Aprende la forma correcta de ordenar tus deudas y a crear un plan de pago que se adapte a tus necesidades.
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00:00More than 4 million Chileans are in debt. Are you part of this list?
00:06What do you pay first? What do you prioritize?
00:10What can you postpone without putting the family budget at risk?
00:14Of all this and more, we talk today in Here We Are All.
00:20We know that have been very complex months for thousands of Chilean families.
00:25There we talk about more than 4 million Chileans who are in debt.
00:29There are people who do not sleep. They do not sleep because of anguish.
00:32And that is not an exaggeration. It is a reality.
00:35Today we take care of that. We are going to explain it step by step
00:39so as not to make mistakes, to avoid getting into debt,
00:42but also to get out of debt.
00:44Attention families, entrepreneurs, PYMES,
00:47because today we are going to get the juice out of Dr. Pocket.
00:51We are also with Mónica López who is going to give us advice
00:54on psychology, Mónica, because the truth is that there are many people who buy.
00:58For example, in events that they do not need.
01:01And we can also fall there in a mistake.
01:03We are on the street because we want to hear people's voices.
01:06With Matías Vera, also with Clarissa Muñoz,
01:08and of course with the experience of Marcelo Arizmendi,
01:11who represents one more Chilean who has also had a bad time.
01:14Of course.
01:15In very complex moments.
01:16But first I want to go over and review,
01:19and join us to review the note prepared by Matías Vera.
01:23The price of bread, credit cards, fuel prices,
01:27the cost of oil, basic services accounts, debts, sum and follow.
01:32Have you been affected by any of these factors?
01:35Of course I have debt, like everyone.
01:37I have some expenses to pay, yes, actually yes.
01:40I do not have, thank God.
01:42Yes, there is a lot of debt in this country.
01:44Yes, like everyone else.
01:46Yes, actually I do have debt, my mortgage credit.
01:49For sample, a button.
01:50According to official data of the latest report of love debt
01:53from the University of San Sebastián and Equifax,
01:55today, listen very well,
01:574,142,633 people are in debt in Chile.
02:02Yes, more than 4 million Chileans.
02:05Now they were not debting me so much, because of the problem there is.
02:09It does not reach?
02:10No, it does not reach.
02:12It does not reach, no one is reaching it, everything is so expensive.
02:15I always keep, for example,
02:17I pay rent, what I always do is set aside the month of rent,
02:21the water, the common expenses, everything goes there.
02:25One has to organize, organize,
02:28because if the machine does not catch you later,
02:31you will not have how to pay,
02:33because there are many people who ask for loans to be able to pay the bills.
02:37You have to take care of yourself, you have to get loans.
02:40Surely everyone has their way of facing debts
02:43and the rise of practically everything.
02:45The question that falls out of the drawer is,
02:47are we doing it right?
02:49Is our economy giving up?
02:52Another at least alarming fact,
02:54the average amount that mortgaged people
02:57rises to approximately 1,900,000 pesos.
03:01Surely you will remember the withdrawals of 10% of the AFP.
03:04According to a special edition on this topic,
03:06carried out by the Cadem survey,
03:0837% of Chileans used this money for food,
03:11remedies and basic supplies
03:14and 25% for the payment of debts.
03:17The rest in accounts and less priority purchases.
03:20If we have so many debts, then where to start?
03:23Who pays first?
03:25What should be the priority?
03:27The first thing is to secure the food.
03:29The first thing.
03:31The rent.
03:32That's the first thing.
03:33Yes, the truth.
03:34The roof first.
03:35I use my MISA card,
03:39I buy everything with it
03:41and the first thing I do is pay everything.
03:43In a quota.
03:45You have to start by paying the rent, the water.
03:48Basic services.
03:49Basic services.
03:50Basic services and then commercial houses.
03:52Yes, of course.
03:53Bank loans, mortgage loans too.
03:56Mortgage loans all the time.
03:57That's the first thing.
03:58Yes, that's the first thing.
03:59Yes, because I think that if I withdraw,
04:01it will generate any amount of interest and the bank will not forgive me.
