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No one says they like being in debt but often times our mind comes up with reasons for justifying what we owe. This can happen when you owe on an auto title loan or any other type of debt. Sometimes it is not the lack of money that keeps us from paying our bills, but our own thoughts that prevent us from moving forward in becoming debt-free. Some of these mental barriers include:
1. "Debt isn't a big deal , everyone has it."
2. "I don't like to budget."
3. "I have/want to keep up with the Jones' ."
4. "I don't earn enough to put into savings."
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8. "It's not a priority to get out of debt."
9. "No one would understand what I am going through."
10. "It's too late to think I will have a good financial future."
If you are already feeling discouraged about what you owe, overwhelming thoughts can send you spiraling towards a mentality that won't ever [link widoczny dla zalogowanych] drive you to paying off your debt. Take #7 [link widoczny dla zalogowanych] for example. Feeling like you are not making progress can be discouraging. If you are making minimum payments, or even a little more, it can take sometime to show. Tracking you balance every month and feeling like your payments are not making much of a difference can be frustrating. But the fact is, if you don't track your progress, you will never see the dent you are making. Using online budgeting tools can help you track your balance and understand the impact you are making with your monthly [link widoczny dla zalogowanych] payments.
Select a tracking tool and prepare to focus on the end [link widoczny dla zalogowanych] result of becoming debt free in totality, not each individual debt. Start with the debt incurring the highest interest [link widoczny dla zalogowanych] rate to prevent that account from growing even faster than the others. If you have taken out an auto title loan for a large purchase or unexpected cost, be sure to put this at the top of your payoff list as the interest [link widoczny dla zalogowanych] and fees can plummet if not paid back quickly.
Automate your payments. Not only to have the discipline of paying, but to [link widoczny dla zalogowanych] prevent yourself from having the option to spend that money [link widoczny dla zalogowanych] on other things. Consider making bi-weekly payments as well on larger debt like home mortgages and student loans.
Call your lenders to see if they can offer you lower rates. Research federal programs that may be able to help you with specific types of debt. Most important? Don't accumulate any more debt! It may take some time to see the effects of your efforts, but don't worry….your hard work will pay off.
One [link widoczny dla zalogowanych] more suggestion; find a financial accountability partner. Having someone to call when you are tempted to make a purchase that isn't in your budget can help you walk away from the "un-budgeted for " splurge. Most times if you can walk away, you will most likely forget about the item you want to buy. Talk to your accountability partner and agree on a set amount in which you have to call first before you spend. It may be $25 or $100; whatever you think is [link widoczny dla zalogowanych] a responsible amount. When you are feeling the urge to spend, call that person instead of heading for the checkout counter. It could just save you from making a purchase you and your budget will regret.
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