In recent days newspapers and TG have taken the news of constantly growing debt of Italian households. This would be very happy, but if the debts were "good" or if the average Italian had been indebted to generate additional income, for example to buy a property, renovate it and resell it. A debt so-called "good", in fact, produce cash flow and increases the availability of funds in the family budget. Debts of "good" should have many! But the Italians are not the debts of this kind. In fact, in our country, as in England and America before us, we are drowning in debt "bad" that is, those debts not to make money, but to buy luxury goods: mobile phones, televisions, refrigerators, cars and even holidays! People are borrowing from the future! In Great Britain have already fled to safe havens of the subjects entering the study of financial education staff to teach such people how to manage their finances and avoid debt inutilmente.In Italy this is still a utopia. At the moment the only ones to take specific courses on the subject we are. But how do you distinguish a good from a bad debt? It 's simple, just keep in mind the three main rules to learn to use leverage, or as they call it the Americans "Others people money"
The debt must produce money instead of burning it.
Its duration must be greater than or equal to the time of payback.
Never borrow to buy assets that produce income (including the purchase of a first home). Today not only the middle class shrinks, but also sees lower its standard of living. In fact, only those with proper financial education is getting very good results even in times like these so-called "crisis." In my courses are increasingly people who want to exit the "hamster wheel" and to acquire information, and a method that will enable them to improve their real and concrete life, and that of their famiglia.Spesso the people want simple but important: to give parents peace of mind for retirement, be able to think calmly about the future of their children, or even know to take control of their lives and choices . All this is possible only by having acquired the information necessary to achieve it. Today, those without the right knowledge ends up paying a very high price for their disinformazione.Forse should think about the political campaign. Or for them, is much more convenient and useful to have ignorant people?
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