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Many people go through life without any sort lof financial planning and thought about saving.
They tend to spend impulsively and sometimes make huge decisions like buying a house or a expensive car at the spur of the movement, without suitable thought to the financial commitment it will need. Thus the result is debt, mortgages, car loans and mounting credit card bills.
The first step towards financial wellbeing is to get free of all debt that has been accumulated in the past, because by doing this not only can you wipe the slate clean and make a new beginning.Early srttlement of your debts will alos lead to huge savings in terms of the interest you are paying for your impulsive buys. But it is not easy.
If you are one of those people who spend whatever they earn, then first you have to make up your mind that you are going to curb spending come what may.For this you have to get your family on board too as this decision to cut back on the life style will affect them also.
Once you have done that you need to decide how much you are going to save each month from your salary to pay off those debts and then tailor your life around it.
Thats the way it has to be done.If you decide to save whatever is left after you have met all your expenses, then that will not work well.
Once the decision to be debt free despite major life style changes is made, then you can start by making a list of what you owe.Start with the biggest debt first, then make a list of the mininmum monthly payment you are making for that loan and also the interest rate you are paying.
By the end of it all you will have clear idea of where you stand.
It may be difficult at first but once you become debt free then you can
start planning for better future.
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