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Como se livrar das dívidas em 2020

Como se livrar das dívidas em 2020

Você está acabando o ano, de novo, com as mãos na cabeça e com a mesma situação do início do ano ou do ano anterior, ou seja: cheio de dívidas?

Não se preocupe amigo, que não é só você que está nesta situação…

Quero dizer, se preocupe sim, apesar de você não ser o único que está nesta situação.

Ninguém merece viver se descabelando sem saber o que fazer diante de tantas dívidas e problemas, não é mesmo? 

VOCÊ NÃO MERECE ISTO!

Mas também não se desespere porque tudo na vida tem jeito (menos pra morte). Por isso vamos te mostrar importantes e valiosas dicas para terminar o ano no azul.

Abaixo listo 10 dicas maravilhosas para você seguir e começar a ver suas dívidas sendo diluídas gradativamente.

1º TENHA CONTROLE DOS SEUS GASTOS

A primeira coisa que você deve fazer para começar a se livrar das dívidas é ter um controle sobre elas. Faça uma planilha no excel ou mesmo escreva-as em um caderno.

O importante é saber o quanto você recebe realmente, seu salário líquido, e saber também onde você está gastando seu salário.

Anote todas as despesas e comece a analisá-las, uma a uma. Será que todas são realmente necessárias?

2º ACABE COM AS DESPESAS SUPÉRFLUAS

Quando você começar a analisar suas despesas, vai perceber que muitas coisas estão tomando parte de sua renda e talvez não precisariam estar ali.

Esta é uma etapa muito importante. Não use a emoção para fazer esta análise. Seja racional, imagine-se vivendo sem aquela “coisa”, aquela despesa. 

Racionalmente, faria alguma diferença em sua vida riscar esta despesa, nem que seja temporariamente?

3º VALE A PENA GASTAR COM TV A CABO?

Se você tem assinatura de TV a cabo e as dívidas estão sentadas ao seu lado, no sofá, então você deve se livrar da TV a cabo.

Analise se realmente vale a pena ter uma assinatura com centenas de canais, que talvez você nunca consiga assistir. Eu acho que não vale a pena.

Hoje em dia existem muitas facilidades em assistir a muitos programas pela internet.

Mas se você faz questão, tente mudar para um plano mais enxutinho, com menos opções de canais. De repente você tem a opção de escolher só aqueles que realmente assiste. Pense nisto.

Ah! Outras assinaturas, como a Netflix por exemplo, também conta tá. Pode até ser um valor pequeno, mas de grão em grão a galinha enche o papo. Então não exite na hora de cancelar seu contrato.

4º FUJA DE PROMOÇÕES

Você pode estar dizendo: “fugir de promoções, ué eu não deveria aproveitar os preços menores?”

Acontece que eu estou falando das armadilhas que o Comércio e as propagandas colocam para que você compre compulsoriamente, sem necessidade.

Antes de correr e comprar tal produto que está bem abaixo do valor normal questione se você está mesmo precisando comprá-lo, mas de forma racional, sempre.

Por exemplo, se você já tem um par de sapatos pretos que ainda estão em bom estado, melhor é esperar pagar o boleto do cartão de crédito que está por vir. Mais pra frente você compra outro…

5º CORTE O CARTÃO DE CRÉDITO

E por falar em cartão de crédito, corte-o. Mas corte em pedacinhos bem pequenos pra não ter o risco de consertá-lo.

Brincadeiras à parte, mas se for necessário corte mesmo.

O ideal aqui é você fazer um “catado” em sua carteira, pegar todos aqueles 31 cartões de crédito que você tem e começar a “inutilizá-los”.

Claro, provavelmente todos eles estão sendo usados, não é mesmo? Sei disso, mas você precisa começar agora a planejar como vai deixar de usar, um por um. 

O ideal seria não ter nenhum cartão de crédito ou no máximo um.

Tarefa difícil? Não, se você planejar. Utilizando aquelas simples idéias que eu te falei logo acima você consegue. 

Você vai sentir como se tirasse um enorme peso das costas a cada cartão que for sendo cancelado. Isto mesmo, você vai cancelar cada cartão!

6º PLANEJAMENTO É A ALMA DO NEGÓCIO

De todo negócio!

Tudo o que fizermos na vida com planejamento tem melhor resultado do que quando fazemos de qualquer maneira, sem pensar.

Com o dinheiro, também funciona assim. Lembra que eu falei pra fazer uma planilha para saber como cuidar das despesas.

Planejar é a mesma coisa, é a chamada PREVISÃO DE ORÇAMENTO, onde você coloca ali como vai ser utilizado seu salário.

Começando sempre pelo mais importante e de primeira necessidade, como por exemplo: mercado, água, luz, etc.

