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How to Become Debt-Free - Part 1
How to Become Debt-Free - Part 1
Use cash for all your purchases and only buy your car and house on credit. Before you buy anything ask yourself 'do I really need this?' Don't just buy something because it's on sale.
Spend less than what you earn (at least 20% less).
Stop using credit cards to survive until the next paycheck. Don't ask for an advance on your salary to get through the month.
Save money for an emergency fund to avoid acquiring new debt with unexpected expenses.
Get educated on your usual monthly spending habits. Draw up your monthly budget before getting paid, to avoid buying unnecessary stuff on payday.
Don't get tempted into buying the latest gadgets. You don't have to buy the latest cellphone, game stereo, car, furniture, etc. every few months while your current items are still in good working order.
Have a realistic budget with some breathing room. It's no use putting your whole salary towards debt repayments and the emergency fund, with no extra cash for the occasional social/recreational activities. You are not supposed to remove yourself completely from society until you are debt-free.
Don't leave home on an empty stomach. You are bound to stop at a convenience store, where items can be 50% more than their normal price.
Always have regular food items stocked up at home. Items like bread, milk, eggs, meat, etc. are too expensive at stores other than supermarkets.
In my opinion a credit card should only be used to purchase something like airline tickets online, because you cannot pay for them otherwise. However, make sure you have the cash to buy it first, then return the full outstanding amount to your credit account as soon as you can. Watch UFC 127 BJ Penn vs. Jon Fitch ONline Free Live IN FULL VIDEO Natural Cures For All Maladies How To Get Out Of Debts And Control Expenses Are You Currently A Enthusiast Of Wholesale Inspired Jewelry Add Color To Your Wedding With Wedding Limousine Ny How To Have A Breathtaking Sydney Interior Design? Liposuction Australia - Incredible Aid In Weight Loss Objective Internships Crucial For Job Success The Fashion for Glow Stick Bracelets and Jewellery by:James Cameron Unicode Systems Private Limited Is The Global It-company Providing A Wide Range Of It-solutions Motorbike Theory Test Bring Autumn Art Alive With A Photo On Canvas Playstation 3 Is A Christmas Gift The Whole Family Can Enjoy