5 Fason eseye ak Diminye dèt ou Apre sa, bout


Nenpòt moun ki ki gen yon wo nivo nan dèt oswa yon nimewo nan kreditè yo peye sou chak mwa pral konnen ki jan estrès epi difisil finansye administrasyon yo kapab. Sepandan, pou moun ki kap kwape tèt yo ak chak mwa k ap fini manda kòm yon konsekans wo nivo dèt gen kèk etap ki ta kapab ede diminye kantite lajan an ki ou oblije peye soti chak mwa, kòm byen ke diminye enterè jeneral peye sou dèt ou.

1. Al gade nan kote ou ka fè cutback a sou la sortan ou. Look at cutting back on little luxuries such as eating out at lunch each day rather than taking sandwiches to work with you. Epitou koupe soti nenpòt depans nesesè, tankou abonnements ak manb ki ka sispann fè nan anpil itilize ba ou. Li se etone konbyen lajan ou ka grif tounen nan yon nimewo nan ekonomi ti chak mwa, ak sa a kapab Lè sa a, yo pral aplike nan direksyon pou dèt ki pi piti ou a, tankou kredi ak magazen kat yo nan lòd yo klè yo pi vit.

2. Asire w ke ou yo okouran de ekzakteman ki sa ki vini nan ak soti nan kont ou chak mwa. Ap eseye jere finans ou ak priyorite sou peye dèt se enposib si ou pa kenbe yon tras apwopriye nan revni ou ak sortan a. Lis desann tout ti peman ki ale soti nan kont ou pou w konnen ekzakteman konbe ou kapab peye depanse oubyen yo mete li nan direksyon pou netwaye dèt ou yon ti kras pi vit.

3. Konsidere konsolide dèt ou. Pa konsolide ki pi piti dèt ak yon sèl pi gwo prè ou ka redwi kantite mansualite ou te fè chak mwa, koupe tounen sou kantite a nan kreditè ki moun ou oblije peye enterè, 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, ki pa pran finans sou yon peryòd ankò, sa a ta vle di ou peye tounen enterè pou pi lontan. Sepandan, si to enterè a se kopin pase sa ou kounye a peye, and lower monthly payments means that you have more disposable income to spend, li ta sèvi yo anpeche li nan men yo te nesesè ke ou bezwen pran sou siplemantè prete jan ou ap gen lajan rezèv chak mwa swa konstwi ekonomi yo epi yo dwe kapab peye bagay ki ou te fè vle achte, ak soti prete lajan anplis.

4. Eseye epi ki klè dékouvè ou. Si w gen yon dékouvè ak bank ou, epi ou jwenn tèt ou rive nan limit la chak mwa, yon ti tranzaksyon se tout li pral pran pouse ou sou limit la - ak nan kou sa a vle di akizasyon bank for yo te ajoute nan kont ou. 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. Si ou gen entansyon pran yon lòt prè sa yo ta dwe pa fason pou konsolidasyon olye ke yon adisyon a finans ki egziste deja ou, kòm konsolide tout kredi ki egziste deja ou ka ede fasilite souch finansye a ak pou diminye kantite a sortan, Lè nou konsidere ke yon lòt prè te ajoute yo ap ogmante tou de. Li pouvwa son evidan, men eseye evite pran yon prè soti kòm yon solisyon fasil, tankou sa a ap sèlman sifi pou a kout tèm epi ou ka byento jwenn tèt ou difikilte yo kenbe ak tout nan dèt anvan ou plis yon prè nouvo.

15 Fason mwayèn Chèche ka simonte ap monte epi akablan Dèt


Before sharing these recommendations, I suggest that you have a way of tracking your expenses. This will give you a clear picture of what you spend daily, 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) Reduce monthly expenditures. For example, once the price of gas increased, our monthly gas costs went from roughly $200 to approximately $450- 500.00. In an effort to reduce our gas costs, I stopped taking miniature trips every day. Also, my husband would drive my car on the weekends because it costs less in gas.

3) If you’re a person that makes several trips to the grocery store during the month, 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, it costs more just to leave the house to get groceries as well as going to work.

4) With the increasing utility bill, 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) As an option, temporarily get a second job for supplemental income. If married, this should be the person that has the ability to generate the most income. I do not recommend any Multi-level Marketing opportunities.

6) For a single person in debt – if you are off on weekends, 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. For example, 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, braids or tinting every week – do you need to go to a high end salon or could you go Great Clips for the same thing? I am not saying do not pamper yourself; Sepandan, as times get tougher what is the necessity?

11) Maintaining your vehicle is a necessity, but going to a car wash every week is not. You can wash your car at home. Re-evaluate how you are spending your money.

12) If you are a person that likes to go out to eat, reduce the amount of times per month you go out to eat. Begin cooking at home since you are buying groceries for the month.

13) Entertainment – whether it is going to the movies, bars or happy hour – these expenses add up. For example going to a matinee is $7.50 a person (for the two of us is $15.00 before we even get food, 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 is an option.

14) Add up how much you spend at a vending machine per week when you are at work if you work outside the home. Consider taking snacks from home.

15) Health insurance – if you had a job and are using COBRA for health insurance until you have secured another job, seek an alternative health insurance to the COBRA payments. I remember when I first stopped working at the law firm, we utilized COBRA for almost eighteen months and the price increased two times. Prior to the second increase, I located a shared insurance plan and saved us lots of money.

** There has to be some structure during these difficult economical times. Sepandan, these times do not have to be so hard that you cannot enjoy life.

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