Por último as contas de menor importantância como por exemplo o cinema com os amigos (no ano que vem você pode ir. kkk).

Sempre previsionando uma sobra que deverá ser para urgências e também para investimento.

Nunca deixe de colocar esta previsão de sobra, mesmo que pareça impossível ou mesmo que você não consiga deixar uma sobra nos primeiros meses.

Com o passar do tempo, você vai ver que é possível sim e cada vez mais vai querer aumentar esta sobra. Inicie com 10% do seu ganho líquido.

7º NÃO DEIXE O DINHEIRO SER SEU DONO

Quem seu dinheiro está pensando que é, querendo mandar em você? Não deixa não…

A verdade é esta mesmo, você deve estar no controle. Sempre!

Muitas pessoas que ganham um bom dinheiro e mesmo outras que têm pouco vivem em situações financeiras precárias porque não sabem dominar o dinheiro, são escravas dele.

O que ocorre geralmente é o seguinte: 

Estas pessoas não tiveram uma boa educação financeira quando crianças e na juventude. 

E quando entram na idade produtiva e começam a ganhar dinheiro ficam alucinadas e sem saber o que fazer com ele. Geralmente vão gastando sem pensar, sem se programar…

Adquirem coisas que não precisam, muitas vezes para impressionar os outros, vão comprando o que aparece pela frente.

O problema é que o dinheiro pode comprar o infinito e, quanto mais estas pessoas adquirem coisas, mais se frustram porque ainda faltam muitas outras coisas para serem adquiridas.

É um ciclo recorrente e perigoso, pois quando o dinheiro acaba elas vão dar um jeito de conseguir mais dinheiro.

E o pior: ELAS CONSEGUEM! Viva!

Viva coisa nenhuma. Agora é que elas se encrencaram pois quem conseguiu isso pra elas foram os bancos através de empréstimos e as administradoras através dos cartões de crédito (corta ele por favor).

Elas vão pagar caro por isto. 

Se esta é a sua situação, por favor pare com isso agora mesmo, não volte no banco para pegar mais dinheiro e não peça nem aceite nenhum outro cartão de crédito.

Lembre-se: PROGRAME-SE!

8º NEGOCIE SUAS DÍVIDAS

Negociar suas dívidas significa ir diminuindo os custos e não liberar espaço para conseguir mais crédito, entendeu?

Principalmente quando os boletos e faturam começam a se acumular em cima da mesa.

Não se desespere! Mas também não deixe as coisas como estão. Os juros estão crescendo de forma exponencial e não vai parar a não ser que você entre em contato com a empresa e negocie.

As empresas estão muito abertas à negociação, pois para elas é muito melhor cortar os juros e taxas e ainda uma parte da dívida para receber logo do que ir às instâncias judiciais, que demora muito tempo e tem um custo judiciário elevado.

Coloque suas dívidas numa planilha, ligue, converse, negocie e vai anotando tudo certinho e encaixando dentro de sua capacidade. 

Dentro de sua capacidade, hein. Pois não adianta nada negociar, conseguir redução e depois não dar conta de honrar. Você pode estar perdendo a oportunidade de uma futura outra negociação.

Comece pelas contas que incidem juros maiores e que estão com mais tempo vencidas/atrasadas. 

9º ENVOLVA SUA FAMÍLIA

“Queria saber quem usou meu cartão de crédito sem pedir?! Foi a mãe, papai”.

De nada adianta você fazer todo aquele esforço que já aprendeu aqui com a gente se o restante da família está vivendo em outro mundo.

“Convoque uma reunião extraordinária na sua casa”

Isto mesmo, todos precisam estar em sintonia com este processo, senão vai tudo por água abaixo. 

Peça para todos levarem suas carteiras nesta “reunião” e faça a “sessão corta-cartão” ali mesmo.

Vai ser a parte mais dolorosa deste encontro em família, vai ter muito choro e lágrimas mas vai ser um bem necessário (adoro cortar cartões).

O resto você já sabe, se esquecer de algum detalhe volta aqui e recapitule.

10º E POR ÚLTIMO: PROGRAME-SE MAIS UM POUQUINHO

Fazer contas nunca foi tão divertido!

É bom estar sempre dando uma olhada no que foi programado para se certificar de que está em conformidade com os seus gastos.

Claro, se for preciso ajustar algumas coisas, faça-o. Mas desde que seja algo muito relevante pois se a todo momento for ajustando aqui e ali já deixa de ser um planejamento.

Com o tempo você vai aprender a se planejar de uma forma tão eficiente que irá parecer coincidência demais, mas confie, funciona mesmo.

Obrigado por ficar aqui para termos este bate-papo bem produtivo.

Te encontro logo mais.

Não enviamos spam. Seu e-mail está 100% seguro!

Sobre o Autor

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