7 Effective Ways to a Happy Life Without Debt
Appropriate solution to reduce the risk of unnecessary debt .
Are you currently runs only your monthly salary to pay debts ? Of course it is not fun . Therefore , in order to live happily with no debt , often you need to cut your expenses . Indeed , it was not fun . However , so you do not run out of money every month for unnecessary spending , it seems cut monthly expenses should be done . Without realizing it , if you want a little change your gaya hidup by following a few tutorial , you can reduce the risk of unnecessary debt . In the end , you could be happy because not a great debt all your life .
1. Stay with your Parents , if possible
Maybe it's not fun if we 've grown , but still living with their parents . However , it is probably the best solution than if you have to pay the rent contract or dormitory every month that reach millions of dollars . Indeed , independent living can make you feel more cuma-cuma , but this time the cost to hire a place to stay , especially in large cities , it is not cheap . The cost to hire a place to stay usually is enough to make you lose so many of your monthly income . Now , by living with a parent , you can allocate your money for other needs , or even pay off your debt .
2. Cycling to office
Although less popular , biking to work can be the best solution for your savings , especially if the location of residence and the office is not far away . Indeed , it was not too comfortable while biking to work , and not cool . However , cycling also has a positive side because we do not need to think about the annual tax our vehicles , and the cost to buy gasoline . In big cities like Jakarta , when congestion occurs , go to the office to ride a bicycle is often faster than when we are riding a motorcycle or car .
3. Cooking Cuisine Yourself and Avoid Alcohol
One quick way to get food is to buy it at a restaurant or restaurant . However , we should spend the money to buy food often is not any less. Take for example , if you spend money Rupiah 30 thousand - Rupiah 40 thousand in one meal , and you eat 3 times a day , then you have to spend Rupiah 630 thousand - Rupiah 840 thousand per week , or in other words , you spend money Rupiah 2.5 million - Rupiah 3.36 million per month just to eat . With the cooking itself on the weekend , you can reduce your expenses each month by a significant amount .
In addition , do not let you get stuck with the influence of alcohol . Besides forbidden by religion , especially for those who are Muslim , and make your health declines , alcohol can make you addicted and automatically make you pay extra just for drinks . So , stay away from alcohol as much as possible from your life .
4. Do not use a credit card
Kredit cards make us can shop with ease . That is the advantage of a kredit kartu can not be denied . However , many people can not limit their spending while holding kredit kartu . Finally , they have to spend a lot of money to pay the kredit kartu bill the following month . Do you want to feel it too ?
By leaving a kredit kartu , you can put the brakes on your shopping appetite while lowering monthly expenses .
5. Sell Your Car
Cars are one of the means to show that you have reached financial success . By buying a car , you can be more confident because of your status in the eyes of colleagues and the environment will be higher . However , it is not cuma-cuma enjoyment . Cars can be a medium to spend your money , especially if the car is no financial advantage for you . Imagine , you have to buy fuel on a regular basis , and have to pay for insurance , taxes and maintenance costs car certainly is not small .
The solution , you can use cheaper means of transportation , such as motorcycles , public transport , or BIKE .
6. Try to limit your daily expenses
Can you survive with Rupiah 50 thousand per day ? Perhaps it was heavy for those who are accustomed to spend hundreds of thousands every day . However , these petunjuk could not hurt to try. Try to stick with a biaya of Rupiah 50 thousand for a week . Are you able to survive ? By limiting your daily expenses , without realizing it you will understand where items need to be purchased and which do not need to be purchased .
7. Take a tour to a local
Holidays abroad , such as a holiday to Singapore or to Europe , could be a perfect holiday destination . However , why do you have to spend tens of millions of dollars to holiday abroad if in Indonesia are still many exotic natural attractions that have never visited ? You can visit local attractions beautiful and calm your mind there . Moreover , there are many tourist places in Indonesia that beauty is no less than in Europe or the tourist attractions in Singapore . This is a better alternative , and of course , cheaper .
Well , 7 panduan above are a few ways you can do to save money , and make you able to live happily with no debt . You do not need to do all of the above panduan , practice that some panduan that you can do . Hopefully the above panduan can help you be gratis from the shackles of debt from your life .
