The most effective ways getting rid of debts forever.

The question of how to get out of debt remains relevant, especially in times of crisis. There are many reasons why you could end up in debt. And not all of them depend on your behavior. For example, unexpected dismissal, salary reduction, illness, death of a close relative. And the constant rise in prices for goods and services leads to the need for constant borrowing. What to do?

Let's look the enemy, that is, debts, in the face

As they say, the devil is not as scary as he is painted. Before you start distributing debts, you should clarify what, to whom and in what amount you owe. It is advisable to write down all the data about your loans and debts that you need to get rid of in the form of a table. It may contain, for example, the following columns:

1. Lender's name.
2. Basic loan amount.
3. Interest rate.
4. Amount of overpayment.
5. Monthly payment amount.
6. The period when the debt must be repaid (if a loan, then the date of the next payment and the total duration of the loan).
7. Notes

It is better to leave the last column wide, since in it you will mark all events related to the loan, for example, “Delay granted,” “Repay urgently,” or “Repay first.” It is most convenient to compile such a table first on paper and then transfer it to Excel.

Next, you need to analyze the work performed. In principle, when you organize your debts, it will become clear exactly how much you pay per month and how long this situation will continue. You will also see the most expensive loans (with a high interest rate) and loans with the largest overpayment (their rate may be lower, but due to the long loan period the overpayment will be higher). We’ll talk about what strategy to repay loans later.

We create a payment calendar

The next step is to create a payment calendar. You can mark payment dates on any wall calendar or draw a special sign. The latter is convenient, since in addition to loans, you can enter into the table any other obligatory expenses - rent, for example, as well as income - salary, advance payment, etc.

As a result, you will see on which days you have income, on which mandatory payments, how they are grouped, and whether you have enough funds to pay off many payments in one week. Now you can plan. For example, salaries are calculated at the beginning of the month, while loans are paid in the middle and at the end. You will be able to set aside the required amount in advance.

It is especially convenient to use the sign when you have many payments. Then you will definitely not get confused and will not miss the date of the next payment due to forgetfulness.

We deal with current debts

If, in terms of loans, the situation is so deplorable that, and the amount of fines has long exceeded the payment itself, collectors spend the night at your entrance, and relatives refuse to let you in for dinner until you pay off the debt, then you should figure out the situation, how to get out of debt with minimal losses.

The best solution would be to openly admit your financial insolvency and negotiate with creditors. If you borrowed from friends and relatives, you can agree to write off interest and pay in installments. If there are a lot of loans, you can ask banks for a deferment or refinance.

But you shouldn’t relax as soon as the credit ties loosen a little. This is not the time to waste money. The freed funds should be used for early repayment of debts. For example, you have three loans of 10, 5 and 4 thousand rubles, and your net income (i.e. free money) is 17 thousand. You agreed to defer the second loan of 5 thousand rubles for a period of six months. Your payment became not 19, but 14 thousand rubles. The freed 3 thousand should be used for early repayment of one of the loans or put aside in a special account to form a financial cushion. But you can't spend them.

If your debt is sold to collectors or banks have assessed too many fines, then it is better not to pay on these loans for now, but to go to court. Usually judges “write off” all sorts of penalties, especially if they are not provided for in the contract. It is often possible to reduce the monthly payment to a minimum by lowering the interest rate or increasing the loan term.

We carry out refinancing

If there are a lot of payments and the interest on them is high enough, then it is necessary. There are several ways to do this:

• take part in a special program of the creditor bank;
• take part in a third-party bank’s refinancing program;
• take out a loan on your own at a lower interest rate and pay off current debts with the funds received.

Since the borrower himself is unlikely to be given a new loan with current debts, a new one is usually issued to a relative or friend. You should calculate the benefits - independent refinancing is beneficial if the total loan term does not increase, and the new rate will be more than 3 points lower than the current one. In other words, if a loan is taken out for 5 years at 33% per annum, and refinancing is carried out the next year, then its parameters should be as follows: term - no more than 4 years, rate - no more than 30% per annum. Otherwise you will have to pay interest again.

Of course, if the situation is critical and the monthly payments are too high, then any way to reduce the financial burden is suitable. To the point of asking the bank to increase the loan term - the total overpayment will increase, but the monthly payment will decrease.

By the way, during refinancing you can try to postpone the payment date. It is more convenient to pay off all loans in one day and try to receive income just in time.