04:03Debts are definitely one of the most overwhelming issues for Chileans
04:07and it is definitely not the time to ignore it.
04:09Children's Day is coming,
04:11then national holidays,
04:12Christmas,
04:13New Year,
04:14holidays,
04:15March,
04:16and so we do not stop again.
04:18Today, here we are all talking about debts,
04:20how to face them,
04:21how to get rid of them,
04:22which one to give more relevance to.
04:24A topic that we all know,
04:25the one that I hope we can all get out of.
04:31The important thing is that you can get out,
04:32you do not have to lose hope
04:34and definitely that requires order.
04:36It also requires knowledge.
04:38This domestic economy that we have been told so much
04:40and that unfortunately at some point we get disorganized
04:42and probably debts exceed 25% of our income
04:47and that is the problem.
04:49But what happens when we are already in debt?
04:51First, let's get organized.
04:53Let's get organized with the basic expenses,
04:55with what is priority.
04:56There we heard several who said,
04:57first I pay the rent,
04:58I insure the roof,
04:59also the basic expenses,
05:00I pay everything at once,
05:02but the truth is that not everyone has the same habits.
05:04Dr. Bolsillo, is it possible to get out of debt?
05:06Absolutely.
05:07Look, first Priscila wanted to comment on the following.
05:10When it was mentioned that there were 4,100,000 debtors,
05:13they are not just debtors,
05:14they are debtors in debt.
05:16That is, there are 4,100,000 people
05:19who are behind in their financial commitments.
05:21And another important fact,
05:23because we have talked about the economic crisis,
05:25the pandemic,
05:26and today we are in this situation,
05:28but before October 2019
05:30there were even more debtors.
05:32Before the problems we are seeing today began,
05:34we already had an endemic over-debt problem.
05:37So, it is very important to comment on two things.
05:41To know how debts are handled,
05:43but the first and most important thing
05:45is that we make a budget.
05:47How many items does the budget have?
05:50I always suggest the following, Priscila.
05:53When we talk about the IPC,
05:55the IPC has 12 large groups.
05:59Because if you don't get involved,
06:01you start with these Excel spreadsheets
06:03with 20 items and you get lost.
06:05And there are 12 large groups that are
06:07housing, clothing, food, transportation,
06:10and that is the fundamental thing.
06:12The first thing to do,
06:13be careful,
06:14is that 30% of Chileans make a budget.
06:17The rest don't.
06:18So, that explains why we have problems.
06:20The first thing is to check for three months
06:22to have your income clear.
06:25We are going to send him to a calligraphy class, doctor.
06:27I hope to get better.
06:29Hey, practice to come here.
06:32Practice.
06:33Hey, it's economics, not calligraphy.
06:35Stop it.
06:37You are right, doctor.
06:38Of course.
06:39Look, when your income is fixed,
06:42it is not a problem because you have a salary.
06:44Income, fixed and variable.
06:46But if you have variable income,
06:47there are people who make the mistake
06:49of assuming what they are going to earn
06:51the next month and spend more than the account.
06:53So, it is important.
06:54Yes, but that, for example,
06:55is for the merchants,
06:56for the people who earn a thousand days.
06:58Or when you have bills.
06:59Or when you make bills.
07:00So, you calculate and estimate
07:01what your income is for three months.
07:03Yes.
07:04And in what are the expenses,
07:05here it is very important
07:06to separate it into two large groups.
07:08That.
07:09The fixed,
07:11there I look better, right?
07:12Yes, yes.
07:13And the variables.
07:14There are expenses that are quite fixed,
07:16in which you can't do great things.
07:18For example, you tell me.
07:20Fixed expenses, for example, the...
07:23No, the basic accounts.
07:24No, the basic accounts.
07:25Look, those are variables.
07:26Fixed expenses.
07:27Those are variables.
07:28Yes, variable.
07:29Fixed expenses.
07:30That went wrong.
07:31Of course.
07:32The dividend.
07:33I want to ask people
07:34who are not watching this now.
