Loans are offered to us at every step. That's great! Now you can buy yourself whatever you want, despite a small salary. But there is one "but" - sooner or later you will have to pay for everything.
Instructions
Step 1
Before taking out a loan, calculate how much you will have to pay off each month and how much will remain for life. This balance should be sufficient for necessary expenses and unforeseen situations.
Step 2
Don't be fooled. When signing a contract, carefully check every letter and number. If something is not clear to you, ask for clarification.
Step 3
Give up the competition for the coolest phone / smartphone / laptop / car with friends, colleagues and neighbors. This is a very dangerous game! If you want to make a purchase just because someone is cooler, stop. Understand that this "victory" can turn out to be a huge debt for you.
Step 4
Take a break before buying another loan. Tell the sales assistant that you need to think about it or refer to the fact that you forgot your documents and go outside. In a relaxed environment, ask yourself the following questions:
- Do I need this thing?
-What for?
-Can I save up for it and buy it later?
- Do I have enough money for monthly payments and other expenses?
If there is no conflict, return to the store.
Step 5
Try to leave your credit card at home and live a month using your cash paycheck. It won't be easy at first, but by the end of the month you will be surprised that you still have enough money. In the second month of the experiment, you not only will not go into negative territory, but you will also be able to postpone something. This method works 100%. And the "trick" is that you start spending money responsibly and avoid unnecessary purchases.
