5 Spôsoby, ako vyskúšať a znížiť svoje dlhy a výdavkami


Anyone that has a high level of debt or a number of creditors to pay off each month will know how stressful and difficult financial management can be. Však, pre tých, ktorí deformovať sa s mesačným odchádzajúce dôsledku vysokej miery zadlženia tam sú niektoré kroky, ktoré by mohli pomôcť znížiť sumu, ktorú budete musieť zaplatiť každý mesiac, as well as reducing overall interest paid on your debts.

1. See where you can make cutback’s on your outgoing’s. Look at cutting back on little luxuries such as eating out at lunch each day rather than taking sandwiches to work with you. Tiež vystrihnúť žiadne zbytočné výdavky, ako napríklad predplatné a členstvo, ktoré už nemusia byť k ničomu pre vás. Je prekvapujúce, koľko si môžete pazúr späť cez rad malých úspor každý mesiac, a to potom môže byť použitá k vašej menšie dlhy, ako sú kreditné a zákaznícke karty, aby sa im rýchlejšie vyčistiť.

2. Make sure that you are aware of exactly what is coming in and going out of your account each month. Trying to manage your finances and prioritize on paying off debt is impossible if you don’t keep a proper track of your income and outgoing’s. 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. Consider consolidating your debts. Konsolidáciou menšie dlhy jedného väčšieho úveru, môžete znížiť počet splátok budete musieť robiť každý mesiac, znížiť späť na počte veriteľov, ktorým budete musieť platiť úroky, and dramatically reduce the amount that you pay out each month. For homeowners, a secured loan could be the ideal solution, as this can be spread over a longer period and this helps to keep monthly repayments down. You should be aware though, that by taking finance over a longer period, this would mean you pay back interest for longer. Však, v prípade, že úroková sadzba je dievča, než to, čo v súčasnej dobe platiť, and lower monthly payments means that you have more disposable income to spend, 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, with out borrowing additional money.

4. Try and clear your overdraft. If you have an overdraft with your bank, and you find yourself reaching the limit every month, one small transaction is all it will take to push you over the limit – and of course this means hefty bank charges being added to your account. 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, whereas another added loan will increase both. It may sound obvious but try avoid taking out a loan as an easy solution, , Pretože to bude stačiť iba krátkodobo a môžete čoskoro ocitnete snaží držať krok so všetkými z vašich predchádzajúcich dlhov a nová pôžička.