It is optimal to refinance using a special program. Then it will be possible, and the overpayment will be minimal. It is much easier to get approval for a transaction from “your” bank.

We draw up a loan repayment plan

The next step is to decide on a debt repayment strategy. The most optimal would be the following three schemes:

The largest loan is repaid first, then the second largest, then the third, etc. The good thing about this method is that the size of payments is reduced monthly, freeing up free money. Disadvantage: you will have to wait quite a long time until the first loan is paid off.

Small debts are paid off first, then the largest ones. The good thing about this method is that it is easier to “close” small loans, and the borrower himself has a growing sense of satisfaction from the reduction in the number of payments. Disadvantage: the final overpayment will be higher.

The most expensive loans are repaid first(i.e. with the highest interest rate) regardless of their size. This method is the most optimal, based on cost savings. Disadvantage: The most expensive loan may also be the largest, and the monthly payments will not decrease quickly enough.

All loans are repaid evenly. For example, 1-2 thousand are paid monthly in excess of the payment amount. Advantages: systematic reduction of payments. Disadvantage: each time you will have to make an early repayment and overpay on possible commissions.

Which method is more convenient is at the discretion of the borrower. The main thing is to develop a convenient strategy and not deviate from it.

Let's stop increasing debt

Taking out a loan to pay off another loan is a bad practice (unless, of course, refinancing is done). Therefore, you need to immediately refuse loans and credit cards. If you have credit card debts, they need to be repaid first, regardless of the size of other loans. The cards have the most unfavorable tariffs, and the overpayment on them is simply huge. It is better to get rid of debts to the bank immediately.

Of course, we need to stop paying in stores with credit cards. Only or, at worst, cash.

We cut costs

If you decide to get out of debt, you will have to learn to save. Here are some ideas on how you can save money:

Disable all unnecessary payments. For example, if you don’t listen to the radio, then dismantle the radio station. Don't pay for cable if you turn on the TV once a month. Turn off mobile banking if you receive a salary once a month - you will still perform all transactions via the Internet.

Change your tariffs to more favorable ones. Take the time to find out if there may be better tariffs for telephone, Internet and cable. Sometimes you can take part in special programs for the holidays.

Make a list of required monthly expenses(everything, right down to rent and payment kindergarten child) and think about where you can save money. For example, if you fill up for 2,000 rubles a month, wouldn’t it be more profitable to buy a transport card for 500 rubles and use the bus? Maybe not as convenient, but cheaper. Or try to transfer your child from a paid section to a free one, if the quality of his education does not suffer.

Save water and electricity, no matter how trivial it may sound. Turn off unnecessary lights and electrical appliances, and turn off the water when brushing your teeth. Of course, you won’t save significant money, but even 500 rubles a month won’t be superfluous - you’ll find something to spend it on. If possible, switch to a two-tariff meter and force household appliances work at night - for example, a washing machine.

Refrain from unnecessary purchases. Go to the store only with a list of products - this will protect you from accidental purchases. Plan right away what you will cook during the week. It is optimal to generally allocate a weekly budget “for food” and not exceed it.

Love the sales. This applies to the purchase of food, clothing, and household goods. Buy more than you need at once so that you don’t overpay next time. But don't go over budget!

Get a card with cash back and interest on the balance. Make purchases only from it. This will contribute a pretty penny to the family budget.

An effective way to get out of debt is to increase your income.

If saving does not provide a significant profit, then only an increase in income will help you get out of debt. The main methods are:

Demand a salary increase. Going directly to your boss and asking for a raise is unlikely to work. But you can take on additional hours, increase the workload, and perform more functions. As a last resort, you can settle for 1.5 bets.

Find a part-time job. This could be a second part-time or night shift job. You can also work on weekends.

If the above methods are difficult or unrealistic, then take up freelancing. There is quite a lot of work on the Internet for all specialties. The services of remote text authors (copywriters), artists and designers, programmers, and accountants are in particular demand. If you don’t have the ability for such activities, then you can find something for yourself physical work: “husband for an hour”, taxi driver, repairs, etc. - there are special exchanges where such services are offered.

Invest. Of course, it takes money to generate income from investments. And if there are a lot of debts, then there is no free money. However, you can start small. For example, put aside 2-3 thousand monthly for a deposit, and 1-2 thousand - in risk capital. It is important for you to learn the principles of investing, not just how to make money.

