Second: confess to your family quickly. In times of crisis, only your family can help you with all their strength. Instead of waiting until the day when the debt broke out in an all-round way, it is better to confess as soon as possible and negotiate countermeasures.
Third: Active negotiation: According to Article 70 of the Measures for the Supervision and Administration of Credit K, credit cards can be repaid in 60 installments at the longest. Net d can negotiate for relief, generally only negotiate for repayment of principal.
Fourth: increase income, which is the only way out. No matter how many schemes have no money, they are all empty talk. Step by step, there will always be a successful day.
Reasonable financial habits:
Habit 1: Record financial status.
If you can measure, you can understand, and if you can understand, you can change. Without continuous, organized and accurate records, financial planning is impossible. Therefore, at the beginning of financial planning, it is necessary to record your income and expenses in detail.
Habit 2: Clear values and economic goals.
Knowing one's own values can establish economic goals and make them clear, definite, true and feasible. Without a clear goal and direction, it is impossible to make a correct budget; If you don't have enough reasons to restrain yourself, you won't be able to achieve your desired goal in 2, 20 or even 40 years.
Habit 3: Know your income and expenses.
Few people know how their money is spent; I don't even know how much income I have. Without this basic information, it is difficult to make a budget and arrange the use of money reasonably; Can't figure out where to spend the money; You can't make reasonable changes in spending.
Habit 4: Make a budget and refer to its implementation.
Wealth does not mean how much you earn, but how much you still have. It sounds that the budget is not only boring and tedious, but also seems too artificial, but through the budget, you can find out where a lot of money goes in your daily expenses. In addition, a specific budget is very beneficial for us to achieve our financial goals.
The above six habits can help us start our own financial life. A good beginning is half the battle. Stick to it for a long time, and I believe you will also achieve your life goals!
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