5 Ways to Avoid Going Back into Debt

Sep 9, 2020 | Lifestyle | 0 comments

Finally clearing your debt is one of the best feelings in the world. The last thing you want to do is get snowed under again. If you’re worried you might fall back into the same old habits, then there are a few simple things you can do to avoid going back into debt. It might be time to reevaluate your income and outgoings, put away some emergency funds, and get professional support. Here are five ways to avoid going back into debt.

Get Rid Of Unnecessary Credit Cards

Credit card debt affects a large percentage of society. The problem is you’re essentially spending money you don’t have. If you have credit cards you don’t use, perhaps it’s time to get rid of them. If you have credit card debt still piling up, you could try looking into Debt to Success System (DTSS). Is DTSS legit? I believe so. It’s known to be one of the best ways of getting out of debt, so you’ll never have to worry about it again. 

Have A Spend Free Weekend

One simple way to get out of debt is to simply spend less. This might not be as it sounds, however. Look for free or cheap activities you can do in your spare time, instead of spending money. These could involve eating and drinking at home with friends rather than out or take a weekend off to do free activities or even chores. The money you save from a spend-free weekend you can put back into your budget for the following week. That way, you’ll start to get used to spending less and get satisfaction from it.

Reevaluate Your Budget

If you’re just finding it too hard to stick to, then it might be time to reevaluate your budget. You must have been doing something right if you’ve managed to get out of debt once before. Look into where you cut corners before when you were paying off your debt, and find out where you’ve started spending again. To help you, here are some of the best budgeting apps in 2020. You might need to think about downsizing or making some lifestyle changes to avoid going into debt again.

Save Emergency Funds

It’s a good idea to always have a safety buffer for emergencies. It’s common nowadays, especially for younger people, to live without savings because they simply don’t see a way to save more money. Try to save a little each month, and factor this into your budget. Keep a certain amount of savings for emergencies only. That way if you need to pay a bill or something unexpected, you can. Here is a guide to saving money.

Earn More Money

It sounds pretty obvious, but if you aren’t able to live within your means then you might either need to spend less or earn more. There are several side hustle ideas online you can try to make some extra cash. Otherwise, it might be time to think about how you can kickstart your career.


– a contributed post

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