Get out of debt And having financial independence is the goal of many Peruvians who work hard every day to get ahead. However, with the issue of debts, many find themselves in front of a great snowball that does not seem to end. Those who are in this situation should not lose their cool, as there are ways to get out of debt by paying them off in a short time.
Tips to get out of debt in less time
If this is your case, here are some tips so that you can be debt free soon:
Be aware of your debts
The first step in dealing with any problem is acceptance. In that sense, you must accept that you have debts and that the goal is to pay them off. Only then can you draw up a plan to help you achieve it. By being aware of your debts you can also sort them by payment priority; Try to pay off those that are charging you higher interest beforehand.
Know your personal budget
Developing a personal budget is not complicated, you can do it in a notebook or in an Excel sheet. In this document you only have to record all your income and expenses. This will help you identify your necessary expenses (services, savings, debts) and those that are not. You can even remove the latter to be able to save more to pay your debts earlier.
Evaluate programs that help you negotiate your debt
Finally, we also advise you to look for programs that help you pay off your debts in less time with greater benefits. For example, in alDay there is My Board program, thanks to which, if you have overdue debts for more than 60 days and for amounts of one thousand soles or more, you can sign up. In the program, we will group you with other people in the same situation as you, so that they can save monthly to a protected account by creating an individual fund; With this fund we will be able to negotiate better benefits for the payment of your debt.
Would you like to know about this and other alDía programs? Contact us so that one of our advisors can guide you!