Money solves many problems. It is difficult to argue with this fact. But even more problems bring lack of money. At this moment of people can step into a slippery slope and get to a debt hole. Debts are the reason of numerous depressions, stains, lawsuits and even suicides. Nevertheless, the thought how to get out of debts, visits almost each second inhabitant of the world. Also we will try to find an optimum and fast way out of this unpleasant situation.
How to pay off with debts?
There is such saying – take someone else's money, and give the. Really, it is easier to take a certain sum, than then to return it. As a rule, quickly it is possible to repay debts to very few people. To all fault various circumstances – impossibility to give all sum at once, constant everyday needs and many other things. And if business concerns the credit, then in case of a non-payment there is also a percent which can nakornyu cut any budget. Sometimes it seems that to eternal lack of finance there will be no limit. But you do not hurry to despair. Allow to give to you several advice how quickly to get clear of debts and to make the life more effective:
- It is known that money loves the account. Therefore first of all you need to write out on paper all your obligations, the credits, loans and other debts with the indication of the sum, terms of return and needs for which money was taken. Further it is necessary to summarize everything that you need to give. The figure will turn out very impressive, but you should not be afraid of it. The main thing that you already took the first step – looked in eyes to the trouble.
- Reduce the inquiries. This point too difficult, but important as you want to leave debts, should be remembered that trifles and various pleasures it is too expensive for you now. If you indulge yourself, then will never close a debt hole. Desire to have everything and at once which, most likely also led you to debts, has to be for a while forgotten. And new loans to you it is perfect to anything.
- Try to increase the income. Let it not always turn out at once, but the main thing in this case not to lower a hand. The best way to achieve improvement of a financial state is to find a side job. It is not important that it will be – outwork, extra earnings in network of fast food, in the taxi or somewhere else. Important that you had time for receiving additional income. Being idle, you do not solve the problem.
- Consider what sum in a month will be required to you to solve the needs for purchase of products, payment of utility bills and acquisition of vital things. Let's remind about any excesses of the speech we cannot be. Only the most necessary. Organize a competition with yourself. For example, how to live month and to save the sum allocated for the most necessary. But you remember that in this case you should not take extreme measures and to starve, or to walk in old ripped clothes.
- Do not do any grists. If you got used to put money in a moneybox or to provide against a rainy day, forget about it, you will not close all debts yet. Besides, if you have a personal account and on it there is a certain sum, spend it for closing of the credit better.
- Do not take the credit to distribute small debts. From outside it seems that it is much simpler, to distribute to all creditors and in exchange to pay the sum only in one place. However percent and an overpayment which expects you as a result will force you to spend much more, than you could. It is possible to take the consolidating credit only if the sums of debts are very big and you have no other exit. But at the same time try to find the minimum interest rates and a short repayment period. Also do not forget to enter this credit in the list of your debts.
- If you have a credit card with low interest, it can become the great assistant in repayment of debts with higher percent. The difference will be small, but in a situation when each kopek on the account, very much helps out you. In any other cases it is better to refuse the credit card.
- Proceeding from the budget of debts make the general budget where all your income and all expenses will be registered. So you will be able to control how many means monthly you have available where you can save, and, above all – how to get clear of debts by means of the kept cash. It is necessary to control the budget honestly, without concealing any kopek. Otherwise you will make worse only to yourself.
These are rather effective and effective councils how to close debts. Near at hand you always have to have two budgets: credit and clean. Let you did not get used to refuse to yourself any pleasures, but once you remember that a measure this temporary, and will become much easier to live without financial obligations to you. Only on own experience knowing how to repay debts, you will not risk to get into them anew any more.