Learning to properly manage debts is one of the serious problems facing our society, it allows us to live temporarily in an ideal world, full of expectations, but in reality that ideal world is just a mirage and when it disappears it is likely to become a universe of despair and pain.
The consumer society shows us the indebtedness as a simple, comfortable and fast solution to materialize our desires, there are loans for education, for housing, a car, a vacation, or any other object or objective that we want to achieve. They tell us: If you don’t have money, don’t worry, ask for a loan and start enjoying right now, however the reality is that debt is a heavy burden on our economy and many people have acquired more than their economy can bear.
It is more and more common to take out a credit card to pay for a croissant and a coffee instead of looking in the pockets for bills or coins, it is quite common to relate debt and prosperity, however, debts must be paid and to do so it is normally necessary give more money than we receive.
Before contracting a debt, it is essential to add numbers, know how much it is going to cost us to settle it and have a realistic plan to return the money, the company (banks or other financial entities) or person (a family member or friend) who is going to lend us the money does so because it believes that we have sufficient financial capacity to pay it back.
If we do not fulfill the commitment acquired with that entity or person, we can say that our economic solvency has disappeared and a person without economic solvency who lives in our society treads a terrain very close to social exclusion.
In my work I communicate with very diverse people, some have already placed their trust in me and allow me to help them improve their economy, others want to find out if they can improve their finances, I also meet people who are concerned because they have progressively increased their debts and need stop the economic deterioration they suffer, most of them are in this situation because they did not know how to control their debts.
Contracting a debt is easy and can even be “liberating” because it is the fastest way to see your dreams come true, if you want any of your dreams to turn into a nightmare, don’t forget, control your debts.
I always say having information helps us assess properly, having the experience of an independent professional who collaborates with you and can provide you with alternatives when making decisions, answering questions or clarifying any issue is a very good idea.
We at SEL-DEK enjoy helping other people so that they can live more peacefully, they can give their children the best education, in short, so that with our support they can live a little better every day.
At SEL-DEK we are independent professionals and we work every day with one objective: to improve the economic situation of people who ask us for help.
