The availability of loans not only helps to find the long-awaited things, but also generates debt. Some people are unable to properly plan their budget and pay off loan arrears on time.
It is necessary
- - money;
- - bank card.
Instructions
Step 1
Think about the reasons for your debt. In order to pay off debt on time, it is important to understand why you fall into such debt traps.
Step 2
Be careful with credit cards. Their availability and the seeming ease of getting your money back can lead you to a dead end. Choose cards with a grace period for crediting. For example, when a loan can be repaid within a month without interest. Of course, it's best to avoid these traps altogether.
Step 3
Stop asserting yourself with loans. Instead of looking “on a level” in front of other people, you, on the contrary, compromise yourself, showing that you cannot live in moderation and peace, but without debt.
Step 4
Get any personal finance textbook and learn the basics of family budgeting. Unfortunately, in many families, children are not taught to save, save, and spend proportionately. Schools also lack such an important discipline as financial literacy. Therefore, many people from childhood have no idea how to manage money.
Step 5
Pay off your loan debt by depositing cash at the bank's cash desk. This is perhaps the easiest way for the payer. However, keep in mind that some banks are trying to make money on this payment method by charging additional commissions, which must be stipulated in the loan agreement.
Step 6
Make a postal order. The main thing here is to send the payment in advance, given that it will take at least three days to reach the receiving bank. In addition, be prepared for the fact that you will have to stand in line at the post office.
Step 7
Use a bank card and pay the debt through an ATM or a special terminal. When concluding a loan agreement, many banks offer a fairly convenient way to return credit funds - an instant bank card, which ensures immediate crediting of money to the account.
Step 8
Get rid of debt through the electronic payment system. To do this, first connect to a special banking service. You can make payments at a convenient time for you, without leaving your home. With this option of paying off the loan debt, most often the commission is not charged. The main thing is not to forget to replenish your bank card on time.
Step 9
Try not to create financial problems for yourself and your loved ones. Do not borrow money unless there is an urgent need to do so. Get out of debt as quickly as possible.
