What is your personal debt reduction method aside the debt snowball method? - page 2.

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Quote from: Uruhara on June 15, 2023, 08:49:24 PM

Indeed, sometimes people begin to realize the importance of avoiding loans and the importance of always having a reserve fund ready when financial conditions are not improving. So it is also important for us to learn from the experiences of others. so that we are not trapped in situations experienced by other people who find it not easy to pay off a loan. So that no matter what happens, we must always have savings and reserve funds to avoid all kinds of unexpected costs. and it's better to start now to save more and start learning to generate more income plow so that we can more easily set aside money to save and invest. and for those who already have debt, then start planning to pay it off from what we are most able to pay off. maybe you can start small or from the one with the closest maturity. although it is not easy for some people. but believe me there is always a way out if we want to work harder.

It seems that people are starting to wake up and they are realizing how disadvantageous it is for them to have so many debts, the problem is that even if they make that realization they cannot escape those loans that easily, as in many cases we are talking about debts they wanted to pay decades from now.

So if you are one of the few that is debt-free then you need to take advantage of it, and this can be done by investing whatever spare money you have in assets that you know that will do well over the next years, and without a doubt bitcoin is one of the best assets someone can choose in order to do this.

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Quote from: mvdheuvel1983 on June 02, 2023, 08:48:50 AM

Recently, I had some debts to pay and prioritized them based on urgency, regardless of their size. I had to pay them by or before the deadline. I didn't mind whether they were big debts or small debts. What mattered was meeting up with the deadline. This approach worked for me, although I'm not sure if it falls under the debt snowball method.

Debt basically has to be paid off in any way, it shows how our attitude is in being responsible for the debt decisions we take. So far I have never owed large amounts of debt so I don't know what to explain about the repayment method, but there is one thing that needs to be considered every time we owe, where we must have a job before deciding to owe, so that when the monthly deposit is due we don't feel burdened with the debt.

Quote from: mvdheuvel1983 on June 02, 2023, 08:48:50 AM

For those who have gotten out of debt more quickly, did you use the debt snowball method or another personal debt payment strategy that worked for you over the years?

Or we can apply a standard percentage that is much larger than the fees we have to pay each month. For example, if we have to pay $200 every month, try to pay around $300 to $400 every time we are due each month, so that the duration of the debt can be shortened to pay off. This method can be used if we have a permanent job and even though it is large this is a way that can be done to speed up our debt being paid off.

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Quote from: carlfebz2 on June 15, 2023, 03:26:56 PM

Quote from: Uruhara on June 15, 2023, 03:16:40 PM

Quote from: 19Nov16 on June 14, 2023, 01:55:40 AM

Difficult economic conditions like now make us have to be good at finding sources of income, many people rely on debt when they have sudden needs so that they have to pay interest, the best solution is when a lot of money then use it for business or investment so that when we have a sudden need we do not rely on debt .

That's right and we must always prepare a reserve fund and emergency savings to anticipate if there is an urgent need. And all of that can be done if we have more income than expenses. Then the strategy for paying off debt can also be done by increasing the amount of our personal income. because without sufficient income it is difficult to save and it is not even easy to pay off debt. So the main focus is to have more income.

You would only be able to realize up these things on the time that you would really be experiencing those hardship because you dont have any savings or side money which you could really make use on the time

where emergencies do happen. You would really be knowing its importance when you are already on the actual situation but before that then you had just simply ignored it out just because you are confident that you could really pay up the bills or something when the time comes but when you are on the actual situation then you would really be able to say that it wasnt really that enough.
This is the time that you would really be taking up some loans because you are short in cash.Its not really that bad on taking but as much as possible you should really be avoiding on having
those loans because paying up interest would really be such a huge burden.

Doesnt matter on which method you would be using on clearing up your debts and loans as long you could be able to minimize it or you do see progress then that what matter the most.

Indeed, sometimes people begin to realize the importance of avoiding loans and the importance of always having a reserve fund ready when financial conditions are not improving. So it is also important for us to learn from the experiences of others. so that we are not trapped in situations experienced by other people who find it not easy to pay off a loan. So that no matter what happens, we must always have savings and reserve funds to avoid all kinds of unexpected costs. and it's better to start now to save more and start learning to generate more income plow so that we can more easily set aside money to save and invest. and for those who already have debt, then start planning to pay it off from what we are most able to pay off. maybe you can start small or from the one with the closest maturity. although it is not easy for some people. but believe me there is always a way out if we want to work harder.

