Almost half of the population of Alto Tietê is in default, points out Serasa

In addition to the number of people with outstanding bills, the survey also shows the size of debt in the region. Together, the debts of Alto Tietê residents total more than R$5 billion. See the ranking of amounts owed by city: Salesópolis - Debt: R$ 35,294,197.00 Mogi das Cruzes - Debt: R$ 1,499,540,644.00 Itaquaquecetuba - Debt: R$ 1,151,402,990.00 Suzano - Debt: R$ 1,050,944,541.00 Ferraz de Vasconcelos - Debt: R$ 589,374,242.00 Poá - Debt: R$ 415,167,456.00 Arujá - Debt: R$ 337,416,203.00 Santa Isabel - Debt: R$ 152,714,235.00 Guararema - Debt: R$ 104,890,049.00 Biritiba-Mirim - Debt: R$ 68,851,768.00 Of this total debt, there are people with high and lower debts. According to the Serasa survey: the average amount of debt per person is R$7,160; the average value of each debt is R$1,419.29 (some people have more than one debt). Despite the scenario, financial planning and organization can help get out of the red. Planning Planning is necessary to avoid debt Reproduction/TV Globo Psychologist Cláudia Freitas knows firsthand the challenges of keeping accounts up to date. In addition to personal expenses, she also manages the practice's finances. In the past, she got into debt, but says she managed to reorganize her financial life with planning. According to her, having control over the budget brought more peace of mind to her daily life. "We avoid a lot of anxiety and stress, because it's as if you're walking in the dark: 'Ah, okay, I'm going to spend it', 'No, but I think I can afford it'. So, 'finding it', right, doesn't bring us security, we have to be sure of what's happening", he says. READ MORE Guararema City Hall opens competition with 10 vacancies and salaries of up to R$ 16,800 Alto Tietê has more than 4,300 job openings this Wednesday; see list According to her, all personal and office expenses are first written down on paper and then recorded in a spreadsheet. With this control, Cláudia is able to monitor expenses, set goals and define how the money will be used. She states that she also sought professional help to improve her financial management. "I felt the need to hire an accountant and a financial educator to support me. When we started to visualize, you know, the panorama we are in: where is your money going?" explained. Claudia Freitas and Rafael Henrique da Silva Reproduction / TV Diário Accountant Rafael Henrique da Silva explains that those who are in debt should prioritize paying debts with higher interest rates, as they tend to grow faster. "You have to analyze which accounts are in arrears, check which one has the most interest and prioritize this negotiation. For example, the credit card has very high revolving interest. The ideal is to renegotiate with the bank or with the company and understand which debt will generate less cost. Our Selic is at 14% and this directly influences the increase in the person's debt." According to the accountant, anyone who has a company must also completely separate personal and business finances to avoid problems in financial control and business management. For those who want to get out of the red, Rafael recommends starting by controlling income and expenses. "Take her income, how much she receives that month, and write down the expenses. There will be fixed expenses, such as water, electricity and internet, and also extra expenses. It is important to record everything to identify how much was spent in the month. Look at the credit card bill, the bills that arrive at home and make a report." And no matter what, the important thing is to plan. "It can be in a notebook or on your cell phone. It's also worth putting reminders so you don't forget due dates. Sometimes people are late on a simple bill and end up paying interest. For those who are already in debt, any amount makes a difference." Desenrola 2.0 Desenrola Brasil Diogo Zacarias/Ministry of Finance Desenrola 2.0 is aimed at Brazilians indebted to the banking system who have a monthly income of up to five minimum wages, the equivalent of R$8,105. New loans will be made by banks for debts contracted until January 31, 2026 and which are overdue between 90 days and 2 years, with credit cards, special checks and personal credit (CDC). The renegotiated debt will have: Discounts between 30% and 90%; Maximum interest rate of 1.99% per month; Up to 48 months term; Deadline of up to 35 days to pay the first installment; New debt limit (after discounts) up to R$15 thousand per person, per financial institution; The worker will also be allowed to use 20% of the balance in the Severance Indemnity Fund (FGTS) account, or up to R$1,000, whichever is greater, to partially or fully pay debts.