How much debt you owe if you know these six!

1.) Stop incurring additional debt

* * This is the most important

If you know that you have an overdebt now, you have to stop! Keep your credit card for use only when you really need it. Even swiping to pay is forbidden!!!

"Stop digging new holes if you can't climb out of old holes."

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2.) Enumerate all debts they own.

Collect all the debts available. Explain the details clearly. Write down. Who is the creditor? How much interest? How much is the minimum payment?

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3.) Plan to pay debts

Once we figure out what debt is available, let's start sequencing the debt...

"High interest → low" or "small peak → large"

Now let's plan which one we can pay first, or if we can't, what debt we can do next.

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4.) Looking for supplementary income

Now we know that our income is not enough to pay off the debt, so now we need to look for extra income, whether selling online, getting free lances, or doing OT.

Recite it. More revenue = lost debt.

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5.) Ask for help when needed

The debt that we can't really pay may have to contact the bank for debt restructuring or contact the financial advisory agency, the longer the interest lasts, the more the interest blooms, the more you need to deal with it, call the bank, consult the staff.

No escape!

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6.) Adjust spending habits

Have to resume the behavior of using your money

Separate "cravings" from "necessities."

Every baht saved is money that is immediately debted.

We can always start over.

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