But after answering ' ' YES I BUY! ' ' , who will be with the obligation to honor the payments? Who will place its credit, its patrimony, its name at risk? This person is who types the password of the card, who signs the check or credit order: THE PURCHASER. E, together with this instant of happiness generated for the purchase, quite frequently also goes off the missile of the indebtedness without planning that, in the great majority of the times, goes to generate many migraines and remorse. Valley the penalty to change one minute of satisfaction for a tempo of estresse and migraines? It compensates, really, to spend without planning before? Not, it does not compensate and it can be prevented. How to make? 1) It knows how much it earns (how much it enters liquid in its account or the wallet); 2) It knows how much it spends; 3) It knows how much it must (one will have debts); 4) ONE REMEMBERS: THE TOTAL OF THE MONEY EXITS CANNOT SURPASS ITS NET REVENUES! Some attitudes to be considered: – To keep a register brought up to date of ALL its prescriptions and expenditures. – To save, at least, 10% of the liquid profits. – To design the expenditures month the month (if not forgetting them months it ' ' Ip' ' – IPVA, IPTU – and of the annual adjustment of the IRPF).
– To place the fixed expenditures (rent, condominium, taxes, safe from health, basic college, feeding and clothes) as with priority. – To be of eye in the expenditures with credit card. The parcels of the credit card must be part of the monthly budget. At the end of the month, the invoice of the card must be paid of integral form. The value of the invoice must fit inside of its monthly net salary.