Delaying the payment of bills is part of the routine of many Brazilians in times of the financial crisis. Especially when the lack of control, debt, high interest rates and accumulated debt, which specifically offer the organization of daily financial affairs. According to Cerasa data, in December 2024, 73.51 million people were delayed.
In this sense, among the main factors that contribute to delaying accounts are: unemployment, income changes, financial regulation lack, excessive use of credit cards and loans in general. Thus, you need to pay more attention to creating healthy and non -default financial habits. Check the tips out of “red”!
What is default?
The concept of failure to pay on people or companies that could not pay an invoice during the specified time at the beginning. Thus, the default differs from the debt that indicates only the fact that “debt” can occur from basic accounts such as water, electricity and cellular, to greater obligations, such as loans and financing.
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Tips to avoid virtual
See your monthly spending
When do you always make your purchases? Write your expenses At the end of the month to monitor the place where you can reduce some costs. This practice is a good advice to better present your money and set your priorities at the present time.
Avoid installments at the time of purchase
For many people, installments are an excellent option when it is necessary to buy an expensive product, but if it is not used with caution, it may cause this Installment Which, in the end, may be stacked in debt.
Map
Fixed payments that need to be made every month, such as water, rent, electricity and the Internet, need additional care. Therefore, always use a schedule or consult a spreadsheet for Follow the date of entitlement From every ticket.
Debt performance re -negotiation
If you are already in a position with late debt, it is advisable to seek to contact creditors to find it Better payment conditions And avoid interest rates that increase over time.
To maintain full control over financial affairs, it is necessary to create some The goals that must be achieved. Set some goals such as “pay all debts to a specific time” or “less spending on buying clothes this month.
(Victoria Rodriguez, trainee in the press, under the supervision of Vanessa Penheiro, Web publisher in Olibral .. Com)
