Some Steps to Get Free From Debt.

Some Steps to Get Free From Debt.
Life's problems are already difficult, especially when you see debts that make your head spin. Not to mention that because of debt someone can cost their own life, there are many impacts that can occur just because of debt.

If you want to pay off your debt, follow these five steps:

First, Acknowledge the Problem.
Where there is debt, it definitely starts with a problem. Because a family member is sick, they end up having to spend a lot of money on hospital fees. When children want to go to school, they end up having to spend a lot of money on school fees.

Or we often don't even realize it, we go into debt to support our lifestyle just to get Instagram likes.

To be able to find a solution, you also have to first realize that something is wrong, which is causing you to experience debt. Because as long as you don't want to admit that it was a mistake, you won't find a solution.

As long as you feel that people have to make a living like that, it's common to get into debt here and there and eventually it will become a habit and the habit of going into debt will eventually destroy your future as well as the future of your own family.

Don't make debt a habit if you don't want your life to be filled with anxiety.

Second, Calculating.
Remember, you also have to know clearly first, make a list and calculate what your debts are. Where are the debts, how much is the principal debt and also how much is the interest.

Also calculate all the cash flow, how much income you earn every month, how much you spend, including the assets you currently have, what valuables you have now and how much they are worth.

Because just as there are many paths to success, there will also be many paths to being debt free. Remember, write all the calculations on paper. because this is where you can see and from there you can determine a solution, what solution you can take to take the next step.

Third, let it go.
Because sincerity is the most important thing before doing anything. Because maybe there are several solutions that will be difficult for you to do.

Giving up the house you are currently leaving for sale, you have to accept all of that. Maybe some people say that now you finally know that you have debt, you also end up having to reduce your lifestyle.

If you are currently in debt because you bought this car because you wanted a luxurious style, but you realize that you actually can't afford to buy and pay for the car in installments, maybe you should let go of that car. Riding a motorbike is also okay.

Then what if I was poor, my friends bullied me, let it go. That's part of the consequences you have to accept, you have to be able to let go of that burden. It's okay to be poor now, it doesn't matter because it's better to pursue the future with simplicity than to be chased by debt and the future will only be a memory.

Fourth, ask for help.
Asking for help can be the right solution for paying off debts, but wait, that doesn't mean you ask other people for help to pay off your debts.

Remember your life is your responsibility, your debt is also your responsibility. But even so, that doesn't mean you shouldn't ask for or receive help.

But remember, asking for help isn't always a matter of money. There's no harm in looking for someone or a third party who can help you. Such as financial consultants or people who are involved in the debt.
Who knows, maybe it could help lighten your burden by creating a payment system that is more affordable or easier.

But remember, there is no debt too big that you can't solve it. Because of course you also have a great God who will help, assist you and open the way as long as you are also willing to carry out your obligations as a human being.

Fifth, Change Habits.
Try to think about where this debt actually comes from, it could be that your actions are wrong. Your wrong mindset or even wrong habits.

So don't let yourself go to the trouble of finding a solution to debt, but because you don't change old habits, you end up back in the same hole.

Let's try to change his habits into better habits. Remember, you don't need to be cool, knowing that not being cool can increase your debt.

Don't be embarrassed to look simple, but be embarrassed when you pretend to be rich. Actually, the formula is very simple, lifestyle must always be one level below ability.

So, if your abilities are only this much, don't let your lifestyle go too far, even higher than your abilities. So remember, if your abilities are like this, it means your life must be optimal, it must be one level below your abilities.

SoThose are five steps that can free you from debt. Hopefully this can be useful and also implemented. I pray that your debts can be paid off soon and you can live peacefully without debt.