The most effective ways to get rid of debts forever.
The question of how to get out of debts remains relevant, especially in the era of the crisis. The reasons why you could be in the debt point, many. And not all of them depend on your behavior. For example, unexpected dismissal, salary reduction, illness, the death of a close relative. Yes, and the permanent increase in prices for goods and services leads to the need for constant loans. What to do?
We look around the enemy, that is, debts, in the face
As they say, it is not so terrible, like his little. Before starting to distribute debts, it should be clarified that, to whom and in what sizes you should. All data on their loans and debts from which you need to get rid of is preferably written in the form of a table. It can be, for example, such columns:
- The name of the creditor.
- Basic loan size.
- Interest rate.
- Overpayment.
- Monthly payment size.
- The term when you need to give a debt (if a credit is the date of the next payment and the total duration of the loan).
- Notes.
It is better to leave the last graph wide, since in it you will mark all the events related to the loan, for example, "the deferment is granted", "to give urgent" or "repay first." More convenient to compose such a sign first on paper, and then transferred to Excel.
Next, you need to make an analysis of the work done. In principle, when you order your debts, it will become clear how many months you pay and how much time this situation will continue. You will also see the most expensive loans (with a high interest rate) and loans with the biggest overpayment (the rate on them may be less, but at the expense of a long credit period overpayment will be more). What exactly to repay loans to repay - let's talk later.
Make a calendar of payments
The next step is to make a calendar of payments. You can mark the date of payment in any wall calendar or spread the special sign. The latter is convenient, since in addition to loans to the table, you can make any other mandatory spending - the rent, for example, as well as revenues - salary, advance, etc.
In the end, you will see what days you have incomes, which are obligatory payments, how they are grouped, whether you have enough funds to repay many payments for the same week. Now you can plan. For example, the salary is accrued at the beginning of the month, to pay loans - in the middle and end. You will be able to postpone the desired amount in advance.
It is especially convenient to use a sign when you have a lot of payments. Then you definitely do not confuse and do not count the date of the next fee on forgetfulness.
We understand with current debts
If, in terms of loans, the situation is so deplorable, which, and the size of the fines has long exceeded the payment itself, the collectors spend the night in the entrance, and relatives refuse to let for lunch, until you pay debt, then you should deal with the situation how to get out of debts with minimal losses.
The best solution will be - openly admitted in its financial insolvency and negotiate with creditors. If you occupied friends and relatives, you can agree on the write-off of interest and installments. If a lot of loans, then you can ask for a delay banks or refinance.
But do not relax as soon as credit bonds slightly weaken. This is not time to silent money. Free funds need to be allowed to early return debts. For example, you have three loans of 10, 5 and 4 thousand rubles, and net income (i.e. free money) - 17 thousand. You agreed to defer a second loan by 5 thousand rubles for a period of six months. Your payment was not 19, but 14 thousand rubles. The released 3 thousand needs to be put on the early repayment of one of the loans or postpone the special account for the formation of a financial pillow. But it is impossible to spend them.
If your debt is sold to collectors or banks accrued too many fines, it is better not to pay for these loans, but to apply to the court. Usually, judges "write off" all sorts of penalties, especially if they are not provided for by the contract. It is often possible to reduce the size of the monthly payment to a minimum by reducing the interest rate or increase the credit period.
We produce refinancing
If there are many payments and the percentage is large enough, it is necessary. There are several ways to carry out this:
- take part in a special creditor bank program;
- take part in the refinancing program of a third-party bank;
- alone to take a loan under a smaller percentage and repay the current debts with the funds received.
Since the borrower itself is a new loan at current debts, are unlikely to give, then usually the new is drawn up on relatives or a friend. It should be paid to the benefit - independent refinancing is beneficial if the total credit period does not increase, and the new rate will be more than 3 points below the existing one. In other words, if a loan is taken for 5 years under 33% per annum, and refinancing is made for the next year, its parameters must be as follows: a period of no more than 4 years, the rate is not more than 30% per annum. Otherwise, you will have to overpay interest again.
Of course, if the situation is critical, and the amount of monthly payments is too large, then any way to reduce the financial burden. Up to the point that to ask the Bank to increase credit period - the overall overpayment will increase, but the monthly payment will decrease.
By the way, in the course of refinancing, you can try to transfer the date of payment. It is more convenient to pay all loans in one day and try to get income just to this deadline.
Optimally produce refinancing according to a special program. Then it will be possible, and the overpayment will be minimal. In "His" a bank to get approval for the operation is much easier.
Make up the loan repayment plan
The next step is determined with the debt repayment strategy. The most optimal will be such three schemes:
First repaid the biggest loan, then - the second largest, then - the third, etc. The method is good because the amount of payments are reduced monthly, free money is released. Disadvantage: I'll have to wait quite a long time until the first loan is paid.
Minor debts are repaid first, then - the largest. The method is good because the minor loans to "close" are easier, and the borrower itself grows a sense of satisfaction from reducing the number of payments. Disadvantage: The final overpayment will be higher.
