How to get rid of debt?
Debts often introduce a person into a state of depression. To avoid this, you need to learn how to live within your means. But first of all, you should think about how to get rid of debt. This will be discussed below.
How to get rid of debt and not take loans?
To get rid of existing debts, you need to optimize your expenses. This means that you need to rationally allocate your budget, and better learn how to plan it. It may seem to many that it is very difficult, but first you should write down the items of expenditure. Now, in front of each of them put the amount. Calculate how much you ended up with. Will you be able to reduce debit with a loan at the end of the month? If not, then you will have to borrow again. Analyze your expenses, most likely, some of them can be reduced, or even completely removed from the budget.
First of all, you should cross off expensive purchases. Surely, you can walk around with an old mobile phone, and the curtains in the living room may still hang for at least six months.If you are a fan of buying delicacies, moderate your appetite. Also, do not in the near future to get clothes, because you can walk in the old.
Adhering to this scheme, you will significantly reduce their costs. When you pay off all the debts, do not abandon the preparation of the budget, because soon you will not have enough money again. Try to further reduce their costs, but within reasonable limits.
How to get rid of credit debts is easiest?
Reflecting on how to get rid of credit debts, you can try to prioritize them, and then start giving back. So, first of all, pay loans that were taken at high interest rates. Give not the minimum fee, but the maximum possible amount. Thus, you will save a huge amount of money that can be used to pay smaller debts. Also, do not take new loans to pay off old ones. After all, this is a vicious circle from which it is almost impossible to find a way out.
What can be done to pay off debts faster?
To pay off debts more quickly, you should consider getting extra income.You may be able to get a promotion, talk to the boss about it. However, one should not ask for a wage increase; one must come from the other end. Admit that you do not have enough money earned, say that you want to earn more, for this you are even ready to take on additional responsibilities. Surely the boss will meet you and offer possible options.
You can also consider the option with a side job. Think about who you can work in the evenings or on weekends. Perhaps you have some valuable items for sale, and so you get money to pay off the loan. More ways to find funds to pay loans can be found in our article - How to pay off debts.
How to get rid of debt with magic?
Get rid of debt quickly help magic. There are quite a few conspiracies, rituals, through which you can earn money to pay loans. You can try the following. When the 28th lunar day comes, write on the sheet of paper the names of all your creditors, and then burn the paper and wash the ashes with water. After that, you can quickly pay off debts, the money will come easier.
How to return debts?
Not all debtors repay borrowed money. Of course, when there is a receipt, you can go to court, but if it is not, then the situation is very precarious. It is best to first go talk to the debtor and politely ask to return the debt, citing the fact that you are now in dire need of money.
If this does not help, then it should be after some time to talk with him on this topic again, but this time the conversation should be recorded on a dictaphone, and even better on a video camera. With this material in hand, you can safely go to court. If you do not want to do this, then you should influence the debtor with the help of his relatives and friends. Perhaps they will borrow money to him or persuade him to find a way to repay the debt.
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