7 Tips About Getting Out Of Debt and Financial Independence
If you are stuck in a horrible debt you have to change your lifestyle and learn how to manage your money better. Here are just 7 debt free tips to get you started:
1)Stop spending money on junk you don?t need. You have to desire this with all your heart if you want to succeed. You don?t need a new flat screen TV if the old one still works. This goes for the personal computer too. We live in a gadget crazed world and it can be very easy to buy a lot of stuff that you really don?t need. Ladies think twice if you really need an extra pair of shoes. I know they match the new blouse you have just bought but maybe you would be a lot better off by not buying either.
2)Make sure that both you and your life partner have the same money goals. This means that both of you have to desire to get out of debt and never get in it again. If you want to pay your debts and your spouse wants a new car you have problems. Work them out fast.
3)Stop eating out. I know it is a lot more convenient to have your meal cooked for you by a chef but it costs you a lot of money each end every month. Even if you eat only at cheap restaurant you are still spending a lot more money that you would if you ate at home. That is without taking into consideration the health bills.
4)You should reward yourself each end every time that you achieve one of your get out of debt goals. But don?t reward yourself by spending a lot of money. If you can don?t spend any money at all. Use your imagination to find cheap rewards that will please you.
5)You should always have some extra cash stashed away regardless of how many creditors you have and how much you owe. You should have that extra money for your peace of mind. Knowing that you have some money in case something unexpected happens is soothing for your mind.
6)Get rid of all your excessive credit cards. It can be really therapeutic cutting your credit cards with a big pair of scissors. You should definitively give it a try. I did this a long time ago and it was fabulous. I felt so liberated afterwards.
7)Go to a credit counseling service to get a solid get out of debt plan. There are a lot of credit counseling services out there but you have to be very careful. Some of them are only looking to trick you and take advantage of your weak negotiating position. Don?t be intimidated and tell them exactly what is on your mind and what you would like to do to get out of debt. - 23200
1)Stop spending money on junk you don?t need. You have to desire this with all your heart if you want to succeed. You don?t need a new flat screen TV if the old one still works. This goes for the personal computer too. We live in a gadget crazed world and it can be very easy to buy a lot of stuff that you really don?t need. Ladies think twice if you really need an extra pair of shoes. I know they match the new blouse you have just bought but maybe you would be a lot better off by not buying either.
2)Make sure that both you and your life partner have the same money goals. This means that both of you have to desire to get out of debt and never get in it again. If you want to pay your debts and your spouse wants a new car you have problems. Work them out fast.
3)Stop eating out. I know it is a lot more convenient to have your meal cooked for you by a chef but it costs you a lot of money each end every month. Even if you eat only at cheap restaurant you are still spending a lot more money that you would if you ate at home. That is without taking into consideration the health bills.
4)You should reward yourself each end every time that you achieve one of your get out of debt goals. But don?t reward yourself by spending a lot of money. If you can don?t spend any money at all. Use your imagination to find cheap rewards that will please you.
5)You should always have some extra cash stashed away regardless of how many creditors you have and how much you owe. You should have that extra money for your peace of mind. Knowing that you have some money in case something unexpected happens is soothing for your mind.
6)Get rid of all your excessive credit cards. It can be really therapeutic cutting your credit cards with a big pair of scissors. You should definitively give it a try. I did this a long time ago and it was fabulous. I felt so liberated afterwards.
7)Go to a credit counseling service to get a solid get out of debt plan. There are a lot of credit counseling services out there but you have to be very careful. Some of them are only looking to trick you and take advantage of your weak negotiating position. Don?t be intimidated and tell them exactly what is on your mind and what you would like to do to get out of debt. - 23200
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Find out how to get out of debt by visiting CCSOnline.co.uk There you can read top debt free articles.
posted by X - Men @ 3:44 AM
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