A guideline to reduce your personal debt for the year 2019
This article is a guide for all those individuals who are swimming in personal debt and are looking for avenues to pay them off. The first thing you have to remember is that you are not alone, and there are millions like you trying to figure out avenues for paying off debts. So, take courage and read through the following sections.
There are money bloggers all over the internet with original and unique content when it comes to tips and tricks to save money and clear off the debts. Our experts have compiled the following list for you to follow when you are under pressure from debt. So let us begin with how to réduisez votre endettement.
Step 1 – About creating a budget for the month
In this day and age of speed and lightning fast transactions, most of us forget to budget our spending. However, it is all the more essential since purchases can be made through a phone while having lunch as well. Take your cue from the biggest conglomerates which plan their budget with minute details. Invest time and make a spreadsheet which will account for the income, day-to-day expenses, payments for debts, and savings. Stick to your budget if you want your finances to improve.
Step 2 – Paying off the expensive debt first
When you are planning to clear off your debts in a systematic manner, then you need to sort and arrange through the credit card debts and the lines of credit according to the urgency and the rates of interest. Make sure that you pay off the highest interest and most urgent ones first. Make provisions to keep paying the minimum due for all the other lines of credit as well.
Step 3 – Paying more than the minimum
Yes, this is imperative. If you keep paying the minimum, you will never make a substantial dent in the total personal debt. So pay more than the minimum every month, which will enable you to prohibit prolonging the debt pay-off. This is your strategy to win against the vice-like grip of the so-called “debt-trap.”
Step 4 – Have you heard of balance transfers?
You can transfer the balance of a high-interest credit card to a low-interest one which will give you more confidence to pay off the debt in time. There are unique zero-interest credit cards that are used for transferring balance. However, keep in mind that the zero-interest period lasts for a limited period around a year. So make your choice and start paying off your debts as fast as you can.
Step 5 – Stop credit card spending
No, you don’t have to do it permanently. But you can at least pause your spending till you start making savings. Keep in mind a reward system of a significant purchase once you can clear off at least one line of credit. Cash backs and rewards are ways to keep you hooked on to your card spending, so exercise self-control to have better control over spending.
Keep in mind these simple and easy to follow steps to reduce your debt in 2019. All the best to you!
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