{"id":22908,"date":"2023-11-27T17:26:05","date_gmt":"2023-11-27T20:26:05","guid":{"rendered":"https:\/\/jornalemfoco.online\/?p=22908"},"modified":"2023-11-27T17:26:06","modified_gmt":"2023-11-27T20:26:06","slug":"saia-das-dividas-de-uma-vez-por-todas","status":"publish","type":"post","link":"https:\/\/jornalemfoco.online\/en\/economia\/saia-das-dividas-de-uma-vez-por-todas\/","title":{"rendered":"Get out of debt: take back control of your financial life!\u00a0"},"content":{"rendered":"

The situation is not easy for anyone: global debts revolve around US$ 253 trillion!<\/strong> It's hard to imagine that much money... <\/p>\n\n\n\n

To make matters worse, this value represents 322% of world Gross Domestic Product (GDP)<\/strong>. Loans acquired by governments are among the main causes of this economic disruption, which affects everyone \u2013 without exception. <\/p>\n\n\n\n

As a result, most fiat currencies are facing a sharp decline, which compromises the purchasing power of a large part of the population. In order to minimize problems, many take out loans or pay in installments, but are unable to honor their debts. <\/p>\n\n\n\n

However, you can take control of your financial life and get rid of debt little by little, as long as you have the desire and a lot of discipline. The path is not easy, it is true; But most of the things that are worth it in life are difficult, right?! <\/p>\n\n\n\n

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The main causes of debt<\/strong> <\/h2>\n\n\n\n

Have you ever stopped to think about why you just never manage to get out of the red at the end of the month? Well, these are just some of the main causes: <\/p>\n\n\n\n

Appealing marketing<\/strong> <\/h3>\n\n\n\n

Advertising campaigns are responsible for selling anything. Certain techniques are used ferociously to seduce their respective target audiences until they open their wallet and take out their credit card. <\/p>\n\n\n\n

However, people are not always able to honor the invoice (and several things can be responsible for this). Credit card interest rates are truly staggering. It's never a good idea to let them build up for too long.<\/p>\n\n\n\n

People who are unable to resist the temptations of the free market can abandon self-control altogether and form real snowballs of debt. <\/p>\n\n\n\n

Deficit budget<\/strong> <\/h3>\n\n\n\n

Instead of saving money for a few months until you buy what you want, paying for goods and services in installments may seem like a great idea at first glance. However, living beyond your means is an incredibly routine trap that creates multiple victims every year. <\/p>\n\n\n\n

There is no problem with having one or two installment purchases; as long as you don't do it nonstop. Otherwise, the recipe for disaster will be prepared by leaps and bounds.<\/p>\n\n\n\n

Less income, more expenses<\/strong> <\/h3>\n\n\n\n

You may have been left without a job or your family income, for various reasons, may have reduced substantially. The problem is that many people simply do not accept reducing their standard of living \u2013 and the bills continue to appear. <\/p>\n\n\n\n

There's no need to say how bad this situation is, right? Even people with great salaries can go through great hardships in these situations. Totally avoidable, by the way\u2026 <\/p>\n\n\n\n

Divorce<\/strong> <\/h3>\n\n\n\n

Litigious separations can cause major headaches for the couple's financial health. Furthermore, each spouse now has their own monthly income; it is no longer a joint income. This certainly impacts the final results. <\/p>\n\n\n\n

How to escape debt?<\/strong> <\/h2>\n\n\n\n

Time to clear the bills and make your money go much further at the end of the month. Delicate situations require equally meticulous solutions.\u00a0<\/p>\n\n\n\n

Your financial life can be much better if you follow this path: <\/p>\n\n\n\n

Make a list of everything<\/strong> <\/h3>\n\n\n\n

How many debts do you currently have? Take a pen and paper (or even your PC or smartphone) and write down each one of them. It is important to size the problem to seek intelligent solutions for them. <\/p>\n\n\n\n

Include all information pertinent to the debts: initial value, current value, interest, payment deadline, etc. All this data will be essential for the steps to follow.<\/p>\n\n\n\n

Organize your input and output values<\/strong> <\/h3>\n\n\n\n

Separate your list as follows: <\/p>\n\n\n\n

Monthly fixed expenses:<\/strong> <\/p>\n\n\n\n