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To avoid those who are drowning in debt
1) Accurately list debts. Most of the people who are drowning in debt are people who don't keep trac...
1) Accurately list debts.
Most of the people who are drowning in debt are people who don't keep track of their debt. I take it because it's easy for myself, and I take it again and again, and I often don't know for sure what kind of debt I have. That's why once you take a loan, how much can you repay? How much is the interest? Why would you take a loan? You should take it after thinking about whether you really need it. After taking it, you should make a list and remember it. If so, the amount of your debt is more than the amount you can pay. Before I take it again, I think about whether I will be able to pay it back.
2) Don't take on new debt and pay off old debt.
The worst thing is to take out new debt to pay off the old debt. That's one of the reasons we're stuck in debt. You can't get out of debt by reading how much interest is added to pay off one debt. Taking out low-interest debt to pay off high-interest debt is still a good idea. Taking on more debt to pay off the current debt should not be done at all.
3) Increase income and try to reduce expenses as much as possible.
The only way to pay off debt without paying interest is to increase your income and use that extra income to pay off your debt. If you have only one income because you work only one job, you will have to think about how to increase your income by doing 2 or 3 jobs. The increased income must be carefully managed and paid off. While you are still in debt, you must plan your spending carefully and save as much as you can.
4) Make good use of time.
Many excuses are that their current job is full-time, so they don't have time to do another job. In fact, if you don't choose a job, there are many part-time jobs outside of Samara Bio. In addition to a normal income, if you carefully check your extra time, you will have a lot more time, and you will spend less time in other ways, and every time will become an income for you. That way, you will be less upset and stressed by external things. Income will also increase, so you can be self-sufficient in time. It is necessary to persevere and not shy away from any hard work.
5) Try to pay interest and principal equally.
Another thing is that high-interest debts often return almost as much as the principal as soon as the interest is paid. The debt is not paid yet. That's why the interest is also interest and pay off the principal as much as possible. There will be hope from that.
The best thing to do is to balance your debt with your income. It is beneficial if you know how to use it because you really need it, with low interest and where you need it. That's why you should keep a list of your police debt. That's the only way to encourage them not to use it easily.
Most of the people who are drowning in debt are people who don't keep track of their debt. I take it because it's easy for myself, and I take it again and again, and I often don't know for sure what kind of debt I have. That's why once you take a loan, how much can you repay? How much is the interest? Why would you take a loan? You should take it after thinking about whether you really need it. After taking it, you should make a list and remember it. If so, the amount of your debt is more than the amount you can pay. Before I take it again, I think about whether I will be able to pay it back.
2) Don't take on new debt and pay off old debt.
The worst thing is to take out new debt to pay off the old debt. That's one of the reasons we're stuck in debt. You can't get out of debt by reading how much interest is added to pay off one debt. Taking out low-interest debt to pay off high-interest debt is still a good idea. Taking on more debt to pay off the current debt should not be done at all.
3) Increase income and try to reduce expenses as much as possible.
The only way to pay off debt without paying interest is to increase your income and use that extra income to pay off your debt. If you have only one income because you work only one job, you will have to think about how to increase your income by doing 2 or 3 jobs. The increased income must be carefully managed and paid off. While you are still in debt, you must plan your spending carefully and save as much as you can.
4) Make good use of time.
Many excuses are that their current job is full-time, so they don't have time to do another job. In fact, if you don't choose a job, there are many part-time jobs outside of Samara Bio. In addition to a normal income, if you carefully check your extra time, you will have a lot more time, and you will spend less time in other ways, and every time will become an income for you. That way, you will be less upset and stressed by external things. Income will also increase, so you can be self-sufficient in time. It is necessary to persevere and not shy away from any hard work.
5) Try to pay interest and principal equally.
Another thing is that high-interest debts often return almost as much as the principal as soon as the interest is paid. The debt is not paid yet. That's why the interest is also interest and pay off the principal as much as possible. There will be hope from that.
The best thing to do is to balance your debt with your income. It is beneficial if you know how to use it because you really need it, with low interest and where you need it. That's why you should keep a list of your police debt. That's the only way to encourage them not to use it easily.
