Tener deudas es una preocupación bastante desgastante y que genera estrés y frustración. De primera mano, mantén la calma y no pierdas la cordura, las deudas no van a desaparecer de la noche a la mañana, pero si te organizas y tienes una idea de tus entradas y salidas, podrás tener una mejor idea de por donde comenzar.
Pasadas las vacaciones de semana santa, es normal sentirnos un poco “gastados”, con los pagos que se hicieron y en algunos casos todavía estamos pagando. Agregándole, los regalos del día de las madres, más los pagos habituales, tarjetas, etc.
Según economistas, el 76% de los mexicanos están endeudados. Sin embargo lo más grave es que si ese porcentaje lo hacemos 100%, entonces el 48% está en riesgo de caer en moratoria.
Si te pasaste de tu presupuesto, el ahorro “no fue lo tuyo” por las recientes vacaciones de semana santa y las deudas siguen creciendo, toma en cuenta las siguientes recomendaciones.
Identifica cuánto y cómo
Haz una lista de los diferentes montos, tasas y pagos mínimos. Esto te ayudará a conocer las deudas más próximas y peligrosas. Trata de darle prioridad a las que tengan mayor tasa de interés.
- Liquida deudas con monto menor
Expertos recomiendan, liquidar las deudas que puedan salir más rápido o que tengan un monto menor, para así, ir descartando compromisos que se puedan presentar en un futuro.
- Cambia de acreedor (Persona o institución a la que se le debe dinero).
Si tu deuda tiene intereses muy altos, es aconsejable pagar la deuda y en su caso, cambiar de acreedor por otro que tenga mas beneficios o que sean menos costosas. Puedes consultar la página de condusef (www.condusef.gob.mx) para conocer las instituciones financieras que cuentan con los mejores productos y menos intereses.
- Pide un préstamo que sea viable
Si estás pensando en pedir un préstamo para cumplir con los pagos correspondientes, es muy importante que compares todas las alternativas que existen, ya sean bancos, casas comerciales, de empeño, etc. Toma en cuenta el tiempo que tardarás en pagarlo y la capacidad de pago que tienes para liquidarlo.
Si todo lo demás falla, intenta ir con una reparadora de crédito. Son empresas mediadoras entre el banco y tú, te dan asesoría financiera e intentar llegar a una negociación. Pero ojo, preocúpate si prometen borrar tu historial del buró de crédito, eso no pasará. Revisa a fondo el contrato y toma tus debidas precauciones.
Mejora tu administración personal. Analiza en qué y cuánto gastas más. Evita endeudamientos excesivos y trata primeramente de salir de una deuda, antes de comenzar con otra.
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