Financial Education · Fernando de la Mora, PY

Understand Every Peso
You Owe — and Why

A three-session credit literacy program for workers managing multiple installments. You bring your own contracts — credit cards, personal loans, appliance payments — and learn to decode exactly what you signed.

Reserve Your Spot See the Program
No debt renegotiation
No product sales
Pure financial education
Program Overview 3 Sessions
  • 01

    Reading the Fine Print

    Decode your contracts: nominal vs. effective rate, hidden fees, and how to find the real cost of credit.

  • 02

    Calculating Total Financial Cost

    Learn to calculate exactly how much you pay in interest across all your active installments.

  • 03

    Building a Payment Priority Plan

    Organize your debts strategically — which to pay first, and whether early cancellation makes sense.

Bring your actual contracts to each session Join
The Problem We Address

Two or Three Installments Running at Once — and No Clear Picture

Many workers in Paraguay are paying multiple credit obligations simultaneously without knowing the total real cost. This program gives you the tools to see the full picture.

You Signed It — Now Understand It

Financial contracts are written in technical language designed for institutions, not for the people who sign them. In this program, you bring your actual contracts — credit card agreements, personal loan documents, appliance installment papers — and we work through them together, line by line.

Fine print analysis Contract terms Nominal vs. effective rate
Participant reviewing a credit contract during the training session

Your Documents. Your Numbers.

Every exercise uses your real contracts. Not hypothetical examples — your actual obligations, so what you learn applies directly to your situation.

Real Interest Calculation

Discover the difference between the rate advertised and what you actually pay — including fees, insurance, and compounding effects.

Priority Payment Plan

Leave with a clear, personalized order for addressing your obligations — based on real cost, not just balance size.

Early Cancellation Analysis

Understand when paying off a debt early actually saves money — and when it doesn't, depending on your contract terms.

The Three Sessions

A Structured Path to Financial Clarity

Each session builds on the previous one, moving from understanding your contracts to calculating your real costs to planning your way forward.

01

Reading the Fine Print

We go through the anatomy of a credit contract. You'll identify where the real interest rate hides, what all those abbreviations mean, and which clauses affect how much you ultimately pay.

TNA / TEA explained Fee identification Penalty clauses Insurance costs
02

Total Financial Cost

Using your own contracts, you calculate the total amount you will have paid by the end of each obligation — and compare it to the original amount borrowed. The results are often surprising.

Amortization tables Interest accumulation CFT calculation Remaining balance
03

Payment Priority Plan

You organize all your active obligations by their real cost and build a prioritized payment strategy. We also analyze whether early cancellation of any obligation is financially worthwhile.

Debt prioritization Early payoff math Monthly cash flow Action plan

Important: Quvante is a financial education program. We do not renegotiate debts, contact creditors, or sell refinancing products. Our sole purpose is to help you understand the obligations you have already signed.

Small group of workers in a financial training session reviewing documents together
Who This Is For

For Workers Juggling Multiple Payments

If you currently have two or three installment payments running at the same time — and you're not entirely sure how much you're paying in interest, how much remains, or whether it makes sense to cancel early — this program was designed for you.

  • Credit card holders

    Understand your statement, minimum payment traps, and the real cost of revolving credit.

  • Personal loan borrowers

    Decode your amortization schedule and understand what portion of each payment goes to interest vs. principal.

  • Appliance installment buyers

    Find out the effective annual rate embedded in store financing and compare it to alternatives.

Reserve Your Place in the Next Group

Sessions are conducted in small groups so each participant gets time to work through their own contracts. Complete the contact form to register your interest and we'll be in touch with available dates.

Register Now

Try the Interest Rate Calculator

Not sure what you're actually paying? Use our free online calculator to get a preliminary look at the difference between nominal and effective annual interest rates on any loan.

Open Calculator
Program Outcomes

What You Take Away from Three Sessions

After completing the program, each participant leaves with practical knowledge they can apply immediately to their own financial situation.

Full Visibility into Your Costs

You'll know exactly how much you're paying in interest across all your active obligations — not an estimate, but the actual figure derived from your contracts.

Understanding of Rate Mechanics

The difference between nominal annual rate and effective annual rate becomes clear — and you'll know how to identify which one applies to any contract you encounter in the future.

A Written Payment Plan

A prioritized, written plan for managing your current obligations based on real cost analysis.

Early Payoff Decision Framework

The ability to evaluate whether early cancellation of any specific debt is financially advantageous given your contract terms.

Lasting Financial Literacy

Skills to read and evaluate any future credit contract before signing — so you can make informed decisions going forward.