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Debt help
10 Tips to avoid falling in Debt
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[QUOTE="raaman, post: 320635, member: 23419"] [JUSTIFY][SIZE=5]10 Tips to avoid falling in Debt. 1. Maintain a monthly budget: Create a budget every month and a plan for your monthly spending as carefully as you can follow it. 2. Limit unnecessary spending: Spend your hard earned money only on the necessities of daily life. 3. Avoid making any unnecessary purchases while shopping. 4. Maintain a spending record: To understand where and how your money is going, keep track of everything you spend money on during a month. 5. Regularly save: Invest a percentage of your monthly salary in savings. 6. Pay your monthly utility bills like electricity, telephone, etc., on time to avoid late fees and interest charges, which will only add up and raise your debt. 7. Smart credit use: Use credit cards only for unexpected costs or for things you can make in advance and pay for the same in full each month. 8. Spend less than you earn: Limit your monthly spending and prevent unnecessary and extra expenditure. 9. Don't take more debt than you can actually handle: Don't take on loans or other types of advances that you can't afford to pay back. 10. Consult a financial advisor or a non-profit credit counselling organization if you need any assistance in managing your finance. [/SIZE][/JUSTIFY] [/QUOTE]
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