{"id":24945,"date":"2022-05-17T16:50:32","date_gmt":"2022-05-17T13:50:32","guid":{"rendered":"https:\/\/valorizei.com\/?p=24945"},"modified":"2023-07-25T20:39:40","modified_gmt":"2023-07-25T17:39:40","slug":"plano-para-sair-das-dividas","status":"publish","type":"post","link":"https:\/\/valorizei.com\/en\/plano-para-sair-das-dividas\/","title":{"rendered":"9 Steps to Creating a Plan to Get Out of Debt Immediately"},"content":{"rendered":"

See the step-by-step guide on how to create a plan to get out of debt<\/strong><\/p>\n\n\n\n

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Developing a plan to get out of debt is very important for you to regain control and financial balance. <\/p>\n\n\n\n

Debts, late payments and rising interest rates are some of the issues that keep Brazilians up at night.<\/p>\n\n\n\n

In fact, almost half of Brazilians (42%)<\/a> who has an overdue account in the Positive Registry, is over-indebted, that is, with debts out of control.<\/p>\n\n\n\n

Although it is difficult, with determination and control, it is possible to get out of debt.<\/p>\n\n\n\n

Therefore, we have outlined some steps to help you reorganize your financial life. To learn more, continue reading.<\/p>\n\n\n\n

If you are in debt, know that it is possible to get out of this situation.<\/strong><\/p>\n\n\n\n

See the step-by-step guide to creating a financial plan and getting rid of debt once and for all:<\/p>\n\n\n\n

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1. Organize your debts<\/strong> <\/h2>\n\n\n\n

The first step is to organize all your debts.<\/strong><\/p>\n\n\n\n

List everything that is late on payment: credit cards, household bills, overdraft, among others.<\/p>\n\n\n\n

Next to each item on the list, enter the monthly payment amount, total due, and number of installments remaining.<\/p>\n\n\n\n

Many people don't know exactly what they owe, which makes organization even more difficult.<\/p>\n\n\n\n

In fact, in many cases, the problem starts precisely with the lack of spending control.<\/p>\n\n\n\n

Therefore, the first step of the plan is essential for you to get rid of debt. This can be done in a spreadsheet or in a finance notebook.<\/a><\/p>\n\n\n\n

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2. To create a plan to get out of debt, do your financial diagnosis<\/strong><\/h2>\n\n\n\n

Personal financial diagnosis is the survey of your income and all your expenses.<\/strong><\/p>\n\n\n\n

In other words, it is a solution used to completely map the personal or family budget.<\/p>\n\n\n\n

This way, you can know exactly how much you earn, how and how much you spend your money and the total value of your debts.<\/p>\n\n\n\n

To do this, you first need to answer a few questions:<\/p>\n\n\n\n

\u2022 How much do you earn?<\/p>\n\n\n\n

\u2022 How much do you spend per month?<\/p>\n\n\n\n

\u2022 What are your fixed and variable expenses?<\/p>\n\n\n\n

Ideally, these notes should be made monthly, so that you can really organize yourself and never lose control of your accounts.<\/p>\n\n\n\n

\"anote<\/figure>\n\n\n\n

3. Cut unnecessary expenses<\/strong><\/h2>\n\n\n\n

For a certain period of time, you will need to cut your expenses.<\/strong><\/p>\n\n\n\n

This step is essential for you to organize your budget, save money to pay your debts and build up your emergency fund.<\/p>\n\n\n\n

Many people get into debt because, in addition to spending more than they earn, they also cannot avoid impulsive purchases.<\/p>\n\n\n\n

So, take the opportunity to analyze your budget and see which expenses can be cut.<\/p>\n\n\n\n

Some examples of expenses to reduce or eliminate:<\/p>\n\n\n\n

\u2022 Excessive use of credit cards<\/p>\n\n\n\n

\u2022 Subscriptions to magazines you don\u2019t even read<\/p>\n\n\n\n

\u2022 Eating out and happy hours<\/p>\n\n\n\n

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4. Create an action plan<\/strong><\/h2>\n\n\n\n

Once you have a better understanding of the value of all your debts, it\u2019s time to think about creating a plan to get out of debt.<\/strong><\/p>\n\n\n\n

Ideally, you should define an order of priority, that is, make a list of the debts that should be negotiated first.<\/p>\n\n\n\n

In this part, in addition to thinking about a plan to get out of debt, it is also important to think about ways to cut or even eliminate some of your expenses.<\/p>\n\n\n\n

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5. Start negotiating your debts<\/strong><\/h2>\n\n\n\n

After listing all your debts and putting together an action plan, contact your creditors to renegotiate any outstanding amounts.<\/strong><\/p>\n\n\n\n

It is important to remember that you should only move on to this negotiation phase if you can deliver on what was agreed.<\/p>\n\n\n\n

