money debt

11 Habits Of People Without Debts

Being free of debts is excellent! People who are free of debt have a number of habits that allow them never to enter a debt hole. These habits are worthy of imitation.

1. They always pay attention to where the money goes.

When an account or bank report comes, instead of putting it in a long-forgotten heap on the table, they carefully consider it. They understand the importance of every little thing that is connected with their money.
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Because they pay attention to little things, they never have to spend money on fines, overdrafts or such monetary leaks as unclosed membership in the gym or subscribing to a magazine that you have long canceled.

Pay attention to detail is not so difficult. Just promise yourself to continue to open all reports and carefully review them.

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2. They spend less on life than they earn.

No matter how much they do: 50 thousand or 250, they live within their capabilities. Life within possibilities means that you understand the position that you occupy in this life and content yourself with what you already have. This provides the necessary funds for savings, investments and other goals that you are trying to achieve.
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3. They do not spend money to meet their mental needs.

Feeling of discontent, whether envy, jealousy, unhappiness, leads many people to the fact that they spend more. Living for less means also means not spending money on feeling better. If you are always concerned that others have something that you do not have, you know, this is the way to nowhere, because nothing will save you from this feeling.

Only through self-reflection and awareness of what is missing in your life can you stop dependence on this addiction.

4. They save money.

Start to postpone, even if it’s only $ 5 per month. Take into account every penny, and this will contribute to the fact that you will begin to enjoy the rewards that this account will bring.

5. They have self-control. They can say no to themselves and others.

You do not have to accept any invitation to go out into the light or buy every pair of shoes, like your girlfriend. Owning yourself and being able to say no is the key habit of every person who is free of debt.

6. They have a long-term plan.

When you clearly understand what you want, when you have plans, to remain “in a rut” is not so difficult. But, if not, you actually go with the flow and can not predict where it will lead you.
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7. Use cash. This is the very first and main habit.

It completely and cardinally changes your relationship with money.

Why all the money in the casino is transferred to plastic chips? In order to “separate” people with money. Nobody in their right mind will not lose all their money, unless they translate them into cold plastic. Realizing this, casinos also use chips to take off this emotional affection.
Credit and debit cards are the same. Use cash and notice the difference in your spending.

8. They want to learn.

Do not understand your taxes? Debt-free people receive information about taxes and make informed decisions.

Not sure if this or that investment strategy will work for your family? Debt-free people are ready to sit down and understand this issue with their consultant. They do not leave this work to others, they make their own decisions and are responsible for them.

9. They prevent the emergence of large expenditures.

They are looking for ways to cut their costs and save money. They are not ashamed to call their provider and conclude a better deal. They are looking for opportunities to save their money on an ongoing basis and do not miss their chance.

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10. They prefer life without the stress of life in constant stress.

All people who are now free of debts had their own culmination, the point of “boiling”, after which they came to such a life. They are tired of endless debts, creditors, constant phone calls, from fear, horror and stress, which gave rise to debts. They eliminated all anxieties and now can enjoy life on new conditions – comfort conditions.

11. They prefer the spiritual to the material.

When you get rid of debts, you have more time to enjoy relationships with people. Things are just things, and they will never replace spiritual emptiness.


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