-Those who have been stuck in debts.

- Those who are entangled in a pile of loans, and cannot get out of them !

- Those whose salaries are almost completely spent on repayment of loans.

We offer a simple algorithm to relieve credit dependence.

Step one

Set your mind on a serious work.

Credit dependency is neither a fraud of the bank nor a curse of the heavens. Credit

dependency is a mistake made by you. You have not calculated your strengths and have taken

too many credits.

Confess honestly to yourself that this is your mistake. But if there is a mistake, there is also its

solution.

Simple way: Effective way: And if you follow it, you can repay all your credits. This is not about

the magic wand. It is necessary to calm down and put in order your finances. Get ready to work

hard on your life. Follow the suggestions.

Step two

No more loans

Until you put order your finances and pay off your debts, do not borrow new loans. Otherwise, it

will turn out that with one hand you solve the problem, and with the other aggravate it. "Freeze"

the current debt. Do not increase debts.

Step three

Start Saving!

Saving does not mean to eat only bread and water. Saving means the wise use of money.

First, get rid of bad habits. It makes sense to get rid of "foppish" habits. For example, order a

pizza every day. Dear friends, homemade food is much cheaper. The third reserve for savings

is to avoid entertainment. Paying money to others to help you kill your time is inadmissible

luxury, if not stupidity.

Everyone has his reserves for savings. I encourage you not to become miser, but I encourage

you to be prudent. Otherwise, you will pay your debts until your old age.

Step four

Start earning more money

Find another source of income. Do not look for additional jobs with a few tens of thousands of

salaries. If you suddenly find it, it will be great. However, in general, you should be interested in

any opportunity to earn extra money. Obviously, the current salary is not enough to repay debts.

Therefore, do not miss any opportunity to earn money.

Step five

Focus on one loan

Choose one of all your loans. It is desirable, the most expensive, with the highest percentage. If

your most expensive loan is a mortgage loan or some other "massive" loan, then choose a

smaller one. Focus your attention on this loan. Pay on it ahead of schedule. But first, find out

whether the bank allows to repay the loan ahead of schedule. This fact is stated in the loan

agreement. If you cannot pay it ahead of schedule, focus on another loan.

Due to savings and additional earnings, you will have extra money. Pay this extra mony for the

selected loan ahead of time. For all other loans, pay minimum fees. Pay as much as you can for

a selected loan.

Step six

Repay for the mentioned loan ahead of schedule and select the next one.

If you get rid of one credit, you will reduce the amount of monthly mandatory payments. You will

have more money to pay. Now choose the next loan for early repayment. The criteria are the

same. It should be the most expensive of the rest and have the option of early repayment.

Concentrate all your financial efforts on it. For other loans, continue to pay the minimum

allowable fees.

Step seven

We gradually repay all loans.

The less credit you have, the faster they will be repaid. Reduction of debts also decreases the

size of monthly interest rates, which also facilitates the financial burden..

Gradually repay all loans with the proposed scheme. Every succeeding loan will be easier to

repay.

Do not waste your financial resources. And do not take new loans until you have repaid all the

loans you have.

For the future

Loans by themselves do not hurt and are safe. Problems begin when you take too many loans.

There is a simple rule of how to determine the maximum credit load. Take loans so the total

monthly payment for all loans does not exceed half of your monthly income. If you pay more,

then problems will arise.

And, of course, the loan should be used wisely or do not take them without any urgent need.

And, in general, do not accumulate them.

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