5 Modi Biex Ipprova u jitnaqqsu d-djun Your U ll


Kull persuna li għandha livell għoli ta 'dejn jew numru ta' kredituri li tħallas kull xahar se tkun taf kif l-ġestjoni finanzjarja stressanti u diffiċli jista 'jkun. Madankollu, għal dawk tfarrak ruħhom mal ħierġa 'kull xahar bħala riżultat ta' livelli għolja ta 'dejn hemm xi passi li jistgħu jgħinu biex jitnaqqas l-ammont li inti għandek tħallas kull xahar, kif ukoll li tnaqqas l-interess ġenerali mħallsa fuq djun tiegħek.

1. Ara fejn inti tista 'tagħmel l-cutback fuq l-outgoing tiegħek. Ħares lejn qtugħ lura fuq il-lussu ftit bħal tiekol fil-ikla kull jum aktar milli jieħdu sandwiches li jaħdmu miegħek. Also cut out any unnecessary expenditure, such as subscriptions and memberships that may no longer be of much use to you. It is surprising how much you can claw back through a number of small savings each month, u dan jista 'mbagħad jiġu applikati lejn djun iżgħar tiegħek bħal kreditu u jaħżnu karti sabiex jirriżulta minnhom aktar malajr.

2. Kun żgur li int huma konxji ta 'eżattament dak li huwa li ġejjin fil-u li jmorru mill-kont tiegħek kull xahar. Jippruvaw jamministraw il-finanzi tiegħek u prijoritizzati fuq jħallsu d-dejn huwa impossibbli jekk inti ma żżomm rekord xieraq ta 'dħul tiegħek u l-ħierġa. List down every little payment that goes out of your account so you know exactly how much you can afford to spend or put towards clearing your debts a little faster.

3. Ikkunsidra konsolidazzjoni djun tiegħek. By consolidating smaller debts with one larger loan you can reduce the number of repayments you have to make each month, cut back on the number of creditors to whom you have to pay interest, u tnaqqas b'mod drammatiku l-ammont li inti tħallas kull xahar. Għall-dar, self garantit jista 'jkun is-soluzzjoni ideali, kif dan jista 'jiġi mifrux fuq perjodu itwal u dan jgħin biex iżommu rata mensili isfel. Għandek tkun konxju għalkemm, that by taking finance over a longer period, this would mean you pay back interest for longer. Madankollu, if the interest rate is lass than what you currently pay, u ħlasijiet aktar baxxi ta 'kull xahar ifisser li inti għandek aktar dħul disponibbli li jonfqu, it would serve to prevent it from being necessary that you need to take on extra borrowing as you will have spare money each month to either build up savings and be able to afford things which you made want to purchase, ma out self ta 'flus addizzjonali.

4. Ipprova u ċar overdraft tiegħek. Jekk għandek overdraft mal-bank tiegħek, and you find yourself reaching the limit every month, transazzjoni waħda żgħira hija kollha li ser jieħu biex timbotta għandek fuq il-limitu - u naturalment dan ifisser spejjeż bankarji hefty qed jiżdiedu mal-kont tiegħek. By ensuring that you keep your overdraft at a sensible level rather than teetering at the brink of exceeding the limit you can avoid these hefty charges.

5. If you do intend to take out another loan this should be by way of consolidation rather than an addition to your existing finance, as consolidating all your existing credit may help to ease the financial strain and reduce outgoing’s, billi self miżjud ieħor se jiżdiedu kemm. Jista 'ħoss ovvja iżda jippruvaw jevitaw li jieħdu l-self bħala soluzzjoni faċli, kif dan se jkun biżżejjed biss għat-terminu qasir u inti tista 'malajr issib ruħek li qed jitħabtu biex ilaħħqu mal kollha ta' djun preċedenti tiegħek flimkien ma 'self ġdid.