Moments when we consider that the only solution for a given situation applies for a loan, payroll deductible credit or use the card and overdraft limit. But we also know that becoming a debtor does not make anyone happy. And what decisions like this can get us into a tremendous cold. Are they the great villains of loans and usually because of them, we end up indebted even more. However, h always a way out, and to get to Is she you need to learn from these 5 foolproof tips on how to get rid of doubts.
Step by step how to get rid of doubts
According to the National Survey of Debt and Consumer Defaults, the percentage of indebted families rose to 63.3% in August 2014, as the default rate fell slightly in relation to the same period. last year. If your part of that reality, first of all, I need to make a diagnosis of your financial situation. To get rid of the doubts you will need to know how much it is owing, for whom, and the exact amount of the debt with and without interest. These details are fundamental when negotiating.
Take responsibility for debt
In most debt cases, the debtor denies his situation and even hides from the family. This behavior extremely negative because it makes it difficult to solve the problem and limits your aid options. If no one knows you. should, no one can help you. Taking responsibility also helps not to get into debt again in the future.
Map your spending and discover your ability to pay
Evaluate your income and expenses and find out how much to use to pay the debt.
In the case of larger debts, it is worth considering whether you are there any good that can be turned into quick cash to pay off your debts. Consider selling the car, for example.
Ask for help and negotiate
After the previous steps, maybe it is time to ask for guidance from a specialist or from a body like Across Lender Group to find a way to get rid of them together. of doubts. They will likely assess your situation and schedule a reconciliation meeting with a creditor representative. In most cases the pending is resolved and comes out much cheaper for those who owe. And in the case of Across Lender Group, is there a project called Linda Pome Online, whose main objective makes this negotiation quickly and totally over the internet.
Control your spending
Once you’ve figured out how to get out of debt, stop spending unnecessarily. Cut out the very expensive ballads, those night outings that are above your budget, the restaurants, the superfluous in the market Stop using the credit card and save on expenses at home, such as water, electricity, etc. That strategy is crucial to make leftover something or at least not missing. Apply the 50-15-35 rule! Learning how to get out of debt can be a little tiring and exhausting, in addition to requiring to modify your routine a little by acquiring new habits such as: controlling and recording expenses, learning to use the credit card and prioritizing purchases thus avoiding the accumulation of installments. But the good news that it will be worth, after all, the tranquility that is up to date with finances, and without creditors around, represents greater than the effort to adapt new reality.