The Desenrola Brasil Program is entering a new stage this week, allowing consumers to negotiate debts of up to R$20,000. Water, electricity, credit cards, retail, educational services, among others, can have discounts of up to 99%. To help those who want to take advantage and clear their name, Procon de Cachoeiro provides guidance.
The organization’s coordinator, Luis Guimarães de Oliveira, says that the program is a good option for those who want to clear their name, as it offers several facilities. Everyone who had negative debts between 2019 and December 31, 2022 can participate, and it is possible to obtain discounts, installments in up to 60 installments with interest of up to 1.99% per month, possibility of using the 13th to make a deposit and get started payable only in 2024.
But all of this has an end date – Desenrola Brasil offers these conditions until December 31st. To join, you must be registered with “gov.br”, which can be done on the Federal Government page, with silver or gold certification levels, in addition to updated registration data.
The “gov.br” account is an identification that proves the citizen’s identity digitally. With it, you can safely identify yourself and access digital services offered by the government. It is free and available to all Brazilians.
Tips for maintaining a healthy financial life:
When accepting the agreement and taking advantage of the facilities, it is very important that the consumer tries to follow a few steps to maintain a stable financial life. You can see their list below.
1 – Spend less than you earn: by saving part of your salary, you will have an emergency fund.
2 – Carry out annual financial planning, predicting recurring debts, negotiating or paying off those with higher interest rates. In addition, survey fixed assets, debts and whether there is a future forecast for new costs.
3 – Avoid impulse purchases.
4 – Organize debts on paper. Make a list with the name of each one and the value. On one side, add up the total expenses and on the other, include how much receivables you have per month (salary, informal work, such as freelancing, retirement or others).
5 – Hold a family meeting. Whether you have shared expenses or not, it is possible to find a solution together and agree on savings at home.
6 – Cut unnecessary expenses: coffee in the cafeteria, promotions that seem like a good deal, among others. Try to save money at home.
7 – Eliminate debts with high interest: You have a more recent debt, but it has higher interest than the old ones, so negotiate this first so it doesn’t turn into a snowball. Interest is the villain when it comes to reorganizing your financial life.
8 – Negotiate with those who owe money. Make a proposal and explain the current situation. See if the conditions offered fit your budget and get rid of debt.
9 – Set goals: Money needs clear goals so it doesn’t get lost. Creating the habit of researching, not buying on impulse and always having a reserve for emergencies is the best way to get on track.
10 – Reorganize the budget frequently: review how your expenses are going, whether they have increased or decreased and if there is anything that needs attention. This way, you can organize yourself for the following month and get your bills up to date again.
The post first appeared on www.cachoeiro.es.gov.br