on each loan and your expenses? the first step towards financial organization. Identifying what the expenses are? Is it possible to cut off those that are unnecessary and make your budget leaner? which means money left over, which can be used to meet your financial commitments.
So, write down everything you want. spent on the day, from a simple coffee to? a purchase at the mall, and assess which expenses can be eliminated, even temporarily, and which can be reduced. Also start to control the consumption of electricity, water and gels in your home. Review consumer habits at the supermarket and phone plans. Are you? you will feel a huge difference! If you want to have everything noted down, but in a more practical way, enter the Money Lend Capital app. When you connect your account, expenses are automatically listed and categorized. Do you doubt lists? Is it important to know where you are? are you? paying too much interest, what to be? Useful in the next tip.
Search for lower interest loans
Trying to renegotiate with the lender, apply for a loan with lower interest rates or bank portability are some options that can help many indebted people to pay off their debts and get out of the red. Interest rates vary widely between different financial institutions, which can benefit those who are looking for better rate conditions to negotiate a new credit and settle larger debts.
Several trustworthy institutions in the market that charge lower interest on personal loans. The case of Just , Creditas, among others. Are you? can simulate loans in various places within the Money Lend Capital app. The idea ? What with the money you borrowed? pay expensive debts, such as overdraft and credit card, and start paying less interest. See how? Is it easy to start organizing debts?
Moderate spending on leisure
For many consumers, spending on leisure is very heavy for the pocket. Cinema, shopping, restaurants, trips, tours and many other expenses that, many times, do not fit in the budget, but even so they are still being realized. Free activities like trips? beach or walks in the park are good alternatives for those who want to have fun, however, without worrying about the huge expenses involved. Therefore, if you want to organize your debts, moderate in the leisure programs and put on the tip of the pencil what they represent for the budget.
Don’t make new lives
For many people making installment purchases d? the origin of “a real” snowball “, and for that reason this option of payment ends up being a great vile? for indebtedness. When purchases are in installments, the consumer has the false impression that he has spent little, that you didn’t see the total amount come out of your pocket (at least not immediately), what? a danger when organizing debts.
Looking to save to pay? view and still bargain a good discount for using money? an excellent advantage. For this reason, completely eliminate credit purchases and credit cards. What about ?, did you like our tips? J? found yourself wrapped up in doubts? How about helping your friends organize their debts? Then share our content on your social networks!