Quickly get rid of debts

I warn you once: neither I, nor my friends accountant, nor American scientists, nor German financiers, not even the angels of heaven do not know the way to get out of debt without large and serious effort on the part of the debtor.

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Magic wand in this sense does not exist - and to get rid of debt, one needs to work hard. Another thing is that there are a few little secrets that can do it quickly and efficiently.



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The first thing every inveterate debtor is obliged to set aside a day of free time to be alone in the office with paper, pen and calculator and in one fell swoop to reschedule all your budget.



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And if we historically used to distribute their parishes expenses for a month, now you will have the habit to retreat and plan a budget for the week.



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The thing is that the budget of the debtor does not tolerate uncertainty, it must be rigid, predictable and known in advance.




Within months it is very difficult to do: try, for example, to plan in the diary every day for a month and then strictly observe the specified list, meetings and visits. You simply will not work. So it is with money: they will always end before end of the month.



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Therefore, plan your income and expenses each week. First, you will notice that you will become more profits if earlier, within a monthly budget for the advance and advance your husband seemed a drop in the ocean, now, within weeks, it will be quite a large sum of money.



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Significantly increase upon closer examination, any additional income like money transfers from parents or grandparents, benefits or premiums, earnings or payments from employer type of matbaasi or "vegetable".



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But spending on closer examination tend to decrease: if you tough schedule for the next week (taking into account income for the same week), you will have some money to repay the debt.



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And immediately his parasite - don't wait until you collect the entire amount, turn off the parts, make an arrangement with its creditors.



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After you carefully and responsibly rasplaniruete weekly parishes and weekly expenses, you will have to get used to the idea that spending more than planned is impossible in any case.



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Had planned to spend 15 dollars on gasoline do not fill a full tank, spend exactly $ 15. Decided to leave the shop the top ten - in no case do not relax on the course.




If you encounter the same unplanned expenses, you always can easily replace one regular, weekly payment on another, a force majeure (as part of the month it is usually harder to do).


Never depart from the schedule of debt repayments! Remember, the more time passes from the date when you took someone else's", the harder and Alice "give".



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And even if you will find compassionate lender who is willing to wait as long as you like - there is a temptation to relax is especially great! Discipline yourselves - netdania debts destroy the personality worse than alcohol!




And again, as soon as you give the creditors the last tranche, sericites to borrow. Better find a job, does not shrink from seasonal income, work at home, do not depart from the rules weekly budgeting - but stop living in debt.



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Remember: the debtor as an alcoholic, the first fun, then at least Caderousse. Let it be required to you, than you.

Source:

Belarusian women's portal

women's web magazine