On 1 or 25 for most of us is a very dated we wait. Who would not be happy if we receive a salary? But for some of us, this date also makes us dizzy, the article of the bill began to arrive. Not to mention the prize thanks to tithe to the Lord.

For some people, this is exacerbated by the debt piled up like a mountain.

Dilemma arises when our income is not enough to pay the entire debt burden us ... even sometimes just to pay the minimum payment. Well if so how dong. Thus, this article will discuss how to overcome the debt that is wrapped around us.

Often in our minds up ...

Pay now or later?

Do not pay the debt is one way to entertain themselves while burying ourselves in our financial death. Very unreasonable if we vacation, or just with the luxury of paying the minimum payments for life. The term cool enjoy now, pay forever ... he he he ... because the facts show that our debt will be paid off over thirty years if we pay the minimum monthly installment.

So how to get around as well kill our debts?

1. Make a list of all our debts
Create a list of all of our debt. List of debt must be sorted from the largest to the smallest. Do not forget to include the interest rate applicable to each of each debt.

2. Prioritize payment
Pay the smallest debt first. Pay off so it does not become a further burden for us. While the minimum pay for a larger debt. If smaller debts can be resolved proceed to greater debt. We also can settle debts with high interest first, and low interest. Experts also recommend us to pay at least twice the minimum payment so that our debt will be completed in less than three years.

3. Do not settle debt with more debt
In other words, do not open a credit card debt settlement debt to the past even with the lure of free balance transfer. (Unless free transfer was followed by free interest. This must be done with the advice of experts).

Believe me, complete the hole by digging a hole will make us more dizzy.

4. Close (card) unused credit
If you have completed your debts, we must take firm steps to close unnecessary credit cards. Besides saving expenditure annual fee credit card shut certainly will reduce our temptation to excessive spending.

5. Musiumkan or freeze our credit cards at home
Sometimes we are not able to resist the temptation mega bazaar sale, discount and rebate very interesting us to actively shopping. But on the other hand, sometimes we still really need a credit card (for auto payment for example) it is better if the card is in the closet memusiumkan us alone.

Freeze the card in the fridge is also a good idea because the melting time will give us time to think again whenever we are tempted to buy goods.

6. Cut your credit card
If we do not succeed curb our willingness to shopping it is better to cut our credit card. High-interest debt like cancer. Cut cancer is painful but it will make us more healthy finances.

7. Do not owe anymore
Finally Tuhanpun confused and would cry if we remain ignorant and repeat our mistake, despite being reminded. Kala forget our debt to debt paid off again. Pay every bill on time.

Good luck and hopefully your debt quickly resolved !!!