In the latest surveys carried out by the Confederation of Trade in Goods and Services, the year 2021 began with more Brazilians in debt. So how to get out of debt in 2021?

To get rid of debts, it is necessary to do more than simply make that decision, but to take the right actions and thus make strategic plans.

That is, we are going to show you how you can plan to get out of debt, and stop being among the thousands of indebted Brazilians.

To get rid of debt, we'll tell you 08 ways to do smart planning, and with results. Check out!

First of all, to plan intelligently and get out of debt, you need to understand the size of your debt.

This is because, without knowing the debts, with their amounts and estimates, it would be like a blind man trying to get around on his own.

So, for this, it is recommended that you take paper and pen, or make an excel spreadsheet on the computer, and thus put all the debts in detail.

So, don't be lazy or afraid, try to start evaluating your debts today.

Within financial planning to get rid of debt, another tip is to know the origins of these debts.

That is, still in that debt worksheet, try to make notes of the origins of these debts.

This is because, by knowing the origins, you can even claim any debt that may not be fair, as well as establish payment priorities based on the dates of each debt.

And, in addition, making a description of debts with your creditors also helps to look for negotiations in the future.

As we mentioned earlier, it is recommended that financial planning be carried out so that all goals can be met.

And besides, financial planning is the best way to deal with old debts, current expenses, and future expenses.

Therefore, above all, financial planning is the starting point for getting out of debt in 2021.

Another tip to get rid of debt is to know how to set goals to be met, because promises are broken but goals are not.

That is, set goals to reduce costs, to increase income, to prioritize specific purchases, and so on.

Therefore, one way to set goals is to create short, medium and long term goals. 

That's because, that way it becomes simpler to meet the goals, and it doesn't become so heavy and complicated.

So, don't make goals too long if your goals are faster goals, and vice versa, to not cause discouragement.

Another tip for your financial planning is to create an extra income, because the income that goes out needs to come back, right?

Well then, try to find ways to generate income in your financial life, and then you will be able to do consistent planning.

There are some options to earn extra income, see:

That is, opting for new jobs, in addition to those you are already used to, can help when it comes to making an extra income.

So let's now start paying your debts. That's because, after setting goals and planning, we can start paying off debts.

And, the first step to be taken is to start paying off the most expensive debts, in addition to the oldest ones, with higher interest rates.

This is because, in this way, the consequential costs of delays will gradually reduce, so opt for the most expensive and oldest accounts.

This portability option is for debt transfer, that is, changing from a more expensive debt to a cheaper debt.

And with portability, you can transfer the debt to different banks, and thus achieve a reduction in interest rates.

When it comes to financial planning, looking for portability forms is also an alternative to getting rid of debt.

To close, after getting rid of debts, you can start your financial reserve.

That's because, to make a reservation, you need to reduce debts, as well as make consistent and smart financial planning.

When making a reservation, the ideal is that this reserve corresponds to an amount of three to six net wages.

In a more illustrative way, the reservation must follow these steps:

It is worth mentioning the importance of the emergency reserve. It should be used to ensure safety, stability and comfort in situations such as:

That is, the emergency reserve is used for exceptional cases that may occur during your lifetime.

Therefore, we learn that for get rid of debts, first of all, it is necessary to know how to plan and execute the goals, to achieve results.

And, still, stay focused, manage expenses wisely and practice changing habits.

To help you build your emergency reserve safely, let's give you some tips. Check out:

So, following these tips, and all the others we give here, you will be able to settle your debts, and even make an emergency reserve.

It is important to deal with both unforeseen circumstances and day-to-day situations when paying simple bills.

This is because, sometimes, the level of debt is so great that when simple expenses are paid, the problems are already enormous.

So, the security and comfort of having a healthy financial life, justify the daily care with this sector.

Hence the importance of paying off debts, creating emergency reserves, investing, generating income, and especially having control over one's financial life.

There are numerous factors that are responsible for the lack of money, from the lack of organization with recipes, to uncontrolled purchases.

And so, from the financial imbalance, the inability to get organized to restructure finances becomes a snowball.

That is, the point is that from the moment the debts start to appear, they are settled, so that it does not become an increasingly complicated situation.

Among the various factors that cause the lack of money we have:

There are several other factors that cause a lack of money, but we have mentioned the most relevant ones, so you need to be careful when planning.

Unfortunately, the lack of money, most of the time, brings discomfort not only in financial health, but also mental, emotional, and in more serious cases physical.

That's because it's not healthy to live frequently worrying about paying off debts, and failing to have a quality of life.

So, always try to take care of your finances, keeping in mind that you will be taking care of your own life, as they are totally related things.

In Brazil, financial education is not part of the school curriculum at primary and secondary schools, with few exceptions.

And, as it is a country with such a large number of debtors, this is a cause for concern, since there are more than 65% of the population.

This is because financial education encompasses a set of knowledge, as well as concepts to help a person improve their relationship with money.

However, when problems arise, they will know how to find alternatives and ways to reduce risks and impacts.

Hence the importance of studying financial education, and if possible going deeper into subjects that are of interest to you.

So, take courses on financial planning; how to use the recipe wisely; how to make investments; ways to settle debts, among others.

If that's not enough, specialize in the field of financial education, but remember that the important thing is to absorb all the content and not just swallow it all at once.

Therefore, financial education is not just an area full of concepts, but an area that seeks to transform the mentality in which people are inserted.

So, money will no longer become a problem, to become the most effective way to solve problems.

understand better how portability works credit afterwards.