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Tips On Controlling Debt


1. Plan Your Budget

It is very important to make sure you have an accurate record of both your sources of income and your regular expenses. This means making a list of everything from rent to your daily newspaper. What is expendable? Take a look at what you remove from the list and what you can reduce.

2. Set Obtainable Goals

You'll be more inspired to pay off your debt, and to save, if you have a clear picture of what you are working towards. Write everything down and start with the smaller, more obtainable goals; this will inspire you to keep going.

3. Avoid Impulse Spending

Before you make a purchase, think about if you really need it or is it just a ‘want'. You will be surprised at how much can save if you are just a little more disciplined about your spending.