Borrowing, albeit small, the amount of money or making a purchase on credit, you, undoubtedly, plan to quickly reimburse everything. True, it's not for nothing that they say that planning is the same as making God laugh. Sometimes circumstances play against ourselves, and people ask themselves every day the question: "How to pay off debts?"
How to properly pay off debts - the main recommendations
- During the repayment period, try to deny yourself unnecessary waste. No matter how funny it sounds, but another pair of shoes can significantly distract you from the goal.
- You are mistaken if you think that it is necessary, first of all, to get rid of small debts. The most important thing is to analyze the situation, writing everything on paper. Identify from the list that which necessarily requires "repayment" due to any terms, percentages, etc.
- Working with the existing list, it is necessary to answer the question: "What is the highest priority for me?". Thus, the palm of the championship is given to arrears, non-payment in time which necessarily creates new debts. The second place is that by which your dwelling will remain without gas supply, water, etc. And to less important carry such that "do not burn".
- You want to pay off your debts quickly, then proceed in the same way as in the previous paragraphs, though, without forgetting to draw up a schedule for correct repayment. To do this, ask yourself a certain minimum amount, which you will necessarily pay monthly, while the amount of each loan should be reduced by 15%. Consider yourself: you received a salary and to pay off all debts from it you need to spend at least 25% of cash receipts.
- To the question: "How to pay off with big debts?" Act according to the scheme according to the previous point, not forgetting to increase your income. Every day, note in your diary your expenses and preferably try not to borrow , in order not to fall into the financial hole again.