信用卡债务： 5种方式开掘自己
街道 |
您怎么停止开掘深入债务？
美国人运载很多债务，并且架置债务增长是容易的。 有时，它比您能支付它快速地增长，并且那可以非常紧张的。
这帮助您的五个神火的战略帮助自己：
1. 给自己`时光’。
父母知道“时间”惯例。 您能做同样与您信用卡。 等待48个小时的誓愿在您之前买任何东西。 如果您必须仍然有它在48个小时，则买它-与现金。 没有现金？ 不要买它。
2. 停止使用您的信用卡。
是，这是明显一个。 如果您是常常倾斜入您的信用卡，这可以是坚韧的。
居于的有些方式食用去的冷的火鸡：
实际上，这可以是$50或$25统治。 当您去商店为其他时，比X数额不要决定自己花费更多。
言您去商店买一件新的衬衣为工作。 您估计一件新的衬衣将花费您$40。 不要留给商店增加由一另外$100决定的任何另外的购买(或$50或者$25)。 在您去购物之前，设置您的消费目标数额。 不要改变这个幻数。
这钥匙： 那是$100 (或$50或者$25)您不花费现金。 我们假设您决定听规则2。 这个规则帮助保留您的现金流动流动-，因此您一额外$25， $50或者$100投入往您的信用卡付款。
4. 删除您的曲奇饼!
更喜欢网上购物的那些人(一次，当您购买，另一蜂声，当您得到项目)…删除两次称心您的浏览器曲奇饼! 这些“有用的”曲奇饼记住您的信用卡数字。 Delete them so you must dig out your credit card in order to purchase something (after your 48-hour time-out rule is observed, of course).
To delete cookies using the Firefox browser, go to Tools > Clear Private Data… > check “cookies” and hit the “clear personal data” button. Browsers such as Internet Explorer and Mac Safari offer similar solutions.
5. Count to five.
If you can’t seem to wait 48 hours (and that should tell you something!), at least count to five. Tick off five good reasons why you must purchase this item. Hint: the reason “because I don’t have cash” is not acceptable. Count to five with all your cash purchases, too.
Ask yourself whether you can get the item used, for free, or cheaper elsewhere. Also try asking yourself whether you’ll still want and use the item five weeks, five months or five years from now.
Simply put: Look carefully at every purchase. You cannot dig yourself out of debt without curbing your spending habits.
Have Your Say: Credit Card Debt: 5 Ways to Dig Yourself Out
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This entry was posted on Wednesday, August 13th, 2008 at 10:50 pm and is filed under Contributions & Guests . You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.
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