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Quote from: Zlantann on June 02, 2023, 12:50:25 PM

Quote from: Jet Cash on June 02, 2023, 10:10:11 AM

In my opinion, the only sensible debt reduction method is to make sure you don't incur any penalties first, and then pay off the debts with the highest interest payments next. Any other strategy just means that you are adding to the debt with higher interest payments. The real answer is to avoid debt in the first place. Go out and mow someone's lawn or collect scrap metal, or do some other job to get the extra cash. It also helps to reduce your outgoings. There is an old adage " A penny saved is a penny earnt". It shows how old that is by the reference to pennies. Don't buy unhealthy McDonalds rubbish, but cook some real food, it's cheaper and better for you. Cut out cigarettes and vaping stupidity, and reduce your alcohol consumtion as well - you'd be shocked if you worked out how much you spent on those if you are a heavy user.

Many people are in debt because they buy what they don't need. Some people have the habit of buying the advanced model of their phones, cars, and other accessories. This habit has been built over the years and it has become a tradition to them. So they spend on these items without considering their debt profile. Meanwhile, the old models or editions are stronger and durable than the new ones. I will become indebted if the loan or credit is a necessity but I will never take a loan for pleasure or to satisfy a want.

The best strategy to be free from debt is to avoid unnecessary expenses. Cut some major expenses such as house rent by owning your house. Buy quality products that can last for a long time. Learn an additional skill that can increase your income. And don't take a loan to service or pay for another loan.

I also get this error sometimes. But there is another situation. If I delay the things I need, I get a raise because of inflation and I have to buy it very expensive later. In order not to experience this, others are added to my debts. Of course, the end of my debts is also delayed because of this.

Sometimes your old phone or computer has expired and you need to get a new one. When all of these coincide at the same time, this payment method you have made may fail. Sometimes all your plans in life don't work so I can't fully stick to this plan.

The best strategy to get out of debt is to avoid unnecessary spending. I know this, but I can buy things because what is unnecessary today may be necessary tomorrow. When I do this in a planned way, there is no problem.

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Quote from: Uruhara on June 15, 2023, 03:16:40 PM

Quote from: 19Nov16 on June 14, 2023, 01:55:40 AM

Difficult economic conditions like now make us have to be good at finding sources of income, many people rely on debt when they have sudden needs so that they have to pay interest, the best solution is when a lot of money then use it for business or investment so that when we have a sudden need we do not rely on debt .

That's right and we must always prepare a reserve fund and emergency savings to anticipate if there is an urgent need. And all of that can be done if we have more income than expenses. Then the strategy for paying off debt can also be done by increasing the amount of our personal income. because without sufficient income it is difficult to save and it is not even easy to pay off debt. So the main focus is to have more income.

You would only be able to realize up these things on the time that you would really be experiencing those hardship because you dont have any savings or side money which you could really make use on the time

where emergencies do happen. You would really be knowing its importance when you are already on the actual situation but before that then you had just simply ignored it out just because you are confident that you could really pay up the bills or something when the time comes but when you are on the actual situation then you would really be able to say that it wasnt really that enough.
This is the time that you would really be taking up some loans because you are short in cash.Its not really that bad on taking but as much as possible you should really be avoiding on having
those loans because paying up interest would really be such a huge burden.

Doesnt matter on which method you would be using on clearing up your debts and loans as long you could be able to minimize it or you do see progress then that what matter the most.

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Quote from: 19Nov16 on June 14, 2023, 01:55:40 AM

Difficult economic conditions like now make us have to be good at finding sources of income, many people rely on debt when they have sudden needs so that they have to pay interest, the best solution is when a lot of money then use it for business or investment so that when we have a sudden need we do not rely on debt .

That's right and we must always prepare a reserve fund and emergency savings to anticipate if there is an urgent need. And all of that can be done if we have more income than expenses. Then the strategy for paying off debt can also be done by increasing the amount of our personal income. because without sufficient income it is difficult to save and it is not even easy to pay off debt. So the main focus is to have more income.

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Quote from: Yatsan on June 12, 2023, 05:24:51 PM

As much as possible I am avoiding having a debt 'coz that is where struggle begin in terms of financial aspect. But yes, there'll be times you would be pushed to do so. In paying debt, Snowball method would be a good way to settle but most of the time sense of urgency should be applied especially if you have multiple debt wherein sometimes, as mentioned, has interest, and that should be prioritized to have a progress. What we should avoid is paying a debt using another debt. There are times this is effective concerning urgency as well, but it will just eventually be a cycle and nothing will be totally resolved. So I'd say urgency with adjustment of your expenses, would be the best way to pay debts.

