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10 Simple Ways to Crush Your Debt Faster
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[QUOTE="Mellorando, post: 206033, member: 37973"] When you’re in debt, it can be easy to pretend everything is fine. Until one day it catches up with you. Yes debt is dumb. Real dumb. And the only way to get rid of it is by facing it head on. As much as you’d rather bury your head in the sand and pretend it’s not there, it only stays “hidden” for so long. So, if you’re wondering how to get out of debt, below are different ways I can come up with to get out of debt easily: 1. Create (or update) your budget: If you’ve never created a budget, now is the time. Write down all your expenses: everything from your mortgage payment (or rent) to student loans. Don’t forget to include lines for gas and food. Then write down how much you earn each month. Deduct your total expenses from your income and the leftover cash can go towards debt. Your budget isn’t set in stone; you can update it as often as necessary. If you get a raise at work, you can make adjustments to your budget as you see fit. It should just always be your reference point to stay on track.If you need help, you can use tools like Mint or You Need a Budget. A spreadsheet is also a simple and easy method to managing a budget. 2. Cut your spending: If you’re not finding any extra cash in your budget, you might need to make adjustments. For instance, if you give yourself $80 a week for eating out, you might want to cut it to, say, $50 a week — and eat at home more. Then you can put those extra savings towards your outstanding debt. 3. Review your monthly bills and subscriptions: Review your monthly subscriptions for things you might not need (and might not be using) like video streaming services you could go in on with a friend or family member instead. See if you can bundle similar things, like car and home insurance or internet and cable or find ways to cut them out completely. Also go over your internet, insurance, and cable bills — sometimes it helps to call your provider to see if there are any new discounts to take advantage of that will help you shrink your monthly bill. [/QUOTE]
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10 Simple Ways to Crush Your Debt Faster
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