5 Formas de tratar de reducir as súas débedas e gastos


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. Con todo, for those crippling themselves with monthly outgoing as a result of high debt levels there are some steps that could help to reduce the amount that you have to pay out each month, así como a redución total de xuros pagados sobre as súas débedas.

1. Aquí podes facer cutback está na súa saída do. Look at cutting back on little luxuries such as eating out at lunch each day rather than taking sandwiches to work with you. 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, and this can then be applied towards your smaller debts such as credit and store cards in order to clear them more quickly.

2. Asegúrese de que está consciente de exactamente o que está entrando e saíndo da súa conta cada mes. Tentando xestionar as súas finanzas e priorizar en pagar a débeda é imposible se non manter un control adecuado da súa renda e de saída do. 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. 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, 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, que, ao tomar o financiamento ao longo dun período máis longo, isto significa que pagar xuros por máis tempo. Con todo, if the interest rate is lass than what you currently pay, 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, as this will only suffice for the short term and you may soon find yourself struggling to keep up with all of your previous debts plus a new loan.

15 Formas Media pode superar a aumentar e esmagadora débeda


Before sharing these recommendations, Eu sugiro que ten un xeito de seguir os seus gastos. Isto lle dará unha visión clara do que gasta por día, weekly and/or monthly and aid you in reducing expenses where needed.

1) Accept the fact you are in debt and forgive yourself. If you are in denial, you are more likely to repeat the pattern.

2) Reducir gastos mensuais. Por exemplo, xa que o prezo do gas aumentou, nosos custos de gas mensual pasou de preto de $200 a uns $450- 500.00. Nun esforzo para reducir os custos de gas, Eu parei de facer viaxes en miniatura todos os días. Tamén, meu home ía dirixir o meu coche os fins de semana porque custa menos de gas.

3) Se é unha persoa que fai varias viaxes ao supermercado durante o mes, reduce the number of trips to once a month except for fresh vegetables. This will reduce the number of times you have to put gas in the car. Today, que custa máis, só para saír de casa para obter mantimentos, así como funcionará.

4) Coa conta de luz aumentar, begin making repairs to your home now such as getting a programmable thermostat and set it to a certain temperature so that it will automatically come on.

5) Como unha opción, obter temporalmente un segundo emprego para complementar a renda. Casado, this should be the person that has the ability to generate the most income. Eu non recomendo as oportunidades de marketing multi-nivel.

6) Para unha única persoa en débeda - se está fóra na fin de semana, temporarily get a weekend job and put those funds towards the bills along with your regular income.

7) If you have a cell phone and a regular phone that both have long distance, re-evaluate having both phones. It can get expensive to have both with long distance. Maybe you can remove the regular phone and just use your cell phone if most people call you on that number.

8. If you are a stay at home mom, in my opinion the kids should not be going to daycare. This is an unnecessary expense.

9) Be sensible about your expenditures when it comes to your children. Por exemplo, a six month old baby does not need name brand clothing. They need to be clothed. Suggest getting into ‘mommy group’ where you and your friends can swap clothing based on gender and age. I have a couple of moms that I swap clothes with and this saves all of us from having to shop at the store.

10) Grooming expenses for adults: do you really need to get your nails done every week? Could you put that money towards a bill? If you are getting your hair done whether it is a weave, perm, trenzas ou tingindo cada semana - ten que ir a un salón de beleza de gama end ou lle podería ir Grandes grapas para o mesmo? I am not saying do not pamper yourself; Con todo, as times get tougher what is the necessity?

11) Maintaining your vehicle is a necessity, pero indo a un lavado de coche cada semana non é. Pode lavar o coche na casa. Re-avaliar como está gastan o seu diñeiro.

12) If you are a person that likes to go out to eat, reducir a cantidade de veces ao mes sae a comer. Comezar a cociñar na casa, xa que está a mercar mantimentos para o mes.

13) Entertainment – whether it is going to the movies, bares ou happy hour - os gastos suman. Por exemplo ir a unha matinê é $7.50 unha persoa (para os dous de nós é $15.00 antes de conseguir comida, which would cost us another $15.00) do you really need to see the movie now or could you wait three months and see it on DVD. Netflix é unha opción.

14) Some o que gasta nunha máquina de vendas por semana, cando está no traballo, se traballa fóra de casa. Consider taking snacks from home.

15) Seguro de saúde - se tiña un emprego e están empregando COBRA para o seguro de saúde ata que teña garantido outro traballo, buscar un seguro de saúde alternativa aos pagos COBRA. Lembro cando eu parei de traballar na oficina de avogados, utilizamos COBRA por case 18 meses eo prezo aumentou dúas veces. Antes de que o segundo aumento, Localizei un plan de seguro compartido e nos salvou moito diñeiro.

** Ten que haber algunha estrutura durante estes tempos económicos difíciles. Con todo, these times do not have to be so hard that you cannot enjoy life.

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