Pay the debt having interest first then those which are not, make sure to fill the gap even little by little. It would be hard to pay all of it simultaneously but atleast there'll be progress and it won't be a shame to where you have borrowed the money. Create adjustments with your expenses such as choosing to walk if the destination ain't too far. Choose to cook at home than to eat on restaurants. Create an alternative to buying a new one if possible.Or simply choose to struggle now to eventually be comfortable once debts are settled.

There is another problem - some banks offer to pay interest not immediately, but, for example, after 180 days. But if a person forgets to pay a certain amount, interest is charged at double the rate.

As for loans - it is good advice not to take out loans, but there is always a force majeure (for example, illness).

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Difficult economic conditions like now make us have to be good at finding sources of income, many people rely on debt when they have sudden needs so that they have to pay interest, the best solution is when a lot of money then use it for business or investment so that when we have a sudden need we do not rely on debt .

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Quote from: Yatsan on June 12, 2023, 05:24:51 PM

As much as possible I am avoiding having a debt 'coz that is where struggle begin in terms of financial aspect. But yes, there'll be times you would be pushed to do so. In paying debt, Snowball method would be a good way to settle but most of the time sense of urgency should be applied especially if you have multiple debt wherein sometimes, as mentioned, has interest, and that should be prioritized to have a progress. What we should avoid is paying a debt using another debt. There are times this is effective concerning urgency as well, but it will just eventually be a cycle and nothing will be totally resolved. So I'd say urgency with adjustment of your expenses, would be the best way to pay debts.

Pay the debt having interest first then those which are not, make sure to fill the gap even little by little. It would be hard to pay all of it simultaneously but atleast there'll be progress and it won't be a shame to where you have borrowed the money. Create adjustments with your expenses such as choosing to walk if the destination ain't too far. Choose to cook at home than to eat on restaurants. Create an alternative to buying a new one if possible.Or simply choose to struggle now to eventually be comfortable once debts are settled.

Your approach reflects financial maturity and pragmatism. How about a dash of the 'Debt Avalanche' technique? It's the Snowball method's big cousin, charging at the highest interest beast first. This route can cut down your interest dues.

Moreover, financial literacy is the ace up your sleeve. Decoding terms like compound interest, credit score impacts, and budget fundamentals can arm you with money wisdom. When you blend this knowledge with your measures, it's a masterstroke for managing debts.

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As much as possible I am avoiding having a debt 'coz that is where struggle begin in terms of financial aspect. But yes, there'll be times you would be pushed to do so. In paying debt, Snowball method would be a good way to settle but most of the time sense of urgency should be applied especially if you have multiple debt wherein sometimes, as mentioned, has interest, and that should be prioritized to have a progress. What we should avoid is paying a debt using another debt. There are times this is effective concerning urgency as well, but it will just eventually be a cycle and nothing will be totally resolved. So I'd say urgency with adjustment of your expenses, would be the best way to pay debts.

Pay the debt having interest first then those which are not, make sure to fill the gap even little by little. It would be hard to pay all of it simultaneously but atleast there'll be progress and it won't be a shame to where you have borrowed the money. Create adjustments with your expenses such as choosing to walk if the destination ain't too far. Choose to cook at home than to eat on restaurants. Create an alternative to buying a new one if possible.Or simply choose to struggle now to eventually be comfortable once debts are settled.

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Quote from: serjent05 on June 12, 2023, 03:34:11 PM

The snowball method is best to trim down the number of people whom we have debt with. So it is best for peace of mind because of lesser number of people calling us to pay our debt. So with snowball method, the aim is to minimize the stress due to huge number of people asking us to pay. In terms of reducing the interest to be paid, avalanche method where we pay the biggest interest first to save us from paying larger amount of money for interest.

Both are a good way to reduce the debt but they have their own effectiveness which we can consider depending on our priority.

You are right. at least by reducing the number of people we owe, it can help us a little psychologically because no one will collect a lot of debts from us. it's just that I think we have to pay off the debt that costs us the most. For example, debt that has an ever-increasing amount of interest is indeed what we must prioritize. because this type of debt can complicate our economy and make it difficult for us to pay to others. but well it all depends on the situation and conditions. The point is to pay what we can afford to pay the most. starting small is also a pretty good step.

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Quote from: Fortify on June 12, 2023, 03:22:46 PM

Quote from: mvdheuvel1983 on June 02, 2023, 08:48:50 AM

The debt snowball method is one of the most recommended strategies to get out of debt. How does it work?

You list your debts from smallest to largest and pay the minimum amount on everything except the smallest one. You prioritize paying off the smallest debt aggressively.

- consider selling off all the items you don't need.
- Consider working more jobs to increase your source income.
- Consider temporarily halting all investment, after which pour all your energy into paying off to the smallest debts.