Open your own mini-business. It could be anything - a website on the Internet, an online store based on a group on a social network, referrals, network marketing, baking cakes at home, sewing, burning... The main thing here is to start and survive the first year.

Sell ​​extra items. Do you have old coins? What about the stamp collection? Decorations? Maybe you have a whole bunch of clothes you don't wear or books you don't read? Try selling it through local newspapers or websites like Avito. Do not waste the funds received, but pay off your loans ahead of schedule.

This morning I woke up in a bad mood. I tried to remember if I had inadvertently had a bad dream. Apparently not. I haven't even looked at my news feed yet. in social networks, because it seemed like nothing should have upset me so much, as soon as I opened my eyes. However, almost on a physical level I felt an attack of blues and despondency, and life seemed gray and boring.

Have you ever experienced this? Some people refer to this as life's yin and yang, like natural mood swings. However, a bad mood in the morning threatens to catastrophically ruin the whole day.

So, a few tips that will help you get out of despondency and “heal” your mood.

Ask yourself the following questions:

1. What pleasant thing happened to me this morning, and I liked it?
Even the little things are important! This morning I especially appreciated the perfectly turned out coffee with a piece of dark chocolate. And in the morning I received a letter of praise from the client. Already great!

2. What household items do I value most and why?
I like my books, my favorite chair at my desk and the painting hanging above my bed. Look around and enjoy your favorite items.

3. What do I like most about my own appearance?
Good hair? Height? Well-groomed skin? Find the positives in yourself.

4. What are your activities and plans? Lately Are they going well or even better than expected?
Did you cope with a difficult interview? Did you find the strength to have a difficult conversation with your boss? Are you doing well in the gym? And again: pay attention even to successful little things! Happy life is a series of small and pleasant moments.

Complete the following sentences:

5. I'm grateful that I'm healthy enough to...
Travel? Exercise? Start your own small business?

6. I may not be rich, but I have enough money to...
Order your favorite food? Go visit a friend in another city? Buy your favorite item?

7. I appreciate every day for...
Kiss your other half. Possibility to walk the dog. Go for an evening jog in the park. Pay attention to all this: we sometimes take such small joys for granted.

8. The best things in life are free, including...
Unconditional love from my dog. The power of happy memories. My partner's sense of humor. A picturesque park across the street from the house. What comes to your mind?

9. I appreciate that tomorrow I will be able...
Drink coffee at your desk? Call your parents? Should I wear a new jacket? Walk to work on a sunny morning?

10. I appreciate that I have had the courage in life to...
This is a great place where you can write a lot. Start a business? Move to this city? Learn to speak in front of a large audience? Give up bad habits? Quit a high-paying but stressful job? End a toxic relationship? Write about your life honestly and openly. Be yourself!

What happens when you finish these sentences and ask yourself these questions? Most likely, this will significantly invigorate you, and you will perk up. Happiness can mean acceptance and enjoyment of life right now, in this very moment.

The little things really matter. Therefore, immediately begin to “treat” your own mood.

Text: Marina Pavlova |

In Russian off-road conditions, it’s easy to get stuck in a car. This situation is not at all exceptional, so every driver should know how to get out of the mud in a car. The condition of the roads in our country is already far from ideal, and with the advent of the off-season, an increasing number of drivers are asking the question: how to get their car out of the mud.

HOW TO AVOID

If you can prevent the situation in advance, you won’t have to think about how to get your car out of the mud. Therefore, the driver must carefully monitor the road and try to avoid areas where the car may get stuck. Of course, a detour is not always possible. In this case, in order not to get stuck, it is necessary to overcome the dangerous area at a constant speed. To avoid getting stuck, you must avoid sudden acceleration and braking. Other preventative measures include the driver’s habit of always keeping tools in the car that will allow them to get out of the mud. These primarily include: a shovel, towing equipment, a jack and several blocks.

