Do not borrow moreSince that time already further into debt is not - do not take any loans in the bank or in a store. Do not buy in installments - even 0%. The end. Any
such loan will cause that in the next month, you'll have even more
installments to be paid, and that they want to get rid of yet.If you can not buy anything without borrowing, it means you do not have the money. At least not at the moment. People well managing your money do not buy on credit - unless there is a major expenditure, such as a house. Besides paying cash for everything, and if you do not have it - do not buy and wait until uzbierają.Do not use credit cardsFrom now on, do not use credit cards. Sam you know that credit cards allow you to spend money even if they do not already. Credit card works in much the same way as a loan. Do not convince you that at the end of the month you will pay, and pay off the card. If you will use the payment to pay off credit cards, now you do not and once again you will have to use it. You'll
just chased around, still not having money, and eventually run out and
start to pay off the card and pay the administrative penalties. Maybe you have even so.Since
then pay only in cash (not coming from the card), or ATM card - from an
account that does not have established an overdraft. If you do not have an account, then you can afford it - bailiffs powers.Credit cards operate on the debtors as a trap. This is one of the most devious ways in which the bank pulls your money. Top cut up all the cards and discard them. Only when you go out of debt and learn to keep savings in your account, you may be thinking about re-possession credit card. Until then better stay away from them.People managing their finances well only use a credit card if you already have your account set aside money for the repayment. You now so you do not have, so you should not use it.
Do not use the overdraft on the accountOverdraft works like a credit card and even worse, because you do not have to pay it back. The Bank will charge you interest on all the time - just like on loans. Count yourself how much you spend on interest per month, or year. Who knows, maybe even a few hundred dollars, or more.When you learn to manage your money, overdraft at all, you will not need - is one of the more expensive loans that you can borrow.If you manage to stop further borrow it's a big step. You do not drown. Now you need to learn how to swim. Defeat your bad habits, then you do not have to beat the bailiff.
