subject: 3 Approaches To Managing Your Debt Problems [print this page] When financial problems spiral out of control, managing debt problems can seem impossible. However, with some planning, persistence, and a commitment to doing whatever it takes to get out of debt, many people can manage or even solve debt problems. There are three broad approaches people can take to get out of debt:
#1 Reduce expenses: When you sit down and figure out what you absolutely need to live, you'll likely be surprised at how much money you will have left over at the end of the month. Reducing expenses to manage debt problems means eliminating whatever is not absolutely essential it could involve cancelling a gym membership or even selling a car or home. Obviously, for this to be an effective strategy, all that extra money should be placed toward the debt.
#2 Increase income: Ideally, you should do #1 and #2 together. Finding a way to increase what you take home on a monthly basis can help you manage debt since that extra cash can be put towards your credit card or loan balances. Asking for extra hours at work, selling some things you don't need, or finding a way to make money during your time off can all help you earn a little extra that will help you better manage your debt.
#3 Get help: Sometimes, people have such severe debts that it's unlikely they will ever be able to pay them off. In this case, individuals might want to seek out help and consider debt settlement or even bankruptcy. Working on your behalf, financial professionals can help get the amount you owe reduced, help get your interest rates lowered, or guide you through the bankruptcy process. Settlement and bankruptcy will both have a negative impact on your credit report and your credit score, however, so these approaches to managing debt problems should only be considered as a last resort.
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