How to get rid of late bills? See how you can get rid of this worry and solve this problem, find out now.
Getting rid of debt is one of the biggest concerns for millions of people who were unable to pay their monthly bills.
Or they have committed all their income to endless installments, how to solve this problem is what you will learn here.
Last year alone, in 2022, household debt reached 77.9%, a record even for Brazil. The increase was 7 points, when we have 2021 as a reference.
Anyway, getting out of debt is a dream for many people, but how do you get rid of late bills? Find out now how to solve this problem that keeps many people up at night.
financial education
Firstly, we know that this is the problem for most people, the lack of good financial education. If we don't learn how to use our salary, or better yet, how to plan our budget, nothing will be solved.
You can see, it's quite common, people who manage to get out of debt, but quickly find themselves back in debt. Solving this is possible, but financial education is necessary.
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In some countries, financial education is a school subject, so young people grow up with something specific in this area. This avoids many problems in your adult life.
However, this is not the common reality everywhere, so if you learn something in this area, teach your children as soon as possible. Knowing your finances and knowing how to create a family budget is the basis of a healthy financial life.
But, if I am already in debt, how can I resolve what remains unpaid? Even if you balance your accounts, you will need to resolve what remains unpaid, here are some important tips.
How to get rid of late bills?
At first, you will need to know the size of your problem, that is, how much you owe and who you owe it to.
When taking stock of your debts, make a list of all of them, whether on paper or computer, have everything written down so you have a complete picture.
This way, you can find out who your creditors are and how to negotiate with them. Now, you need to know the value of your fixed and variable expenses, that is, what will be paid each month.
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Bills such as house installment, car, fuel, water, energy, internet, food, are bills that will be on your list. In other words, what you have is essential that needs to be paid for monthly.
One finance app It can help at this point to discover and make a list of each of your accounts. Highlight credit card, loan and overdraft debts.
In these accounts, note the payment deadline, as well as the interest on each one. This way, you find out what your payment priority should be.
Looking for a new extra income option is a great possibility, some Websites specializing in job vacancies can help. Know one thing, with discipline and good will, you can get out of this.
Finally, porting your debt to a bank with lower interest rates can be very interesting.
