How to cancel your debts?

How to cancel debts

There are few situations more stressful than having debts, worrying about making ends meet and having creditors behind. You may not be sure how to pay off your debts, but do not worry, you are not the only person. Luckily, there are experts who can teach you how to pay your debts.

There are times when getting into debt is inevitable because there is no other option: When buying a house, a car or when unexpected expenses arrive. If you do not have enough cash to make a big bump purchase but you know that in the future you will have it, asking for a cash advance can be a good option- O-R Seagig.

However, there are times when you end up owing more money than you can afford to pay back. That’s when the troubles come. But it’s important that you do not panic. Here are some practical tips to get rid of your debts:

 Reevaluate your finances

<strong>Reevaluate your finances</strong>

What does it mean to reevaluate your finances? Neither more nor less than to review all your accounts of the previous year and identify your successes and financial disasters. What can you learn? What did you do well? What can you improve? Plan a budget for the year by applying the lessons you have learned from the previous one, and use it as a guide.


Plan well and make smart purchases

Make a list of what you need before going to the supermarket or a store. Knowing with certainty what you have to buy leaves less free space for improvisation and impulsive last-minute purchases, which are what take much of the budget. Try to buy by volume or wholesale, join with family or friends and save money.

If at Christmas you know that you usually get out of the budget, go ahead. Plan and buy the gifts throughout the year and avoid the last minute rush. It requires more patience, yes, but it ends up being profitable.


Find another job and sell what you do not need

It is quite usual to look for a second part-time job or only a few hours. I should not take away too much time, and that extra money, however little, will come in handy to cancel the debts.

Another good idea to have more income is to sell items that you have at home and do not need more. Sell them through apps and get cash to deal with debts. In this other post, you can consult more ideas to earn extra money.


Ask an expert for help

<strong>Ask an expert for help</strong>

If you suddenly discover that numbers are not your thing and that setting a budget and following it to the letter is not in your DNA, then you may need the help of an expert. You have the option of going to an accountant, but you can also ask for advice from that good friend by giving accounts. He could have some financial education and, who knows, maybe you end up helping others.

The Government recognizes the PSOE that has dissolved twice the Cordovan Social Work Orchards Family

The Government recognizes the PSOE that has dissolved twice the Cordovan Social Work Orchards Family

The Government of the Nation has recognized, in answer to the questions posed by the national deputy of the PSOE for Córdoba, Antonio Hurtado, who has dissolved on two occasions the Obra Social Cordobesa Orchards Family, although, it has not proceeded to the liquidation of your assets.

This has been indicated this month by the Executive President of the popular Mariano Rajoy, in a written response, to which Europa Press has agreed, to separate sets of questions that, on this subject, Hurtado had raised in December 2016 and in January this year. year.

Thus, on December 21 and in writing, the Socialist deputy asked the central government if “Is the Youth Pavilion in the Southern District of Cordoba assigned to the City Council by the Board of Family Gardens? When is the transfer planned? “, if” is it totally free? With what conditions? What procedures are missing? Why could not the swap that was previously planned have been concluded? “and” What was this swap? “.

Subsequently, on January 19 and without the Government having responded to the first set of questions, Hurtado asked “what is the difference between the agreement that was adopted by the Patronato Huertos Familiares on October 11 of last year, where it was approved? the dissolution of the Obra Social Cordobesa Huertos Familiares, and the agreement of January 13 (2017), which has been an agreement for the dissolution of the Obra Social Cordobesa Huertos Familiares? “.

This also led the Socialist deputy to ask if “is the Board dissolved at this time? Who is the owner of the assets and liabilities? What are the assets and to whom? What are the liabilities and to whom do they pass? ? ” and, “in case it is not dissolved, what steps are left for the dissolution?”.

Given this, the Government replied that “in the Board of the Board of Trustees held on January 13, 2017 it was agreed, unanimously by its members, the dissolution of the Obra Social Cordobesa Orchards Family and the subsequent liquidation, in accordance with Article 43 of its Statutes “, adding that,” although it is true that there is a dissolution agreement “above,” it did not materialize “.

Consequently, as the Executive has stated, “the sub-delegate of the Government in Córdoba, acting as president of the association, with the advice of the State Bar and the State Treasury Delegation, proceeded to propose again the dissolution of the the association, with the difference that this new agreement entailed the liquidation, that is to say the cession, in some cases and delivery in others, of the property owned by the Family Gardens. “

Along with this, the Government has detailed that “there are two types of real estate registered in the name of the entity”, on the one hand “social housing”, and on the other the “parcels of land and buildings”, located in the municipalities of Córdoba and Guadalcázar.

In relation to the first, “it should be noted that originally these homes were delivered under the form of deferred payment, ie, the beneficiaries of these properties received housing with the obligation to pay the price of the same in monthly installments that ended to be paid in 2015. After that, and once proof that all payments are made, the owner must submit the acquisition to a public deed. “



As for the real estate, farms and sports facilities, such as the old Youth Pavilion, according to the Government’s response, “the Sub-delegation of the Government in Cordoba has initiated, in order to comply with the aforementioned agreement, a file in agreement with the Cordoba City Council, where the majority of the farms reside, to proceed to the free transfer of the same “.

The list of assets includes “land in the PAU (I) -4, SGEL and SGV SUNP-1, Park Trade Union farm, Youth Sports Pavilion, six plots in Alcolea de Córdoba, promotion of 13 homes in the South Sector, Neighborhood of ‘La Guita’, and promotion of 293 dwellings in Calle Torremolinos “, in addition to” 19 homes in Guadalcázar “.

The work that is being done at present, by the Subdelegation of the Government in Cordoba, as the Executive has indicated, “is the information to the owners so that they proceed to accredit the ownership of the houses in which they reside and the compliance with the payment of the installments, in order to be able to deed the properties on their behalf “.

“With regard to the liabilities of the association – concludes the answer -, it should be noted that only have debts for taxes related to land and municipal services,” which, “in accordance with the statutes, the assignee councils will assume the credits and debts that entail the immovable property object of the cession Therefore, once these have been transferred, the association will be able to be definitively liquidated, to the not being foreseen that debts exist “.