The presence of debt burdens life, as if a large load must be dragged along with you day after day. True, if you take an organized approach to the issue of distributing debts, you can speed up this process several times and, finally, be free from obligations.
Instructions
Step 1
First of all, make it a rule to sum up the results for the reporting period on the movement of your funds. Let's say on the last day of each month, you calculate the amount of money that you managed to earn in thirty days, and divide it into several parts. Set aside the first half of the amount from yourself, and from the second you decide what needs to spend it on (for food, utilities, etc.). Yes, you will have to infringe on yourself in something and save somewhere. Put in front of you a list of the people you owe, and divide the amount into equal shares so that everyone will get it. If someone rushes you to repay the debt, then try to pay what is due to him first. It is important that on this day call each person on the list and report back for the past month - how much money you received, how you disposed of it and how much, part of the debt you intend to give him. Even if this amount is negligible, your friend will be pleased that you do not forget him, remember about the debt and gradually save up the required amount. Psychologically, he will relax after your call, and will not demand money from you in a short time.
Step 2
Borrowing money from a bank to distribute debts to friends is not the best option. This will prolong your financial dependence and, as a result, overpay more than required. The best thing to do is talk to each person who has lent you money and set the repayment date that suits you and him or her best. If your friend is ready to waste time, you can put your earned money for the reporting period in the bank for a percentage. Let the percentage be small, but still, there will be progress in the positive direction, rather than in the negative. And keeping money in a bank is safer.
Step 3
Take a part-time job if your basic salary is not enough to pay off your debts. You can earn extra money as a waiter, animator, merchandiser, courier, etc. You can always find a job if you want. The main thing is to imagine every day how you have already distributed all the debts, and a carefree life began. Thoughts are material, which means you need to think in a positive direction.
