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Lifestyle makes a person want to desire to buy many needs. Not infrequently we shop for items that are not really needed. Not just a matter of likes to shop. Wasteful lifestyles can also be likes to treat or provide assistance to others without taking into account the financial owned. As a result, the money goes out constantly until it is not uncommon for a person to be in debt to meet the needs that have become a lifestyle. Even more dangerous if the winding of debt you have to make you unable to sleep because thinking about the bill that keeps coming. Or even worse when the debt collector continues to terrorize you.

You can do anything with your lifestyle, but before you owe consider these 4 things:

1. Important?

Is it owed? If a need that requires extra money is not an urgent thing you should delay the fulfillment of these needs. Owe to things that are not too urgent will get you entangled in the habit of spending money in a waste. Often we get stuck with the thought "A little, it will not burden." We forget that debt is little by little, making the debt much larger and larger than we count. Accustomed to owing makes us take lightly small and little debt.

2 Payment priority scale

Set the priority scale of your debt payments. For example when you have two types of repayments, then you need to take into account the second repayment period of the installment. Another consideration is to take into account the installment period with your salary receipt schedule.

3 Adjust the ability to pay

Adjust the debt you have with your ability to pay. Create a 40:60 scheme. The debt you have should be no more than 40% of the revenue you have. When your debt exceeds 40% of revenue, you will have trouble organizing the residual income you have.

4 Record carefully

Write down your income and expenses in detail. Detailed financial records help you calculate carefully all the income you earn. From the financial records you can also see the expenses you have. You can see the inequality of income and expenditure.

Debt does often make someone work more diligently in order to pay it off. However, too many debt bills will make your life uneasy.
Restricting lifestyles and suppressing the desire to keep shopping, treating, or helping others beyond your means is what needs to be done.