Getting out of debt

Getting out of debt can be difficult especially if one has no manual.
I offer mine, which worked very well.

1 - To pay. Upon receipt of your salary, an input of money ... remove 10% that you put into an account. This account will be your foundation to your new financial life. Do not touch this sum, each month, will grow.

2 - Donner. As previously remove 10% of your salary to give to others. The principle is to give without expecting anything in return, or thanks or appreciation or smiles ... You have to give the universe will reward you five times.

3 - Do these accounts. It is to face. You'll discover your lifestyle. Make your accounts as accurately as possible. Calculate your exact cost by taking accounts of last year and enter the monthly expenses and see the total for each category ultimately, add and divide by 12. If your expenses exceed your gains, you will find categories to decline (eg communication).

4 - Do not be in debt. You can, overnight, to have no debts. For this, after your accounts accurately, you take another 20% of your salary and you pay all your creditors in proportion to the amounts due. You're no longer in debt but you are free because you pay your creditors and that changes everything in the eyes of others but especially to your eyes. You can go out and watch friends, family, banker ... with pride.

5 - Go see your creditors. Yes I invite you to travel to offer your creditors a repayment plan. Your banker, taxes, your friends and family to whom you owe money will be happy to finally see their money back in their box. Few are those who refuse and you should expect surprises.

6 - The account of the universe. Take a notebook and open an account where you receive everyday money from the universe € .100 on the first day, € 200 on the second day ... 3000 € the 30th day. You can buy what you want. For that you write a check (fictitious of course) with the prize, the recipient and the date and see it on your list of accounts. The only requirement is "not the debtor." You will discover the joy of being able to buy what you want and most discover that they often see little in our applications.

7 - bundle. Have your portfolio in a ticket of 50 € or 100 and stroll the streets looking at the windows, menus of restaurants but the windows and menus of big brands or famous and now you say you could, if you want, you offer this bag, scarf, this menu ... but you really need here and now?

The success of your financial recovery.