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How to avoid being on too much debt.
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[QUOTE="Ayuba Ernest, post: 255831, member: 70169"] No one wants to be in debt. It's a scary feeling, not knowing how you're going to make your next payment or when you'll be able to pay off your debt entirely. But being in debt doesn't have to be a lifelong sentence. There are steps you can take to avoid being in debt, or to get out of debt if you're already in it. Here are a few tips on how to avoid being in debt: - Make a budget and stick to it. This is probably the most important thing you can do to avoid being in debt. If you know how much money you have coming in and going out each month, you can make sure you're not spending more than you can afford. - Limit your use of credit cards. Credit cards can be helpful when used responsibly, but they can also be a quick way to get into debt. If you're using a credit card, try to pay it off in full each month so you're not paying interest on your purchases. - Shop around for the best deals. Don't just go with the first loan or credit card offer you get. Shop around and compare rates to make sure you're getting the best deal possible. - Pay your bills on time. This may seem like a no-brainer, but it's worth repeating. Late payments can lead to late fees and higher interest rates, which can make it harder to get out of debt. - Use cash instead of credit. Whenever possible, use cash instead of credit cards. This way, you'll only spend what you have and you won't have to worry about interest or late fees. [/QUOTE]
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