How to get rid of debts? Every day, this issue baffles millions of people around the world. Banks, shops, automobile and travel companies literally overwhelm our fellow citizens with attractive offers.
Unfortunately, not everyone finds the strength to refuse another loan or loan. As a result, after a couple of years of carefree life, all the money earned goes to pay the debt, and a person falls into a lifelong bondage to financial institutions. If you want to change the current state of things, then read this article. We will tell you how to get rid of debts and loans as soon as possible.
Counting debts
Financial analysts are sure that most people in our country do not think about planning a family budget at all. They calculate their expenses only one month in advance, and any unforeseen circumstances can shake fragile financial stability. How to get rid of debts and loans? First of all, you should face it and calculate the total amount that you must pay to banks and organizations. Focus on small debts, as considering them something insignificant is a big mistake.
Start saving
If you are determined to start a new life, then in the coming months you should give up excesses and pleasant things. During this time you will learn the correct distribution of your income and respect for money. A few simple ways to cut costs:
- Buy clothes and shoes during seasonal sales.
- Buy household chemicals, cereals and some products in wholesale stores.
- Stop alcohol and cigarettes completely.
- Visit cafes and restaurants less often.
- Refuse semi-finished products and cook at home yourself.
We increase monthly income
How to get rid of debts and start earning? Think of new ways to increase revenue. This may be a change of job or a side income, which will not distract you from your main activity.
Calculate the amount that will go to pay for utilities, the purchase of products and basic necessities. Give all other money without regret in payment of the loan. Remember that during this period it is not recommended to save money for a rainy day. If you already have some amount at your disposal, then let it be to pay for current debts. Thus, you can quickly part with financial obligations, and you do not have to pay interest that accrues every month.
Should I take a new loan to pay off the old one?
Many people are sure that they know a great way to get rid of credit debts. They go to the bank and get a new loan. In most cases, this does not solve the problem, but, on the contrary, pulls a person into a debt hole even more.
You should know that in the first place you pay interest, and in the last - the principal amount of the debt. Therefore, it makes no sense to take a new loan if you have already closed most of the old. However, if you find an organization that is ready to provide you a loan for a short period and with a low interest rate, then try to take this opportunity.
A credit card with a low rate can also help you out in a difficult situation.How to get rid of credit debts with such a card? Very simple - use all earned money to pay off financial obligations, and pay with a credit card to purchase products and other necessary things.
We draw up two budget plans
In order to gain financial independence, you must learn to use the money earned wisely. This will help you draw up a budget plan for the month. In the first you should indicate the total income, as well as the total expense and total surplus.
Remember that you must correctly calculate all the points and take into account all the little things. If a person overlooks something, then in a couple of months his budget will collapse and all work will have to be started anew. As a result, you will see how much money you have left in your hands, and you can distribute it between your debts.
The second budget, which is recommended by experts, is called the "debt". It shows how much a person owes to the bank and how much he needs to pay each month for each specific obligation. How to quickly get rid of debts and loans? To do this, all surpluses of the first budget should be transferred to the second and thus embark on the path financial freedom.
We are preparing a list
On a piece of paper write a list of all your debts and place them from top to bottom as interest decreases. This way you will see which loan should be closed first. The maximum amount of your income should go to pay the debt, which is placed on the first line of the list. The remaining funds are distributed between the remaining points. The procedure should be maintained until the largest debt is liquidated. After that, you can proceed with a clear conscience to the next loan.
Get interest rate cuts
Recently, more and more banks have been offering customers a new service that helps solve many of the borrower's problems. Loan refinancing It is advantageous in that it can be used to reduce the interest rate and thereby pay a smaller amount to the bank. This service is especially relevant for those who have taken housing in a mortgage.
The fact is that in some cases the rate on new loans is lower than on the old one, learned four years ago. Some financial institutions offer their customers to combine several old loans and pay one payment, which can significantly save personal time. For those who are currently experiencing financial difficulties, banks offer to extend the term of use of borrowed funds and reduce the monthly burden on the family budget.
Security measures
- Everyone knows that if you do not pay the loan amount on time, the bank will charge the debtor a fine in the form of interest. To prevent the occurrence of such a situation, activate the automatic payment service. Each month, the required amount will be deducted from your salary or credit card.