First, the most expensive loans are quenched (i.e., with the highest interest rate), regardless of their size. This method is the most optimal, if we proceed from the cost savings. Disadvantage: The most expensive loan may be the largest, and the size of monthly payments will not be reduced quickly.
All loans are extinguished evenly. For example, a monthly contributed to 1-2 thousand over the amount of payment. Advantages: systematic reduction in payments. Disadvantage: every time you have to execute early repayment and overpay on possible commissions.
What method is more convenient - it remains at the discretion of the borrower. The main thing is to develop a convenient strategy and not retreat from it.
Stop increasing debts
Take a loan to give another loan - vicious practice (if, of course, refinancing is not performed). Therefore, you need to immediately refuse loans and credit cards. If there are debts on "banknotes" - they need to be quenched primarily, regardless of the size of other loans. Maps are the most disadvantageous tariffs, and overpay them is just huge. Get rid of debt to the bank better immediately.
Of course, you need to stop paying in stores with credit cards. Only or, at worst, cash.
Reducing expenses
If you decide to get out of debts, you will have to learn how to save. Here are some ideas, on which you can save:
Disconnect all unnecessary payments. For example, if you do not listen to the radio, then dismantle the radio. Do not pay for the cable if you turn on the TV once a month. Disconnect the mobile bank if you get salary once a month - you will also produce all operations through the Internet.
Change tariffs for more profitable. Take time, find out if there may be more favorable fares on the phone, Internet and cable. Sometimes it is possible to participate in special programs for the holidays.
Make a list of mandatory monthly spending (All-all, right up to rent and pay a kindergarten child) and think where you can save. For example, if you refuel 2,000 rubles each month, is it not more profitable to buy a transport card for 500 rubles and use the bus? Maybe not so comfortable, but cheaper. Or try to translate the child from the paid section to free if it does not affect the quality of its education.
Save water and electricityNo matter how banal it sounds. Turn off excess light, electrical appliances, reduce water when cleaning your teeth. Of course, there is no significant money to save, but even 500 rubles per month will not be superfluous - you will find what to spend them. If you can have the opportunity, go to the two-timer counter and force household techniques to work at night - for example, a washing machine.
Refrain from unnecessary shopping. Go to the store only with the list of products - it will save from random acquisitions. Plan immediately that you will prepare for a week. Optimally, allocate the weekly budget "on the food" and not exceed it.
Love sales. This applies to buying and products, and clothing, and household goods. Acquire immediately more than you need - in order not to overpay next time. But do not go beyond the budget!
Place the map with the cache bet and the accrual of interest on the residue. Purchase only from it. This will make it a penny in the family budget.
An effective way to get out of debts - increasing income.
If the savings do not give a substantial profit, then only increasing income will get out of debts. The main ways are:
Request salary increases. Directly - enter the boss and ask for an increase - it is unlikely. But you can take an additional number of hours, increase the load, execute more functions. In the extreme case, you can get a 1.5 bets.
Find part-time job. It may be the second work on the Polish or in the night shift. It is possible to work on the weekend.
If the above methods are severe or unreal, then get freelance. On the Internet there is quite a lot of work for all specialties. Special demand is used by the services of remote authors of texts (copywriters), artists and designers, programmers, accountants. If there is no ability to such activities, you can find for yourself and physical work: "Husband for an hour", a taxi driver, repair, etc. - There are special exchanges where such services are offered.
Invest. Of course, money requires money to receive income from investment. And if there are many debts, then there is no free money. Nevertheless, you can start with a small one. For example, to postpone 2-3 thousand per monthly deposit, and 1-2 - into risky capital. It is important for you to learn the principles of investment, and not just earn.
Open your mini-business. This can be anything - website on the Internet, an online store based on a group in social networks, reflexion, network marketing, baking cakes at home, sewing, burning ... The main thing is to start and survive the first year.
Sell \u200b\u200bextra things. Do you have old coins? And the collection of brands? Decorations? Maybe you have a whole bunch of clothes that you do not wear, or books that you do not read? Try to sell it - through local newspapers or sites like Avito. Received by means do not scatter, but quench the loans ahead.
Hint to friends and relatives that the best gift - This is money, and that you will be happy with cash receipts more than things.
Subscribe tax deductions. If you have taken a mortgage, the property deduction or deduct on interest on the loan. In fact, you will return 13% of all last year's income - namely, the tax on the income of individuals paid to the treasury. This is a lot. With a salary of 20 thousand rubles, this is about 35 thousand rubles.
Get all possible benefits and get the DC. For example, if the total family's income is below the subsistence minimum per inhabitant of the apartment, then you can get compensation for rent. If the family is more familiar, it contains a whole range of social support measures - from free travel to children by bus to the regional Matkapal.
In debt repayment, the main thing is to follow the developed strategy, do not waste money and carefully keep records of finance. But it does not say that it is impossible to indulge yourself from time to time. Sometimes you can afford to "shut" into the restaurant or update the phone case. Just follow the "left" spending to be too big, and do not go beyond the monthly budget. And, of course, spend only earned, and not credit money.
