11 things to do when you are BURIED IN DEBT

1. Assess your debt: Take stock of your debts, including amounts owed and interest rates.

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2. Create a budget: Develop a realistic budget to track your income and expenses.

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3. Cut unnecessary expenses: Identify non-essential spending and reduce or eliminate it.

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4. Increase income: Explore ways to boost your income, such as taking on a side job or freelance work.

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5. Prioritize debt repayment: Focus on paying off high-interest debts first to save money in the long run.

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6. Negotiate with creditors: Contact your creditors to discuss repayment options or negotiate lower interest rates.

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7. Consolidate debts: Consider consolidating multiple debts into a single loan with lower interest rates.

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8. Seek professional help: Consult a financial advisor or credit counselor for guidance and debt management strategies.

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9. Build an emergency fund: Start saving a small amount regularly for unexpected expenses to avoid adding more debt.

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10. Seek additional sources of assistance: Research government programs or local organizations that offer debt relief or financial assistance.

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11. Stay motivated and persistent: Overcoming debt takes time, so stay committed to your repayment plan and celebrate small victories along the way.

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