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Out of your total income, how much percentage should go to rent or house payments?
Additional Details
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Additional D... |
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plamenchooo b | What`s the best way to lower your debt? |
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MARCO
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stop borrowing to finance your bettings.... |
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CapeCodGram
 |
Unfortunately, the major factor is spending less. Then pull a credit report. Cancel all accounts with no balance. Cut up all but one major credit card. Put that card in a bowl of water and freeze it the the freezer. (that makess you think before making purchases). Pay the debts that have the highest interest rate first. The process could take 3-5 years. Be patient, it is worth the effort. |
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Mr Happy
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Live below your means and start paying your bills. |
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Chefed#1
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Stop spending and pay off your cards ,then cut them up . |
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daisycutter
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Pay off the highest interest debt first. In other words.
1. Loan sharks!
2. Credit cards |
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greenhorn
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Keep a record of every item you spend on, for a few months. This may involve some work to start with, but is worth the effort. At the end of every month, analyze your expenses into food, entertainment, clothing, rent, mortgage, gas, credit card payment, loan interest, etc. and see which are the high expense items. See if you can cut down on the expenses that are high in relation to your available resources. With a little thinking, if you can make even a 5% cut on the high value items, you would save a lot, and thus reduce your debt.
This is for the future. For existing debt, check which debts are high interest ones and see if you can clear these first as much as possible, and as quickly too. See if you can get finance at cheaper rates, and beware of expenses in small print. Pay off existing debts like credit card ones as these have a tendency to balloon into big sums if not controlled.
Maybe if you can increase your income by doing additional jobs, it would help to pay off your debts earlier. Proper investment of your surplus money in relation to your debt costs would also help in reducing your debt.
There are several other ways to reduce both present and future debt, and to increase your income. For this, a detailed analysis of your income and expenditure levels would be required to be made. |
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shootdenpoint
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work not play |
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gerz
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buy important things only n dont borrow money from others |
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sniper
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First, get your spending under control. Then determine what your needs are and what you can afford to pay per month on your existing debt. Seeking the help of a reputable debt counselor is not a bad idea. Whichever route you take, make sure you are optimistic about it. If you strive to eliminate your debt with an excitement, you are more likely to succeed. |
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Lisa L
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Easy, work harder
No more play time!! |
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the dream
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Refinance your home, get cash out to payoff your credit cards, have a professional settlement company obtain reduced rate payoffs, or settlements, for you, then take the extra money and go on vacation. |
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Thin Kaboudit
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1. Cut up your credit cards
2. Don't buy anything that you don't actually need.
3. Give yourself a pay cut (pretend you got a 20% paycut. When you get paid, take that 20% and put it against your smallest outstanding debt straight away. Pay minimums on other debts. When the smallest debt is done, move on to the next one...)
By the time you are out of debt, you will be used to living on 20% less, and so can invest that 20% instead. Soon you will be rich. |
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tarahshane@rogers.com
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stop shopping and wasting!!! |
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INACTIVE
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The common sense approach to lowering debt, as mentioned above by others, is to break the cycle of adding more debts. Now, you don't want to cancel your accounts unless you are paying an annual fee on them. Just leave them active. Call each company and ask for a lower interest rate. Many will comply if you're a good customer. Otherwise, consider a transfer to a lower or zero interest rate and concentrate on paying it. If you can pay more than the minimums, write a seperate check and note it as "principal only." This will lower your principal with each month as the principal reduces. Hey, if you can make bi weekly payments, do it. Much like a home mortgage you can end up cutting the amount of time needed to pay the credit cards off. You will have to set a plan and stick to it. We can all come up with emergency needs for credit cards but what happened fifty years ago when there were no credit cards??? People still survived. You can too. You will pay those debts for years and years past the value you've gotten from your purchases. That $20 item you bought will end up costing more than $30 as you pay minimum payments. Stop it!!! You don't have to make double payments if you cannot... just another $5 or $10 from each payment will whittle down the balance and interest. |
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