07:35Pay close attention,
07:36because if not,
07:37they will forget
07:38what Dr. Bolsillo wrote here.
07:39Yes.
07:40Take notes.
07:41I'm writing everything down.
07:42This is very important.
07:43The dividend.
07:44For example, another fixed expense
07:45are the schools.
07:46Of course,
07:47because we are always going to pay the same.
07:48Of course.
07:49More or less, you pay the same.
07:50Now, of course,
07:51the dividend is going up a lot
07:52with the UF in this time,
07:54and in the variables,
07:55and this is super important,
07:56there are two big types of expenses.
07:58Those that are necessary
08:02and those that are secondary.
08:04I thought it was the unnecessary.
08:07Those are the most.
08:08Look...
08:09Those are the most.
08:10Those are the ones we spend the most.
08:11I would place unnecessary,
08:13but really,
08:14there are certain necessities.
08:15We should put unnecessary
08:16so people can see it better, but...
08:18Yes.
08:19Look at the following.
08:20In the necessary, what are they?
08:21The fixed expenses.
08:22The expenses of the house.
08:23Yes.
08:24But they are variable.
08:25You can spend more or less
08:26on electricity, on water, on gas.
08:27The gas, which is also more expensive,
08:28for example, in this time.
08:29Exactly.
08:30And, for example,
08:31the food.
08:32But why are they variable?
08:33Because there are many families
08:34who spend more than
08:35what they could budget.
08:36Yes.
08:37So we lose a lot of money there.
08:38Yes.
08:39And the secondary expenses
08:40are those expenses that can be important.
08:41Let's see,
08:42what do you call secondary?
08:43The famous various expenses,
08:44the expenses of the house,
08:45the expenses of the weekend,
08:46the expenses of the clothes.
08:47Yes, I was going to say that.
08:48Applications.
08:49Applications.
08:50And a lot of expenses
08:51in which we lose money.
08:52And if you don't have a budget
08:53and you control it,
08:54you lose all the money there.
08:55Wait a minute.
08:56How much can you lose,
08:57for example,
08:58if we talk about an average,
08:59in the ant expenses,
09:00which are when I pay
09:01the different applications.
09:02Now we are all buying
09:03through the cell phone.
09:04Or we also see television
09:05or the programs,
09:06the series, I don't know,
09:07movies through applications.
09:08Of course, look,
09:09applications in general
09:10have,
09:11the thing they have
09:12is that they charge you
09:13a monthly fee.
09:14So it's a very good way
09:15for you to spend money
09:16because you get used to
09:17spending money
09:18and you get used to
09:19spending money
09:20because you get used
09:21to paying 5 lucas here,
09:226 lucas there.
09:23And in the end,
09:24look, the great recommendation,
09:25because many people
09:26don't see
09:27large amounts of money.
09:28You say, look,
09:29I spend 8 or 10 lucas a month,
09:30but when you take it
09:31to the year,
09:32it's 120 lucas.
09:33I was talking the other day
09:34with a person here on the channel
09:35who drank a coffee every day
09:36and bought a muffin.
09:37He could pay it,
09:385 lucas a day.
09:39But in the month
09:40it's 10 lucas.
09:41And in the year
09:42it's 1.2 million.
09:43In muffins?
09:44In muffins and coffee.
09:45Other lucas
09:46are in cigarettes.
09:47That's why
09:49or in cigarettes, of course.
09:50But be careful,
09:51each one spends money,
09:52spends money
09:53in what he wants.
09:54But what is important
09:55to understand
09:56is that if that person
09:57is spending 1.2 million
09:58a year on something
09:59that is not necessary
10:00and that is secondary,
10:01in three years
10:02he has a good foot
10:03for an apartment.
10:04So those are the
10:05magnitudes of the money
10:06that is spent
10:07a year.
10:08As a good student,
10:09I'm going to make a summary
10:10of what we've been doing
10:11so far,
10:12especially for those
10:13who are joining
10:14our tune.
10:15We are teaching
10:16not to get into debt,
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