Posts by Chauncey Garduno:
There are numerous ways to find yourself in debt. You might borrow money from credit unions or get loans to fund your children’s education, buy a house or car using loans, or go overboard in credit card spending. The amount you owe might be intimidating, but a solid debt management plan can help you budget to pay your balances down.
Even if you only have a little bit of debt, you still need to manage your debt. You need to make sure that even if you just have a little debt, you have to keep up your payments and make sure it doesn’t get out of control. On the other hand, you have to put more effort into paying off your debt while juggling payments on the debts you’re not currently paying when you have a large amount of debt.
One simple yet effective way to manage debt is to create a spending plan for the month. Having a plan and living frugally will help you cut your expenses. You’ll notice how much you can save by cooking more and eating out less, holding off on travel, cutting out cable TV and even downsizing your home if you have the flexibility to move.
Frugal living is not easy. However, it doesn’t mean that you will not have fun. Managing debt can be boring but it doesn’t have to be boring. You just have to be creative and find ways to enjoy life but spending less.
Does your salary not matching the cost of living in your area? Or does it leave you enough money at the end of the month to pay your student, car or house loans? If your salary is not enough, it’s time to look for ways to increase your income. But if you’re unfortunate you can’t find extra income, perhaps what you need is debt consolidation.
Debt consolidation is helpful and sometimes tempting. However, it is not for everyone. Check out this article to know if you can use this strategy to manage your debt: https://www.perthnow.com.au/lifestyle/personal-finance/understand-the-financial-traps-before-consolidating-your-debts-ng-b9b5356f722ac19fdba774d795fff692
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