How can someone stay far away from debts? You must have a plan, and if you can’t, find a coach or a financial adviser, and get a good money management plan.
First, you must eradicate bad habits:
1.Don’t spend more than you earn even if it seems difficult, it is the best way to stay away from debt for good. That is why you need to get more money, otherwise this point alone will be very difficult to apply.
2.When you have any debt, try to clear it right away. Another reason to get more money.
3.Write everything (Computer or Paper). You must keep a record of all your debt with you, and know what is going on in your account on a daily basis.
4.Give your card to your husband(or to your wife or mother -)
5.Stay away from gambling (not for everyone).
6.Don’t accumulate debts months after months.
It seems very easy, but people just fail to follow this simple plan, and the consequences are often painful… Divorce, foreclosures, bankruptcy…
So you must:
==> Change your habits
==> Choose an action plan
==> Write down this plan
==> Stay away of your credit...
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