Just as you are interested in paying off your debts, companies also want to receive payment. Therefore, prepare a payment proposal, considering how much you can afford to pay off everything you owe.<\/p>\n\n\n\n

If possible, try to pay the debt in cash, so that you can negotiate a more advantageous discount.<\/p>\n\n\n\n

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6. Participate in trade fairs and negotiation campaigns<\/strong><\/h2>\n\n\n\n

Some financial institutions and private companies have the habit of promoting trading fairs throughout the country.<\/strong><\/p>\n\n\n\n

Fairs and campaigns are great options for you to get good debt settlement proposals within your available budget.<\/p>\n\n\n\n

These campaigns take place both in person and online.<\/p>\n\n\n\n

Keep an eye on the social networks and official communication channels of these institutions, so that you can know when these fairs will take place.<\/p>\n\n\n\n

These are very interesting options, as they normally offer greater discounts than the market average.<\/p>\n\n\n\n

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7. When creating a plan to get out of debt, consider the possibility of using the FGTS<\/strong><\/h2>\n\n\n\n

In this section, you can also think about the possibility of using the FGTS to pay debts.<\/strong><\/p>\n\n\n\n

The Severance Pay Guarantee Fund (FGTS)<\/a> It is a labor right. Under certain conditions, it is used to pay debts.<\/p>\n\n\n\n

This involves withdrawing funds deposited in accounts and using them to pay off financial debts.<\/p>\n\n\n\n

Also keep an eye out for emergency withdrawals.<\/p>\n\n\n\n

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8. Set goals to get out of debt<\/strong><\/h2>\n\n\n\n

Setting goals is important so that you can achieve your dreams in both the short and long term.<\/strong><\/p>\n\n\n\n

However, it is important to remember that you need to set realistic goals so that you can really organize yourself and achieve what you want.<\/p>\n\n\n\n

In other words, when setting spending reduction goals, keep in mind which expenses can actually be eliminated or reduced, in addition to considering your current financial situation.<\/p>\n\n\n\n

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9. Look for extra income to get out of debt<\/strong><\/h2>\n\n\n\n

In addition to cutting costs, it is also interesting to look for extra income options<\/a> to supplement personal income.<\/p>\n\n\n\n

Often, simply reducing expenses is not enough, because even with all possible cuts, there may still not be enough money to pay all debts.<\/p>\n\n\n\n

Here are some ideas for extra income:<\/p>\n\n\n\n

\u2022 Sell handmade products<\/p>\n\n\n\n

\u2022 Sell things you have but no longer use (clothes, shoes, decorative objects, etc.)<\/p>\n\n\n\n

\u2022 Be a reseller of products<\/p>\n\n\n\n

\u2022 Give private lessons<\/p>\n\n\n\n

\"as<\/figure>\n\n\n\n

Conclusion<\/strong><\/h2>\n\n\n\n

Creating a plan to get out of debt is essential to having more control and financial organization.<\/p>\n\n\n\n

With all these tips, it becomes easier to negotiate your debts and get rid of them once and for all!<\/p>\n\n\n\n

Although this process is not easy, it is essential for you to achieve good financial balance again.<\/p>","protected":false},"excerpt":{"rendered":"

Veja o passo a passo de como criar um plano para sair das d\u00edvidas Desenvolver um plano para sair das d\u00edvidas \u00e9 muito importante para voc\u00ea recuperar o controle e equil\u00edbrio financeiro.  D\u00edvidas, pagamentos em atraso e aumento de juros, s\u00e3o alguns dos assuntos que mais tiram o sono dos brasileiros. Ali\u00e1s, quase metade dos… Continue reading<\/a><\/p>","protected":false},"author":21,"featured_media":24947,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"%%title%%","_seopress_titles_desc":"Veja o passo a passo de como criar um plano para sair das d\u00edvidas, elaboramos 9 estrat\u00e9gias para por em pr\u00e1tica agora mesmo!","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"","_seopress_social_fb_desc":"","_seopress_social_fb_img":"","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"","_seopress_social_twitter_desc":"","_seopress_social_twitter_img":"","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"","_seopress_redirections_param":"","_seopress_redirections_type":0,"_seopress_analysis_target_kw":"plano para sair das d\u00edvidas","footnotes":""},"categories":[9],"tags":[],"class_list":["post-24945","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-educacao-financeira"],"_links":{"self":[{"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/posts\/24945","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/users\/21"}],"replies":[{"embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/comments?post=24945"}],"version-history":[{"count":14,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/posts\/24945\/revisions"}],"predecessor-version":[{"id":32909,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/posts\/24945\/revisions\/32909"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/media\/24947"}],"wp:attachment":[{"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/media?parent=24945"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/categories?post=24945"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/tags?post=24945"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}