Who needs help with debt? It seems like I can’t ever get ahead of my finances. I keep getting behind, and some other expense comes up. Who’s sick of those dreaded credit card payments? Tired of being behind every month? Who’s ready to get ahead and take charge? Sometimes to help with debt, you need to consider a payday loan. Before you apply, think about it and make sure it makes financial sense.
Admit That You Need Help With Debt
All we have to do is understand one idea: KEEP THINGS SIMPLE!
Let’s take a look at our lifestyles and spending habits. Take out your bank statement for the past month and examine your expenses. Many times that will tell the story about what your priorities are. Then you can figure out what you need to weed out of your spending so that you can get ahead financially.
-Are you going to Starbucks every morning?
-Buying lunch and dinner every other night?
-Gas station charges for either driving excessively or a quick soda?
-What are you doing over the weekend? More food and drink?
-Are you shopping impulsively?
-Purchases on Ebay and online?
Figure Out Your Bad Habits
You need to know where your paycheck is going. It’s up to you to decide if you want to get serious about this debt and do something about it. Are you willing to change those nasty spending habits? To take charge of your finances will require discipline and hard work. Sometimes you feel overwhelmed but again, keep things simple. Please don’t buy it when you don’t have money. You don’t need much, and nobody is concerned if you have the latest gadget. Stretch yourself to stay on budget and within your means. You will be better off for it.
Four Simple Rules When You Need Help With Debt
When you’re ready, here are 4 simple rules to live by. This will help you with debt and help you avoid using those credit cards and even payday loans.
1) ONLY SPEND ON THINGS IF YOU NEED IT TODAY. Ask yourself, “Do I need this today? Can I wait until tomorrow?” If so, WAIT!
2) QUIT TRYING TO KEEP UP WITH THE JONESES! (Who are they anyway?) Do you need that status car? Are rims necessary? Can you delay getting the latest iPhone? Can you downgrade that calling plan with unlimited calls and texts? Are 1000 channels necessary on your cable bill plus Netflix plus Hulu and Disney+? Sell the extra TV or iPad that’s not used. You already have a pair of walking shoes, can you hold off buying another pair?
3) USE YOUR DEBIT CARD TO MAKE THOSE NEEDED PURCHASES. If you don’t have the money in your account, don’t make the purchase. We need to learn to budget and say NO to ourselves. Does anyone have saving funds anymore? One for Christmas, one for birthdays, one for vacations, etc. Do we continue to charge things that aren’t within our means? People are even charging phone bills and property taxes. We need to plan for these expenses, or we’ll be in big trouble!
4) DON’T GET OVERWHELMED! Start with one expense that you’d like to eliminate and go from there. Maybe pack your lunch for work this week. Maybe take your coffee to work instead of stopping at Starbucks. Perhaps go to the library instead of purchasing that New York Bestsellers book. Something. Just start somewhere. Take some action. And then, stick with it. You’re going to have to make sacrifices, and it’s going to hurt. Remember, you’re tough, so stick with it.
These are just basic suggestions. You can add to it. But if you’ve read this far, you have to do something. Start today. For a comprehensive website that has a wealth of information to help with your debt, check out this website It has information about credit cards, CDs, mortgages, retirement, taxes and so much more. There are many other online resources and benefits you might know about. The government has financial assistance that is special during this time, so read about that. It could put you ahead and help with debt as well. Keep your ears open to different conversations that might benefit you and your financial situation.