HOW TO GET OUT

To successfully get out of the mud in a car, first of all, you need to soberly assess the situation. Trying to squeeze the maximum out of the engine, you can not only get stuck even more, but also break the engine itself. If the car is stuck, and there is someone else in it besides the driver, you need to evaluate whether they should leave the car, or whether, on the contrary, their additional weight improves the quality of traction of the wheels with the surface. Next, you need to align the wheels. If the car is stuck and you have a shovel at hand, you need to clear the surface around the wheels as much as possible, and place some hard objects or dense layers of soil under the wheels themselves. After these procedures, you can get into the car and try to get out of the mud along a cleared path. Another way to get your car out of the mud on your own is to try to rock it. This technique is known to most drivers, and consists of alternately moving the car forward and backward. However, it is better if you have the opportunity to use outside help in order to get your car out of the mud. Perhaps there are people nearby who will help push the car out of the mud. But it’s even better if it is possible to use another car as a tow. Ideally, you can use a more powerful car as a tow vehicle. In addition to the tug itself, you will need a cable of the required strength and length. There should be no problems with this, since any good driver always keeps such a cable in the car. In order to successfully get a car out of the mud when towing, the actions of both cars must be coordinated. Another way to get your car out of the mud is to use a winch. To do this, you need to have a winch directly suitable for the weight of the car that is stuck and an object that can be used as an anchor.

As in most similar situations, there are several ways to get your car out of the mud. It all depends on the skills and abilities of the driver.

Controlling expenses is not an easy task, especially when you have several loans on hand. There are often cases when a person, due to his own indifference, drives himself into a financial trap from which he can no longer get out. It turns life into a series of endless calls from debt collectors, debt payment reminders and constant loan payments.

Step-by-step instructions from Platiza will tell you how to get out of the debt hole and start the path to financial freedom.

Remember what prompted you to take out loans and at what stage it became difficult for you to make payments on time. What would you do then to improve the situation?

Reason #1. Borrowers allow delays due to unforeseen circumstances that require financial investments and lack of free money in a critical situation.

Reason #2. Living beyond your means. A person spends more than he earns, unable to deny himself pleasures. Today he does not deny himself anything, and tomorrow he receives overdue loans.

You can live a happy life if you have loans if you follow the 50/20/30 distribution rule for income and expenses. Read more about him.

2. Calculate the total amount of debt

You can do this in several ways:

Write down on paper how much money you owe in total. This way you can see the full picture of your financial situation and draw conclusions.

Download mobile app. With the help of special applications, you can keep track of all your debts. You can contact them at any time, and the notification system will warn you about the approaching payment date.

Mobile applications for debt accounting:

• “Repay your debt” from Alfa Bank
• "Debt accounting"
• "Debtors"

3. Don’t get into conflict with debt collectors

Having a delay is stressful in itself. Communicating with collectors and bank representatives in a raised voice causes a blow to your psyche and does not relieve you of debt. Agree on payment dates and demonstrate your intent to repay the debt. If you pay off your debt according to the established plan, collectors will not bother you again.

Refinancing allows you to combine several loans into one. This is convenient because one loan is easier to control than several. When refinancing, banks are ready to offer a lower interest rate on the loan. Contact a banking specialist for advice and he will offer you options for refinancing your debt.

5. Build savings

When you close the loans, you will break even and you will have no free money. At this moment, there is a high risk of taking out a new loan. If you have previously saved money, then there will be no need for a loan.

You will form a good saving habit. You will always have free money and there will be no need to borrow. The most important thing is that you will have confidence in the future.

6. Increase your income

The higher the income, the easier it is to repay debts. Several ways to start earning more:

Ask your employer for a salary increase. Show him your performance, back up your words with numbers. If the employer values ​​you, he will reward your work.

Consider changing jobs. Use the services of the popular job site hh.ru. Perhaps there are companies on the market that are willing to pay more for your work.

Find extra work. In bad financial situation allow yourself to work more than usual. Take a weekend or second shift job. Temporary difficulties will make you stronger, and after getting rid of loans, you will be able to return to a measured rhythm of life.

7. Do not trust the services of “Anti-collection agencies”

In emergency situations, the mind turns off, and the person is ready to pay for any solution to the problem. Fraudsters know this and actively take advantage of it. They promise to get rid of credit, write off fines and even clean up your credit history. But this is impossible. The debt will always remain with you, and there is no escape from it until you return the money. Instead of paying for a miracle that obviously will not happen, it is better to use this money to pay off the loan and solve the problem on your own.

Platiza advises its clients to take a responsible approach to applying for a loan. We are against debt overload of the population. Before you take out a loan, consider whether you can repay the loan on time.

Have you ever encountered situations when you needed to repay several loans at the same time? How did you deal with them? Share your tips in the comments to the article.