This is the reason why you always wound Debt

This is the reason why you always wound Debt

The only way that you can out of the circle of debt is to understand why you owe the very first time.

 A lot of evidence has shown that ...
 You will not be able to save even if the income / salary you up. You will not be able to save even if your car installment has been paid off. You will not be able to save even if your children have been able to finance his own. And even if you have the money a billion in your hands now, you will not be able to set aside one cent of money.

 How can that happen?
 Because you can only save if the save became an emotional habit. You can only save if you treat your money differently.
 So here are some things why you can wound with debt:

 1. You buy the goods that you need too.
 Stop buying goods by Kat to your heart! If you need to avoid going to the mall! Because mall is a source of personal debt. There is no reason spoil yourself by buying the goods actually wearing brands that you do not need.

 2. You use credit cards to buy goods that you can not afford to buy it for cash.
 If you can not buy for cash today, do not buy it! Rumusnya as simple as that.

 3. You think that the sign of a particular product indicates social status, 'ngetrend, style, etc.
 Cars bring you from one place to another. Wallet is the place to save money and your important correspondence. Sunglasses protect your eyes from the sun. T-shirt will keep you warm. If you always pay all costs for the products to social status, 'ngetrend or style, as compared with the function itself, you mean the problems.

 4. You buy a new car every few years.
 See my first point. Mobil work mengantarkan you from one place to another. If you buy a new car every few years even if your old car is still functioning very well, then you are working hard to impress something wrong with the person who ... and you, are in the process leading to kebangkrutan.

 5. You buy something you can actually borrow or rent.
 Poinnya is if you only ever use these things, why you do not borrow from your friends or menyewanya only? For example, I almost bought a double staircase that I just pergunakan 1-2 times a year, but I can borrow it from my parents.

 6. You pay the regular rate for all goods / services you purchased.
 You can save up to 10 million dollars per year if you just want to wait to buy goods and services and shop at outlets, outlets that provide discount.

 7. You have (or rent) a bigger house than you need.
 When you buy or rent a bigger house than you need, you mean to remove the money to pay the monthly cost is more expensive, higher maintenance costs and to purchase 'goods' to fill empty spaces.

 8. You do not have a financial plan.
 Do you assume that if you are waiting and looking for more money, but your finances will improve by itself? If you think like that then you are one big! Required making a serious budget plan to eliminate your debts and start building wealth. So start making budget plan now!

 9. You do not optimize your own capital.
 You should make your money making opportunity money back (leverage). Some of the capital you have, no matter how small, should be used for investment. If your capital is not his employee, then your money will lose value due to inflation factors.

 10. You married couples' oriented shopping.
 You will not be out of the circle of debt if you are married to someone who used to spend money that you produce. So please help these parts of your life to be responsible for finance, unless you want to live more weight in the future.

 11. You do not have equipped education policy on financial procedures.
 Financial knowledge is not insting carried since birth. You should just get the supply of education about financial procedures, either through the formal education or self-taught. If not, you will not be where-where, still in the circle of debt.

 12. You have a mental 'to get rich quick'.
 Only 0.01% of those who have wealth in a timely manner, for example heritage parents. The rest of 99.99%, wealth will not come immediately. So if you spend time and money making schemes "to get rich ', who happened to be taping your debt instead.

 13. You have a bad habit.
 Drunk-mabukan and gambling is a perfect example of the many bad habits, where you choose to change the short-term pleasure / second with a long-term misery, the debt and ketidaknyamanan.

 14. You waste a lot of spare time.
 They said "time is money", and I add here the time is more valuable than money. Time is the greatest thing in life. Lost money, can be searched again, but time does not tergantikan. So if you fail to set your time, then certainly you will fail to fix your money ... and you will fail in every aspect of your life. So focus your time and energy on important matters, forget the other.

 15. You do not take care of your health.
 Always keep your body and your mind stay healthy! Health problems will menguras your money and if this continues, then you will have already established long-term financial problems.
 Remember always that the debt can be avoided and removed. Only requires a little effort, education and Determinasi for all is possible. As I have to discuss, live modestly. Do not use money to impress others. Do not live with the assumption that wealth is always measured with the material. Manage your money wisely so your money does not fix.

(By Arswino Sonata on akuinginsukses.blogspot.com)