The term financial education may seem overly formal or academic, limited to the world of investors or financial. However, it is a subject that must be brought to the families. Learn to control the family budget, deciding whether there should be an expense, meet the various financing options, and plan this into the future, are among others, and matters of extreme importance to the need for knowledge. Financial education seems to be fashionable. Government initiatives programs, the term used to design action policies, projects, strategic plans in our organization. The project began as a program of prevention of complicated financial situations, through personalized advice, conducting training sessions and developing a training manual and brochures distributed.
The purpose of the project was based on data of concern: the indebtedness of households is shot year after year until they reached historic levels by the year 2007 to date. However, during 2008, rising interest rates, unemployment and economic crisis triggered dramatic situations of debt overhang in families. The alarms are fired with the default: The balance of appropriations for doubtful debts in the last year grew by 256%; Late payment of claims (claims not paid or do not in date) is 3.29 % in 2008, almost four times the previous year; Delinquent payments on purchases futures soar 84%, finally, the number of families who declare bankruptcy and have an arrangement with creditors is four times higher than the previous year. An increasing number of families in an extreme situation, or are at risk of falling into it. Perhaps some of the terrible tragedies we are living hundreds of families could have been prevented from having had some basic knowledge, as well as information and advice on everything related to your family finances.
With the idea, always, that the aid reaches the most people and families, setting up this website. New technologies allow access to our experience and knowledge to people, whatever their personal situation or geographic location. Internet is thus a tool of work.
The purpose is multiple: to provide basic knowledge on financial matters to avoid incurring a spiral of indebtedness that might compromise the family economy and the future, provide a series of tips for managing our finances, to help resolve situations of existing debt, and most important: support at all times to our collective action, the families. Create a family web economy is complicated. There are many issues to be addressed and the need to treat with simplicity is key. We hope in the future, but we are very aware that the launch of this website is only the beginning. From here, we are the daily work and improvement, taking into consideration the suggestions, opinions and needs of those who visit us, our reason for being.