5 Ways To Try And Reduce Your Debts And Outgoings


Alle som har et høyt nivå av gjeld eller en rekke kreditorer til å betale av hver måned vil vite hvor stressende og vanskelig økonomistyring kan være. Men, for de ødeleggende seg med månedlig utgående som følge av høy gjeldsnivå er det noen tiltak som kan bidra til å redusere det beløpet du må betale ut hver måned, samt redusere den samlede rentekostnader på gjeld.

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. 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. 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. 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, that by taking finance over a longer period, this would mean you pay back interest for longer. Men, 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 Måter gjennomsnittlig person kan overvinne Økende og overveldende gjeld


Before sharing these recommendations, I suggest that you have a way of tracking your expenses. Dette vil gi deg et klart bilde av hva du bruker daglig, ukentlig og / eller månedlig, og hjelpe deg med å redusere kostnader der det trengs.

1) Godta det faktum at du er i gjeld og tilgi deg selv. Hvis du er i fornektelse, du er mer sannsynlig å gjenta mønsteret.

2) Redusere månedlige utgifter. For eksempel, når prisen på gas økt, våre månedlige gasskostnader gikk fra omtrent $200 til ca $450- 500.00. I et forsøk på å redusere våre gasskostnader, I stopped taking miniature trips every day. Also, min mann ville kjøre bilen min i helgene fordi det koster mindre i gass.

3) If you’re a person that makes several trips to the grocery store during the month, redusere antallet turer til én gang i måneden med unntak av friske grønnsaker. 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, begynne å gjøre reparasjoner til ditt hjem nå for eksempel å få en programmerbar termostat og sett den til en viss temperatur, slik at den vil automatisk komme på.

5) Som et alternativ, midlertidig få en ny jobb for supplerende inntekter. Hvis gift, Dette bør være den som har evnen til å generere mest resultat. Jeg vil ikke anbefale noen Multi-level Marketing muligheter.

6) For en enkelt person i gjeld - hvis du er på i helgene, midlertidig få en helg jobb og sette disse midlene mot regninger sammen med din vanlige inntekt.

7) Hvis du har en mobiltelefon og en vanlig telefon som begge har lang avstand, revurdere å ha begge telefonene. 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. Hvis du er en hjemmeværende mamma, etter min mening barna ikke skal gå til barnehage. Dette er en unødvendig utgift.

9) Be sensible about your expenditures when it comes to your children. For eksempel, 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? Hvis du får håret ditt gjort om det er en veve, 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; Men, as times get tougher what is the necessity?

11) Maintaining your vehicle is a necessity, men kommer til en bilvask hver uke er ikke. Du kan vaske bilen hjemme. Revurdere hvordan du bruker pengene dine.

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, barer eller happy hour - disse utgiftene legge opp. For eksempel kommer til en matiné er $7.50 en person (for to av oss er $15.00 før vi selv får mat, som vil koste oss en annen $15.00) trenger du virkelig trenger å se filmen nå, eller kan du vente tre måneder og se den på 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. Vurdere å ta snacks hjemmefra.

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. Men, these times do not have to be so hard that you cannot enjoy life.

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