7 Tips til at hjælpe med at reducere din gæld


As debt continues to increase in many households across America, flere familier hvert år er at finde sig selv på udkig efter måder at reducere deres samlede husholdningernes gæld. For nogle, dette kan være lettere sagt end gjort. Debt reduction requires a lot of hard work and dedication. Especially when you are used to spending money left and right.

Those that are serious and committed to reducing their debt will eventually reap the rewards of being debt free. Reading my simple seven tips will give you many ideas, about how you can reduce your debt.

Cut back
When you start to cut back on spending, you will find corners that you can cut through out the month, to help you pay off your debts. Simple things such as, being aware of all of the electricity you use, and turning off lights that are not needed as you leave a room, will help reduce your light bill, therefore, you save a little more money to reduce your debt with. Once you become aware of your spending habits, and start cutting back, you will start to notice more ways to cut back each month.

Budget
Budget your income. List all of your monthly bills and their due dates. Apply them to your budget, as well as other household needs, for example, groceries, gas etc. Allow yourself only so much money per month to spend on extras. Sticking to your budget will show self control, and determination for reducing your debt.

Limit the use of your Credit cards
If you can not pay cash for it, then do not buy it. If you have to charge something, make sure that you can pay the balance in full when your next credit card bill comes in. Never charge on your credit card to only pay the minimum monthly amount. You will never get that maxed out credit card paid off that way. The importance of paying your credit card balance in full, can not be stressed enough.

Get rid of your credit cards
If you are determined to reduce your debt, cutting up your credit cards will help. If you do not have them, you can not use them. If this is too big of a step for you, at least get rid of the unnecessary ones. Keeping only one or two, low interest rate cards for emergencies only, is a good idea. Remember if you can not pay cash for something, then you probably do not need it.

Pay off your debts
If you have already acquired some debt you need to pay off, now is the time to get started. Decide which debt is your smallest and start with that one. Pay on it as your budget will allow. Once you have gotten your smallest debt paid off, you will have a feeling of satisfaction and know that you can pay off your debts. Then move to the next smallest debt, when you are paying them off one by one, it is easier to do, with out feeling over whelmed. Before you know it, all of your debts will be paid and you will feel great about knowing you paid them off.

Debt consolidation
Debt consolidation is another option to look at for reducing your debt. Debt consolidation companies, will call your creditors for you, and make payment arrangements for your debts. Many companies will get you one low monthly payment to pay each month, until all of your debt is paid off.

Financial counseling
Make an appointment with a financial counselor to help you reduce your debt. Some people find, having someone else point out the errors in their spending habits to help tremendously. Financial counselors can also show you how to better manage your money, and stick to a budget.

Gæld Forhandling Tips


When you reach the position where you can’t afford your debt repayments, it’s time to take action.

Instead of running from your situation you need to take positive steps to fix it. Hvis du når det punkt, hvor du ikke kan holde op med afdrag, Det er vigtigt, at du kontakter dine kreditorer så hurtigt som muligt og forklare din situation.

It will help your situation greatly if you mange to contact your creditors before they contact you.

Det vil vise dem, at du tager din situation alvorligt og har taget ansvar for staten på din økonomi. It will reassure them that they’re more likely to receive their money….eventually!

Now this may be hard to believe, but your creditors won’t want to take court action against you unless it’s absolutely necessary.

Would you like to know why? Well first, all court action is time consuming, costly and unpredictable. It’s generally a last resort, when all other avenues have been exhausted.

Second, it’s a question of maths. It’s just a simple commercial decision. If you were in the business of lending money and someone was having trouble repaying you, let me ask you a question. Vil du hellere modtage alle det over en meget længere periode, der oprindeligt er aftalt, eller 20 cents in the dollar months later when the bankruptcy courts get it all sorted out?

Exactly! There’s no contest. Konkurs fordele ingen (godt, bortset fra de advokater og revisorer, men det er en anden sag!)

Og de fleste långivere indser dette!

If they’re offered a reduced payment schedule over a longer period, most will be glad to accept it. I de fleste tilfælde vil give dem mulighed for at modtage flere af deres penge tilbage end alternativet konkurs. Og at mine venner, er din mulighed for at finde en løsning på din gæld problemer!

Kontakt dine kreditorer Early

Så snart du kender, vil du ikke være i stand til at holde op med dine afdrag, komme i kontakt med din långiver. Skriv til dem forklare din situation, at give dem en begrundelse for dine økonomiske vanskeligheder. Creditors will often be open to negotiation, and dare I say it, quite helpful. As I say, de blot ønsker at sikre, at de får så meget af deres penge tilbage som muligt. Det kan være muligt at udarbejde en mere passende tilbagebetaling tidsplan, der vil tillade dig at betale din gæld.

Hvis du ignorerer dine kreditorer, de vil have dig i retten hurtigere end du kan sige konkurs! Ignorerer breve fra kreditorer tendens til at gøre dem knotten. Husk, de ikke ønsker at tage retlige skridt, medmindre dine handlinger tvinge dem til! But if your general attitude says to them ‘I’m in this position because I spend recklessly and have a cavalier attitude towards my debts’, de vil ikke have noget valg.

Når du har udarbejdet et personligt budget og vide, hvor meget du har råd til at betale over din gæld hver måned, kontakte dine kreditorer og gøre dem et tilbud. Det er bedst at holde dit tilbud af reducerede månedlige betalinger så kort og præcist som muligt. Men frem for alt, make it honest and realistic.

This is good ‘I would therefore like to offer $15 per month to repay this account’.

This isn’t ‘I’m hoping that things will get better over the next couple of months, så jeg vil øge min betalinger så meget som jeg kan på det tidspunkt '. Dårligt! Långiverne vil grine i dit ansigt på den slags tilbud!

Og uanset hvad der sker, når det kommer til at gøre et tilbud af reducerede betalinger, ikke bluffe dine kreditorer.

af Stuart Laing

Copyright (c) Komme ud af gælden

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