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With the financial crisis hitting entire global economies, it is more important than ever to beware of your ever increasing load of debt and try and keep it at a manageable level. In these times, the pursuit of happiness and well being should not come at the cost of being so far in debt that three shovels and a bulldozer will barely scratch the surface. he key is to have money left over each month, so debt management is extremely important.
Mortgage and Rent
Everybody wants a nice place to live. However, your income level and what you are willing to pay will be a factor when actually choosing the appropriate place in which to reside. A point in fact is trying to keep your cost of mortgage/rent at no greater than 1/3 of your total net income. Net income being defined as your gross income minus taxes, health care, retirement contributions and the like, meaning the amount you actually put into the bank each month.
When applying for a mortgage, negotiate to get the best rate possible. Many factors will determine your rate but a key point is the greater your down payment is, usually the better rate you can receive. Location is a big factor and depending on your income, the best neighbourhoods might or might not be in your price range. Also keep in mind re-sell value. By choosing something a little less than perfect but which can be improved, can provide you a better place to live in the future.
Car expenses
Be practical. Don’t buy more car than you need. If you can afford to pay cash for a good quality used car, the expense of maintaining it and insurance cost will be far less than financing a new car. Try and keep your car expense at ¼ the price you pay for your mortgage/rent.
Credit Cards
This is the number one debt killer in the world today. If you have them, pay them off and quit using them. Keep one around for emergencies but pay cash for things you need and quit paying the bankers salaries just to have some toys.
Other Bills
Like everything in life these days, you must use caution on how you use your resources. Maintain your heating and cooling cost by using a thermostat, or turn everything off when you are not at home. Pay for only the phone, cable, and Internet services that you absolutely need and forget about all the fancy stuff.
Your main goal should be – to have money left over at the end of the month so that you can actually save or invest some of it. Using these steps will guide you on your way to debt management.
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