信用卡債務： 5種方式開掘自己
街道 |
您怎麼停止開掘深入債務？
美國人運載很多債務，并且架置債務增長是容易的。 有時，它比您能支付它快速地增長，并且那可以非常緊張的。
這幫助您的五個神火的戰略幫助自己：
1. 給自己`時光』。
父母知道「時間」慣例。 您能做同樣與您信用卡。 等待48個小時的誓願在您之前買任何東西。 如果您必須仍然有它在48個小時，則買它-與現金。 沒有現金？ 不要買它。
2. 停止使用您的信用卡。
是，這是明顯一個。 如果您是常常傾斜入您的信用卡，這可以是堅韌的。
居於的有些方式食用去的冷的火雞：
實際上，這可以是$50或$25統治。 當您去商店為其他時，比X數額不要決定自己花費更多。
言您去商店買一件新的襯衣為工作。 您估計一件新的襯衣將花費您$40。 不要留給商店增加由一另外$100決定的任何另外的購買(或$50或者$25)。 在您去購物之前，設置您的消費目標數額。 不要改變這個幻數。
這鑰匙： 那是$100 (或$50或者$25)您不花費現金。 我們假設您決定聽規則2。 這個規則幫助保留您的現金流動流動-，因此您一額外$25， $50或者$100投入往您的信用卡付款。
4. 刪除您的曲奇餅!
更喜歡網上購物的那些人(一次，當您購買，另一蜂聲，當您得到項目)…刪除兩次稱心您的瀏覽器曲奇餅! 這些「有用的」曲奇餅記住您的信用卡數字。 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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