How to get rid of debts?

Debts - like nothing else are able to bring into the state of depression of almost every person. But having learned to say goodbye to them is as easy as borrowing money, you can make your life much easier.

Elementary, but at the same time, a complex way of gradually getting rid of debts is the rational allocation of your budget (or family budget) and, in parallel, the distribution of already existing debts. Try to "get into debt" only if you are in urgent need: do not borrow, if you have a decent bag of people behind you waiting for you to return their money. It is much easier to live and pay off debtors, when you do not save your debts. Make a list of the necessary resources that you need to spend on REALLY NECESSARY things.

How to get rid of bank and credit debts?

In general, the most common reasons for the emergence of debts - this is the reluctance to save money for a long time and, accordingly, the emergence of loans. And creditors, by the way, are well aware that a person always seeks to get more than he deserves. And in general, people always want to get what they still do not deserve. And since we prefer that they give us, and not ourselves earn money - we are in debt in the debt. In addition, it is much more difficult to give your own than to receive someone else's.

Suddenly, you still decide to take a loan, remember that you only need to take that amount that you can pay within a year. After the borrowed money was in your hands, you immediately try to give them as soon as possible. The most important stage in this business is to learn how to save money!

How quickly to get rid of debts?

1. Eliminate too expensive foods from your diet.
2. If possible, spend less on transport.
3. For a walk with you take as little pocket money as possible, and then spend accordingly less.
4. Old and unnecessary things just sell. Regardless of the price.
5. If there is such an opportunity, temporarily stop attending the entertainment program. For example, theaters, movies, bowling and even manicure courses. Save almost everything, within reason, naturally.
6. Do not buy new clothes, do the old.
7. You can sell: gold, household and electronic equipment, furniture.

How to get rid of debts - tips "experienced"

If you listen to the advice of people who have already coped with their financial problems, you can make certain rules that really work:

1. Find an additional source of income.
2. Even if you do not have the full amount, pay the part. It is important for the creditor that the money be returned to him.
3. After you have settled and paid the entire amount, stop taking a new one. Better think about extra income in your spare time .
4. Consolate yourself with the thought that after you pay the entire amount to creditors, you can earn more.
5. Accept to the knowledge that duty is an indicator that you do not know how to live within your means.
6. If you want to make a big purchase, for example, a vacuum cleaner or a phone, if there is no urgent need for it, be patient for 1-2 weeks. If this thing is really necessary for you, the interest to it will not fade, if it can wait, then it is better to first send this amount to the payment of cash, which you have borrowed from other people. Think, perhaps, that person more needs to return his money than you are in the new phone!
7. Adjust yourself to a positive mood. Only with a fresh head and a healthy mood will you become more able-bodied workers. And in a depressed mood, you just lose your opportunities.
8. If at night you can not sleep and sleep peacefully, then imagine yourself having already paid off your debts and a happy, normal person.

And in general, debts are not the end of the world. In fact, your life has not changed, act!