Eliminando la deuda paso a paso
Es fácil pasar por alto los cargos por intereses en una cuenta bancaria y tarjeta de crédito. Rara vez realmente solemos verificar todo este proceso para ver lo que ya pagamos en intereses durante el año anterior.
Ten en cuenta que una señal de advertencia de gastos excesivos es no abrir facturas y evitar discusiones en dinero con tu pareja. Antes de que te des cuenta, estás endeudado, estresado e infeliz con tu situación familiar.
No entierres la cabeza en la arena, enfrenta tus problemas. Un plan estructurado para establecer qué hacer es lo que realmente necesitas. Hay que comenzar por evaluar la carga de la deuda. Por eso puedes hacer una lista de activos, ingresos, ahorros y deudas. También calcula cuánto ingreso tendrás en los próximos seis meses y ve cuánto necesitas para lo esencial (vivienda, transporte, comida, etc.).
Ahora puedes hacer un plan realista que te permita pagar tus deudas en pequeñas cantidades si es necesario.
Pero lo más importante es que busques asesoramiento profesional, de preferencia con una firma acreditada por el gobierno para manejar estas situaciones.
Por esa razón, puedes contar con Morataya Corp para finalmente liberarte de tus deudas. Es hora de que planifiques tu futuro financiero correctamente. Puedes contactarlos a través de este enlace o llamándolos al (416)784-0904 hoy mismo.
How Much Debt is Affordable?
Having a lot of debt or having a good credit rating does not always mean you are a good credit user. There are safe limits for debt based on your monthly net family income. This proportion will determine whether you are able to afford the monthly payments.
If your income is less than the poverty line in Canada (poverty line—$20,676 for a single person, or $41,351 for a household of four, according to 2011 data compiled by Statistics Canada. Feb 20, 2017), you may never be able to afford the use of credit. Use of credit will make future cash less available and will cause a greater strain on the family’s money. The more you are committed to paying towards debt the less money you will have for necessities.
If, however, you have a reasonable income, you need to look realistically as to how much credit can you use before the debt payment is so tight you and your family are struggling to manage your personal finances.
Below are percentages of take home pay needed for payment on non-mortgage debt with indicators of potential risk.
| 10% or less |
= |
Ideal |
| 11-15% |
= |
Safe |
| 16-20% |
= |
Manageable (20% limit) |
| 21-25% |
= |
Caution exceeding manageable limit |
| 26-30% |
= |
Attention credit problems may occur |
| 31-35% |
= |
Danger credit problems likely to occur |
| 36 + |
= |
Extreme danger credit problems certain |
|
Shedding Debt Step-by-Step
It is easy to overlook interest charges on your bank account and credit card. Rarely do we actually check to see what we have already paid in interest over the past year.
A warning sign of overspending is, not opening bills and avoidance of money discussions with your partner. Before you know it, you are in debt, stressed out and unhappy with life.
Don’t bury your head in the sand – but face your problems. A structured plan setting out what to do is what you really need. Begin by assessing the debt load. Make a list of assets, income, savings and debts. Calculate how much income you will have in the next six months and see how much you need for essentials (housing, transportation, food, etc.). Now make a realistic plan that allows you to pay off debts in small amounts if necessary. Seek professional advice from a licensed Insolvency Trustee.
You can trust your financial future with Morataya Corp., a bilingual licensed insolvency trustee that can help you easily with all your debts. You can contact them through their website here or call them directly to (416) 784-0904.
