Many times inside of the forest are not obtained to see all the trees that surround a person. This phrase can be applied the situation of a person who if became indebted. The debt is the entire forest and each one of the commitments is each one of the trees. Frequently adverum has said that publicly. In these situations and imagining that you if lost in the forest, optimum it is to stop to spend its energy being tried to find the way. To leave itself the forest when if he is lost she is necessary a strategy.

The strategy is very simple. It looks at the entire forest of the point higher than it will be able and it starts to understand which the trees that they surround to it. The way, thus, will be discovered. It looks at its debts in panoramic way to perceive each tree and the ways between them. First, it is necessary to understand which the expenditures that are important for the personal sustenance and of the family. The commitments are these that must be focados and be honored. They are for the order the expenditures with feeding inside of house, housing, health, education and transport.

It organizes a budget that you allow to cover these basic expenditures. He does not consider eventual extraordinary profits as 13 wage, sales of vacation, programs of profit sharing and restitution of the income tax in this budget. He relates each expense. When making this uses to advantage to cut to all the unnecessary expenditures as periodical signatures, magazines, signature of TV the handle, cellular telephone, exits of week end, academy etc. These cuts donate, but they are absolutely necessary. They are true thin for where its money runs. Exemplificando a TV signature the handle that costs R$ 100,00 to the month will only represent to the end of one year R$ 1,200 the same adds value of an academy monthly fee and at the end of the year you will have saved R$ 2.400.

However a consideradonegativo aspect must be standed out, that is the fact> Price Table, becomes necessary to detach two comments: the first one how much to the constant value of the installments, that due to inflationary existence doprocesso, needs to pass for a monetary update on ovalor of the same one, what it makes with that does not exist in literal way a valorconstante; the other point to be detached is that the esucessivos periodic payments generally are contracted to be monthly, what facilitates oacompanhamento and, also, the agreement how much to the composition of the referidasprestaes. In accordance with Scavone (1998), Tabela Price is a system> SFH that is composed for the Nacionalde Bank Habitation SCI, and also created the correction monetrianos real estate contracts. This exactly statute, in the article 6 letter C determines that the least has left of the financing, oudo price to be paid, either amortized in successive monthly installments, of igualvalor, before the readjustment, that include amortizations and interests. In other words, what this law determines is aobrigatoriedade of the use of the French System of Amortization – Price Table, for being the only system of amortization of payments that contemplates successive monthly asprestaes and of equal value. 2,2 Decree n.

2164 of 19 deSetembro of 1984 This Decree instituted the comocritrio wage equivalence of readjustment of the installments. In its article it 9estava definitive that the contracts for acquisition of proper housing, atravsdo SFH, would establish that from the year of 1985, the foreseen readjustments of prestaesneles would correspond the percentile one the same and regularity of aumentode wage of> professional category the one that to belong the buyer. In the paragraph 4 was determinadoque the buyers of proper housing who not to belong to the specific categoriaprofissional, as well as classified as independent, professional liberal and the commission agents, with contracts firmed from 1 of January of 1985, would have its readjusted installments namesma ratio of the variation of the wage-minimum.