Loans offer us every step of the way. That's great! Now you can buy yourself anything you want, despite the low salary. But there is one “but” - sooner or later you will have to pay for everything.
Instruction manual
one
Before you take out a loan, calculate how much you will have to pay each month and how much will remain for life. This balance should be sufficient for necessary expenses and unforeseen situations.
2
Do not be fooled. When signing the contract, carefully check each letter and number. If something is not clear to you, seek clarification.
3
Refuse the competition on the coolest phone / smartphone / laptop / car with friends, colleagues and neighbors. This is a very dangerous game! If you want to make a purchase just because "someone's cooler", stop. Understand that this “victory” can turn into a huge debt for you.
4
Take a break before your next purchase on credit. Tell the sales assistant what you need to think about or refer to the fact that you have forgotten the documents, and go outside. In a relaxed atmosphere, answer the following questions:
- Do I need this thing?
-What for?
-Can I save up for it and buy later?
- Do I have enough money for monthly payments and other expenses?
If there is no conflict, return to the store.
5
Try to leave a credit card at home and live a month using your cash salary. At first it will not be easy, but you will be surprised by the end of the month that you still had enough money. In the second month of the experiment, you will not only not go “minus”, but also be able to postpone something. This method works 100%. And the "trick" is that you start to spend money responsibly and avoid unnecessary purchases.