Tenha Controle dos seus gastos.
“Mas eu tenho, controle dos meus gastos, só não vem me perguntar quanto eu usei do meu limite este mês, tá? Quando chegar o cartão de crédito é só eu conferir. Entendeu?”
Você tem certeza que sabe controlar os seus gastos?
Muitas pessoas acreditam que sim pois elas têm a ilusão de que vão lembrar, no final do mês, o que foi gasto com o dinheiro recebido.
Isto não é verdade e ainda é algo muito perigoso… É viver perigosamente.
Passei muito por isso ao longo dos meus anos de devedor. Eu achava que no final do mês saberia exatamente com o que gastei minha “grana”.
Você sabe o que acontecia no final do mês? Pois bem, eu não tinha ideia onde tinha ido parar meu dinheiro. Ficava horas tentando lembrar, mas nunca conseguia fechar os cálculos.
Descontrolado? Eu?
Você pode dizer assim: “vai ser descontrolado lá na China”.
É isso mesmo amigo, eu era um total descontrolado, mas sei que infelizmente esta realidade não é só minha, é da maioria dos brasileiros, da imensa maioria.
E o pior de tudo é que eu fazia isso todos os meses e por muitos anos. Aliás, todos os endividados fazem assim. E ainda acham que estão certos e nem entendem porque nunca tem dinheiro sobrando.
O banco detém todo poder sobre meu dinheiro!?
Houve um momento em minha vida que eu já estava quase sócio dos bancos, mas nas dívidas…
Mal acabava de quitar um contrato de empréstimo, já estava assinando outro. Muitas vezes eu acabava renovando o empréstimo antes mesmo de quitar metade das parcelas.
Os bancos já ligavam de tempo em tempo me oferecendo crédito, já que era quase certeza que eu iria fazer negócio com eles.
Pegava empréstimos para pagamentos com cheques. Geralmente mais de vintes folhas ficavam na mão das financeiras sendo descontados todo mês.
Como eu era funcionário público tinha a facilidade de fazer empréstimos consignados, que tem taxas de juros menores do que os empréstimos convencionais, mas ainda assim eram muitos juros.
Ao longo de todos estes anos (foram quase 10 anos nesta vida de devedor) foi grande o prejuízo, imagina só quanto os bancos não lucraram em cima de mim.
O Devedor Profissional!
Eu era o cliente perfeito para eles. Já tinha me tornado um “DEVEDOR PROFISSIONAL” e eles sabiam disto.
Eu não era dono do meu dinheiro. Vivia às custas dos empréstimos ao ponto de nunca ter dinheiro para fazer planos.
Mal conseguia passear com minha família, pois tudo o que fazemos hoje em dia tem um certo custo.
Viajar aos finais de ano e nas férias era algo fora de questão. Só fazia quando tinha uma folguinha no saldo do cartão de crédito (sempre ele pra me atrapalhar).
Talvez você esteja vivendo esta realidade, não sei. Mas sei que isto é algo bem comum no Brasil.
Mas eu tenho um ótima notícia pra quem está nesta situação: não é o fim, ainda tem jeito.
Planilhar, Pensar, Planilhar…
Em primeiro lugar você precisa planilhar tudo o que você deve. Não tenha preguiça.
O ideal é fazer no excel, mas se você vendeu até o computador ou não saiba usar o programa, faça isto em um caderno, folha de papel, em qualquer lugar, mas FAÇA!
Ali você vai colocar os seus ganhos e suas dívidas, mas coloque TODAS mesmo, desde aquele chicletinho que você comprou no terminal enquanto esperava o ônibus até suas compras parceladas.
No início vai parecer um pouco difícil e trabalhoso, mas é assim mesmo. Não desista, isto é a sua vida sendo resolvida. Pense que você, um dia, vai se ver livre desta angústia.
Ah! Outra coisa que eu lembrei agora: se na sua casa cada um tem SEU próprio salário, mude esta situação.
Não existe SEU ou MEU dinheiro. Todos estão inseridos numa mesma realidade. Some toda a renda, de todos como uma única renda.
Depois comecem, todos da família, a eleger o que deverá ser cortado (mesmo se for por um tempo).
Reveja os gastos e RECOMECE!
Reveja seus contratos de empréstimo e tente negociar dívidas altas, antigas, com elevadas taxas de juros, etc.
Faça um planejamento de quitação das contas uma a uma, mês a mês, até o ponto de quitação completa (mesmo que pareça algo impossível).
Ainda que este plano de quitação dure alguns anos, tente segui-lo o mais responsável possível.
Lembre-se: é melhor passar alguns anos vivendo de forma bem limitada do que viver o resto da vida com o “dinheiro dos outros”.
Em nossos próximos posts traremos mais orientações para você seguir e ver suas dívidas indo embora da sua vida.
Não esqueça de compartilhar o máximo possível para todos que você conhece, em todos os seu grupos e redes sociais para que mais pessoas possam se livrar das dívidas.
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