How to be debt-free…
Managing money is most encouraging if you have money. What’s the point of managing your money if don’t have any right? Wrong. In order to be able to manage your money, you have to start making it first. How? Lots of ways. You have read my postings on penny-pinching, you certainly read my entries on how you should take control of your finances.
One of the hindrances that people face that also extends to discouragement in taking care of their finances is the burden of debt. Using your money wisely earlier in your life gives you a better chance of staying in the course of making your money work for you and stop you from working for money. If you do not practice discipline and force yourself to tighten your belts and spend only on what’s necessary, you may face dire circumstances later. If you are in debt now, you should obtain debt help from organizations that offer them. If you find yourself in the red month after month after month and using your credit card to fill the gap – you may be in serious trouble.
I remember my friend’s mom every time he would ask his mom for money, would always tell my buddy – if you can’t pay, don’t play. She was trying to teach him that spending money that you don’t have is not a good way to start your life. But if you think that it’s to late because you are already buried in debt, debt help is available everywhere. Get your courage up, and admit that you need help. Once you get there, it is easier to surrender all and start paying off your debt. Believe me, there is not a greater feeling than to be debt-free. And when you get the shot of confidence, I’m sure you will work to change your situation for the better.
If you can’t pay – don’t play.
naku–salamat talaga sa payo mo chuva..isa kang mapagpalang nilalang… pero sa hirap ng buhay ngayon ay talagang kakaunti na lang ang mga nilalang na walang kautangan….. kahit nga itong community ko ay thousands of dollars ang utang sa banks ehh….ay hirap mabuhay…