- It is known that errors happen even in the most perfect and debugged system. Therefore, make it a rule every month to check the movement of money in your accounts.
- Never take out a consumer loan secured by real estate. Remember that lower housing prices may entail a bank demand for early repayment of debt.
- Do not rush to become a guarantor, even if your relatives or friends ask for this service. If the borrower’s business goes wrong, you will not only lose money, but also ruin your relationship with a loved one.
- Take the protection of your personal data seriously, as cases of fraud with accounts and credit cards are quite common these days.
Anticredit. How to get rid of debts
All those who at least once thought about fixing the financial situation were looking for a way out via the Internet. Recently, many companies offer their services to people who are thinking about how to get rid of debt.For example, there are several public organizations that help fellow citizens find a credit lawyer, resolve disputes with a bank, or introduce laws that protect clients of financial institutions.
Seminars on the topic “Anti-credit. How to get rid of debts. " Many sites offer a free newsletter of tips or offer to buy literature that thoroughly reveals questions of interest. How to get rid of monetary debts? In a huge stream of information, everyone can find something useful for themselves. However, do not rush to trust the very first advertisement that catches your eye. Remember that in this area there are many scammers who will be happy to take advantage of the credulity of a person in a difficult situation.
How to get rid of debts on Feng Shui
In the first part of the article, we examined in detail issues that relate to the material side of financial relations. In the second part, we will talk about how oriental practices help a person gain freedom from debt relief. Some people are skeptical of mystical rituals, astrologer predictions, or furniture shifts as directed by Feng Shui masters.
However, even if you are not inclined to believe in these phenomena, try to treat our advice as a game. Remember the recommendations of psychologists who offer to be distracted from pressing problems and learn to look at familiar things in a new way. It is possible that a new activity or the implementation of actions in a certain sequence will help you relax and find new approaches to solving old problems.
Learning to focus on positive challenges
Eastern teachers noticed in ancient times that if a person constantly thinks about problems, then they become his constant companions. The fact is that we ourselves feed negative thoughts with our energy, which very quickly become reality. Therefore, it is important to think not about debt, but about money that you can earn and spend as you like.
We attract money to your home
Money luck, like any other, depends on the cleanliness of your home, the safety of things located in it and the location of objects. Correct the shortcomings that occur in any apartment, and very soon you will notice how financial crises stop visiting you and your family members:
- Put the order in the hallway - make sure that the front door is tightly closed and does not creak when opening, change the bulbs and improve lighting.
- The flowing water from the taps takes with you your money energy. Therefore, urgently repair plumbing, and also always leave the toilet lid down.
- The bin should not be visible and should always be covered with a lid. Feng Shui followers claim that red tape or a border on the top edge of the bucket or under its lid helps keep money in the house. You can tie a lace of the desired color to it or just draw lines with nail polish.
- Do not allow guests to wash the dishes in their home - such “help” deprives you of financial well-being and transfers all financial luck to someone else's house.
- Images of water and decorative fountains - these things can both attract money into your life and deprive you of the necessary funds for a long time. Remember that this powerful weapon should be used only at a certain time and in a certain place. Therefore, before buying such things, you should make a Feng Shui map of the house and take into account the birth dates of all people living in the apartment.
- Get rid of climbing and creeping plants, as they symbolize problems from which you can not get out. Ideally, the apartment should not even have imitation or decorative elements that remind you of similar colors.
Practical actions
For your financial affairs to go uphill, you must think about how to get rid of karmic debts.Perhaps in your life you committed a number of shameful acts that led you to a deplorable situation. Or it may be that there were people in your family who, through their actions, brought a series of sorrows or troubles to the descendants. Therefore, analyze the history of your family and your own life in order to understand where the problems come from.
- Spiritual practice “Gratitude”. Learn to appreciate all the nice little things that life gives you. Keep a diary in which you will record all the good that happened to you in a day. In a couple of weeks, you will realize that your life is not so bad and much in it deserves thanks.
- Solar practice is suitable even for the most lazy people. You just need to get up with the sunrise and enjoy the beautiful picture. If you absorb the energy of the sun every day, then very soon your business will go uphill.
An experienced psychologist or psychotherapist will help cope with a guilty feeling, which, perhaps, directs your actions. It is known that the scenario of fate, according to which we all live, can be corrected, and then begin a completely new life without debts and obligations to other people.
