{"id":35195,"date":"2016-03-15T17:33:13","date_gmt":"2016-03-15T16:33:13","guid":{"rendered":"https:\/\/adventum.org\/paul\/"},"modified":"2016-03-15T17:33:13","modified_gmt":"2016-03-15T16:33:13","slug":"paul","status":"publish","type":"post","link":"https:\/\/adventum.org\/es\/paul\/","title":{"rendered":"Paul"},"content":{"rendered":"<p style=\"text-align: justify;\">Paolo nos habla por tel\u00e9fono de sus deudas.  <strong>Tiene no menos de diez gastos mensuales entre asignaci\u00f3n salarial y delegaci\u00f3n, hipoteca, varios pr\u00e9stamos con bancos y entidades financieras y tarjetas revolving.<\/strong>  Adem\u00e1s de estos compromisos, debe dinero a un primo y tiene que pagar al dentista y al mec\u00e1nico del segundo coche de la familia. Paga&#8230; pero est\u00e1 empezando a fallar. Le invitamos a una entrevista y nos damos cuenta de que  <strong>el camino a seguir juntos es ayudarle a tomar conciencia de los momentos en los que ha tomado decisiones poco meditadas.<\/strong> <span style=\"text-decoration: underline;\"><strong>No hubo acontecimientos concretos que desencadenaran tantas deudas, sino poca conciencia del valor del dinero, \u00a1y tambi\u00e9n del propio trabajo!<\/strong><\/span>  Es funcionario, ingresos f\u00e1cilmente financiables, pero Paolo no sabe explicar por qu\u00e9 siempre ha cogido tarjetas revolving y las ha renovado, empieza a rajarse cuando le preguntamos por qu\u00e9 cog\u00eda tarjetas revolving.  <em>Bueno&#8230; un mes no pude pagar la cuota de la hipoteca y en el banco me ofrecieron un cr\u00e9dito renovable, \u00a1me ayud\u00f3 mucho!<\/em> Me <em>fue bien y a finales de a\u00f1o ped\u00ed otro<\/em>&#8230;\u00bb. Pablo no puede decir por qu\u00e9 lo pidi\u00f3 ni c\u00f3mo lo utiliz\u00f3.<\/p>\n<p style=\"text-align: justify;\"><strong>Les damos una hoja con una tabla: ingresos y gastos. Le pedimos que anote los ingresos familiares y todos, pero realmente todos, los gastos, incluidas las cuotas<\/strong>Hay una diferencia de algo m\u00e1s de 250 euros, raz\u00f3n por la que solicit\u00f3 las dos tarjetas renovables, para cubrir un d\u00e9ficit constante. Los pr\u00e9stamos renovables, a su vez, conllevan otros intereses&#8230;<\/p>\n<p style=\"text-align: justify;\">El segundo paso que damos con \u00e9l es hacer hincapi\u00e9 en los intereses que est\u00e1 pagando por todos esos pr\u00e9stamos y tarjetas, dinero procedente de su trabajo y del de su mujer.  <strong>Verle pensar en serio y hablar menos es una primera se\u00f1al de que Paul empieza a cuestionarse un estilo de vida que le cuesta mucho dinero y que pronto no podr\u00e1 mantener.<\/strong><\/p>\n<p style=\"text-align: justify;\"><strong>Hacen falta m\u00e1s reuniones para que Paul se decida a cortar las tarjetas revolving y haga c\u00e1lculos serios sobre los pr\u00f3ximos a\u00f1os para deshacerse de los primeros pr\u00e9stamos y luego de las cesiones.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Paolo nos habla por tel\u00e9fono de sus deudas. Tiene no menos de diez gastos mensuales entre asignaci\u00f3n salarial y delegaci\u00f3n, hipoteca, varios pr\u00e9stamos con bancos y entidades financieras y tarjetas [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":34208,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[200],"tags":[230,224,222,234,232,233,216,228,237,235,236,231,219,220,226],"class_list":["post-35195","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticias","tag-asignacion-de-un-quinto","tag-cuotas-hipotecarias","tag-endeudamiento","tag-financiero","tag-gastos-familiares","tag-gestion-del-dinero-familiar","tag-ingresos-es","tag-prestamo-bancario","tag-prestamos","tag-prestamos-bancarios-es","tag-proxy-salarial","tag-salario","tag-sale-de","tag-sobreendeudamiento","tag-tarjetas-giratorias"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Paul - Fondazione Adventum - Solidariet\u00e0 Antisura<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/adventum.org\/es\/paul\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Paul - Fondazione Adventum - Solidariet\u00e0 Antisura\" \/>\n<meta property=\"og:description\" content=\"Paolo nos habla por tel\u00e9fono de sus deudas. 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