Debt between the rich and the poor have different characteristics: 1) The Rich owes to buy productive assets or property, while the debt to accumulate assets miskinber consumption, 2) the rich pay the debt mamakai income from productive assets (passive income) while the poor to pay the debt of its income (active income). Due to the strict management of debt, your life will be much more secure and comfortable, and able to invest for the future. Here are some tips you need to know to manage debt:
1. Payable only for unexpected needs and can not be postponed, for example a family member is sick or school purposes.
2. Debt to purchase productive assets and their value continues to increase, such as houses, land and gold. Try not owe it to buy mobile phones, shoes, electrical appliances, clothes, bags and accessories for body and home furniture. Because these items have a tendency to decline in value.
3. Debt limit is 30% of your income.
4. Pay your debts on time and pay attention to / trim administrative and documentation associated with the debt.
5. Do not cover the debt owed by another (closed hole dug holes). Unless you have taken into account properly all the excess and the fees charged.
6. You owe the order should be prioritized in the order starting from the safest, namely: spouse, parent, sibling, friend, pawn shops, banks, leasing and loan sharks. But if you need money and you are not comfortable to borrow money, sell assets sebainya sacrifice and you are still valuable (eg gold), than you borrow from a few places that will charge very high interest rates and hurt you.
1. Payable only for unexpected needs and can not be postponed, for example a family member is sick or school purposes.
2. Debt to purchase productive assets and their value continues to increase, such as houses, land and gold. Try not owe it to buy mobile phones, shoes, electrical appliances, clothes, bags and accessories for body and home furniture. Because these items have a tendency to decline in value.
3. Debt limit is 30% of your income.
4. Pay your debts on time and pay attention to / trim administrative and documentation associated with the debt.
5. Do not cover the debt owed by another (closed hole dug holes). Unless you have taken into account properly all the excess and the fees charged.
6. You owe the order should be prioritized in the order starting from the safest, namely: spouse, parent, sibling, friend, pawn shops, banks, leasing and loan sharks. But if you need money and you are not comfortable to borrow money, sell assets sebainya sacrifice and you are still valuable (eg gold), than you borrow from a few places that will charge very high interest rates and hurt you.
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