What and what is your list of debts? This is the key to freeing yourself from debt

Hutang adalah gaya hidup bagi sebagian orang. Kami berutang uang untuk rumah kami, mobil kami, barang-barang kami termasuk furnitur dan pakaian, dan pendidikan kami. Beberapa orang terlilit utang, mereka bahkan tidak tahu persis berapa banyak utang mereka dan kepada siapa - jauh lebih buruk, kadang-kadang mereka tidak ingat persis apa yang menyebabkan masalah keuangan mereka.

Beberapa hutang bermanfaat bagi Anda. Misalnya, uang yang Anda miliki di properti Anda dapat memberikan cara yang layak untuk mengimbangi hutang Anda. Hutang yang kurang khawatir juga bukan hal yang mengerikan, karena menetapkan tingkat default untuk pemberi pinjaman yang berbeda dapat meningkatkan kelayakan kredit, membuatnya kurang menuntut untuk mendapatkan pinjaman dengan persyaratan yang menguntungkan. Namun, faktanya adalah bahwa banyak orang yang terlilit hutang - dan yang lain berhutang banyak uang dan berada dalam kesulitan keuangan yang mengerikan sekarang atau sebelumnya.


Akhir dari sejumlah besar uang bukanlah akhir dari dunia dan Anda dapat mencegah siklus utang dengan menemukan cara untuk menghentikan siklus itu.

Start with the high debts, eg. For example, credit cards for which you may be required to reimburse high minimum rates and high financing costs. Pay your credit card deposits first with the highest interest rate. Keep the minimum payments for lower-interest-rate cards, but focus on paying the one with the highest interest rate. At the point where you have settled the high-cost cards, you can sort the balances on your various cards.

Second, contact your lender. In case you are late or have problems with the minimum rate. Despite the fact that you can run each of your installments on time, there are two advantages to reaching the card issuer. Initially, you can ask for lower rates or more good terms. Second, they may recommend options that help minimize credit rating issues.

Third, combine all your debts in one loan as much as reasonably expected. You can do the different options. Essentially, there is a likelihood of transferring funds that start with one credit card and then at a lower rate to the next, but the transfer fees are known before that alternative is chosen. If you are a homeowner, another plausibility is to take out a home loan equity loan or a loan extension that has lower borrowing costs than most credit cards and also offers interest rate cuts. Finally, you can also consider a secured loan offer in another type of real estate, such as your vehicle.

Fourth, do not use your age reserve. The repayment of your debts should clearly be a high need of money, however, it may not be the wisest thing to cut back what you provide for retirement as such, thus coordinating your employer's funds. You may be able to borrow money against or out of your retirement provisions at a lower loan rate, giving you the opportunity to set aside for retirement while at the same time clearing the debt.

Although owing money, this can be a burden for many people. With these four tips you can reduce the amount of your debts or, if not, reduce them to a more reasonable level.

Tips to escape debt

What is your debt list?

First, you need to know what amount you need to pay on your credit cards. Many credit card holders are baffled when they know how many credit card debt they have to pay back. You unintentionally avoid writing down the list. Anyway, you need to know the amount of debt you owe. Provide the names of the lenders to whom you owe money, the due date, the amount to be paid and the financing costs. Arrange the list according to the loan fee. Higher credit card debt charges should be among the first on the list.

Make sure you pay the highest interest rate credit cards

Mulailah dengan membayar kartu tingkat bunga tertinggi. Bayar terus menerus lebih dari minimum. Jika Anda mengandalkan tingkat angsuran minimum, Anda tidak akan pernah tanpa utang lama. Bank telah melakukan trik utang minimum sehingga pinjaman dapat memakan waktu beberapa tahun jika Anda hanya mengembalikan jumlah minimum. Bayar terus menerus lebih dari minimum. Angsuran tambahan kecil ini menghemat ribuan dolar.

Hidup hemat sepanjang jalan

Mulailah hidup hemat, tidak peduli berapa lama Anda berhutang. Kartu kredit Anda telah dihapus. Minta perusahaan kredit untuk berhenti memberi Anda kartu kredit. Hindari pembelian impulsif. Pastikan Anda menyimpan setiap sen yang dapat Anda bayangkan. Beberapa dolar ditambahkan ke jumlah minimum akan menambah hingga hutang kartu kredit Anda.