10 reasons why we always have debt

Not long ago I met some interesting information in the press. Regardless of Statistics million borrowers who are waiting for their turn to loans, a variety of facilities offered by the bank's attention. According to a survey conducted by 123 different titles of credit with 16 banks in Iran, and that apart from interest-free funds and banking cooperatives that operate in isolation. Considering that the request is not for release and requires that the terms of loans, such as loans, credit repair old cars to be added, it comes on the vast majority of the population, according to the needs of the bank loans are involved. However, the subjective impression of the debtor often negative, bad and good, but in fact it is totally depending on individual circumstances can be analyzed and a situation in which it is caught.

 

Perhaps the earliest and most obvious reason is owed to the lack of savings. You do not have to start saving up your debt is gone, the cost of recovering your child's education, you have paid your house or car installments and total waiting time is right for you, saving and saving a little into the habit of day convert. Having a small saving not only increases your motivation to save, but also makes for some unforeseen expenses, debt and loans do not.

What is described in this article does address the causes of the public debt or the reasons why people have less savings:

1. You generally buy things they do not need

Keep in mind that shopping centers are places for leisure and entertainment and in fact, when no application outing among brands and offers splendid shopping malls pay, likely to buy unnecessary items the debtor. Earlier guidelines on how to avoid unnecessary purchases in the story as we planned our minds to stop unnecessary purchases (in both the + and + ) release.

2. purchase more of your cash today

Although speak more on your credit cards than cash buyers who purchase existing that normally such a situation for buyers in Iran are often, but buy Czech is not unlike the method of purchase. When your account balance is not enough, but on account of the increase of Czech unsure of your purchase to be postponed until conditions are met.

3. The customer's particular brand are marking news

Follow fashion, but certain brands and even obsession for some people has become a hobby. When you lower fees Wear polymers that can protect you from the cold or with the glasses cost less sure that your eyes from sun rays keep paying exorbitant prices and no plans for a specific brand of non-rational It seams.

4. Buy a house and car as usual in the lives of today's two heavy spending, are seeking diversity

If your old machine still works and can use it as a means of transport, if your home is suitable and comfortable environment for you and your family may be able to make changes instead of spending unnecessary money for better movement of capital investment and prevent the debt.

 

Buy or rent larger causes some costs, such as maintenance and charging h building and even buy new furniture to fill larger spaces will be added to your cost. Similarly upkeep of your current car is certainly an expensive car. Keep in mind that even if you do not have to change totally changed the problem, buy a new furnish your home even a vase desktop can also be mood to change.

 

5. spend your money buying items that you can easily rent or borrow

Certainly does not have all the storage you have a 20-inch chainsaw it only because it needed to have a day or so dishes in the kitchen shelves that can afford a party 200 to let (something that rarely happens in today's world). Rentals of dishes and ceremonial centers can easily come at this time to help you. Recognize what to buy and what to borrow or rent, depending on different people but certainly an option to consider before you buy.

6. The price of your purchase

Of course, to buy something like clothing or furniture can not be done in bulk but to buy necessities such as washes or even food consumption with high durability can go to stores and major shops and major purchases of discounts not special.

7. You do not have a clear plan for their income

You may have been caused by an increase in revenue despite his imagination, have found a larger debt. With any amount of money, you pay for previous debts, savings, investment and necessary purchases you need to plan and budget. To start a free software just as personal accounting peaches or Gnucash on your mobile phone or tablet.

 

 Financial management is not part of the inner man and it should be taught. So how financial planning expert help or in this case study.

8. Lost your savings and investments

In the introduction, a brief explanation was made about the importance of saving. Next offer small investments and low risk. For your money you an opportunity rather than constrain inflation loses its value, but could be more valuable in the long run.

9. You live with someone prodigal

Well, if you like the prodigal roommate or spouse, although the opposition leader will be difficult, but you can manage the cost of home to Him. Perhaps the financial responsibility will cause some unnecessary expenditures to be eliminated from your life.

10. illusion you get rich overnight

If you know someone in your family who has been unhappy tickets and a large sum of money in one night, it is necessary to know the probability of such a chance for each person is not only a tenth of a percent, so much on these rich, account a.

 

Please remember that debt can be erased or re-create avoided and this requires a bit of effort, planning and learning. We all want to have a comfortable life and happiness, so the quality and value of your life to others' expectations of you and not pin material objects.