By paying off the smallest debts first, the snowball effect kicks in and you move on to the next debt on the list until you pay off all of them. It is estimated that a person who follows this method religiously can become debt-free within 18 - 24 months.

However, the debt snowball method may not be effective if you have debts with specific payment dates that, if missed, could result in higher interest rates or a negative impact on your credit score. Nobody wants any of these.

Recently, I had some debts to pay and prioritized them based on urgency, regardless of their size. I had to pay them by or before the deadline. I didn't mind whether they were big debts or small debts. What mattered was meeting up with the deadline. This approach worked for me, although I'm not sure if it falls under the debt snowball method.

For those who have gotten out of debt more quickly, did you use the debt snowball method or another personal debt payment strategy that worked for you over the years?

The snowball method as you described it is actually pretty poor and if you have substantial debts it could leave you paying them off for longer than necessary. It all requires context however and a bit of common sense, but mathematically speaking you should aim to pay down the highest rate of APR first. If you have reached the point where you are looking at paying off debts seriously, then hopefully you've started to note down all the debts so keeping track of them should get easier in that sense. Sure, you might want to tidy up a few lower numbers if you can, but if you have $10k of debt with $1k on 5%, $4k on 7% and $5k on 20% it makes absolute sense to clear the debt charging 20% first - you're just punishing yourself financially otherwise.

The snowball method is best to trim down the number of people whom we have debt with. So it is best for peace of mind because of lesser number of people calling us to pay our debt. So with snowball method, the aim is to minimize the stress due to huge number of people asking us to pay. In terms of reducing the interest to be paid, avalanche method where we pay the biggest interest first to save us from paying larger amount of money for interest.

Both are a good way to reduce the debt but they have their own effectiveness which we can consider depending on our priority.

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Quote from: Fortify on June 12, 2023, 03:22:46 PM

The snowball method as you described it is actually pretty poor and if you have substantial debts it could leave you paying them off for longer than necessary. It all requires context however and a bit of common sense, but mathematically speaking you should aim to pay down the highest rate of APR first. If you have reached the point where you are looking at paying off debts seriously, then hopefully you've started to note down all the debts so keeping track of them should get easier in that sense. Sure, you might want to tidy up a few lower numbers if you can, but if you have $10k of debt with $1k on 5%, $4k on 7% and $5k on 20% it makes absolute sense to clear the debt charging 20% first - you're just punishing yourself financially otherwise.

The easiest thing to do in this case is to take advantage of debt restructuring or to pay off all your debts by taking a loan from a bank with a lower rate. Of course, it all depends on the size of the loan, as there are restrictions on the loan if you already have a fairly large loan

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Quote from: mvdheuvel1983 on June 02, 2023, 08:48:50 AM

The debt snowball method is one of the most recommended strategies to get out of debt. How does it work?

You list your debts from smallest to largest and pay the minimum amount on everything except the smallest one. You prioritize paying off the smallest debt aggressively.

- consider selling off all the items you don't need.
- Consider working more jobs to increase your source income.
- Consider temporarily halting all investment, after which pour all your energy into paying off to the smallest debts.

By paying off the smallest debts first, the snowball effect kicks in and you move on to the next debt on the list until you pay off all of them. It is estimated that a person who follows this method religiously can become debt-free within 18 - 24 months.

However, the debt snowball method may not be effective if you have debts with specific payment dates that, if missed, could result in higher interest rates or a negative impact on your credit score. Nobody wants any of these.

Recently, I had some debts to pay and prioritized them based on urgency, regardless of their size. I had to pay them by or before the deadline. I didn't mind whether they were big debts or small debts. What mattered was meeting up with the deadline. This approach worked for me, although I'm not sure if it falls under the debt snowball method.

For those who have gotten out of debt more quickly, did you use the debt snowball method or another personal debt payment strategy that worked for you over the years?

The snowball method as you described it is actually pretty poor and if you have substantial debts it could leave you paying them off for longer than necessary. It all requires context however and a bit of common sense, but mathematically speaking you should aim to pay down the highest rate of APR first. If you have reached the point where you are looking at paying off debts seriously, then hopefully you've started to note down all the debts so keeping track of them should get easier in that sense. Sure, you might want to tidy up a few lower numbers if you can, but if you have $10k of debt with $1k on 5%, $4k on 7% and $5k on 20% it makes absolute sense to clear the debt charging 20% first - you're just punishing yourself financially otherwise.

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Debt? Why we I lead money from government or banks for no good reasons and it will be pressing me down not able to pay back. It is very bad for us to rely on taking loan in any forms because this can cause unreasonable debt that will affect us whether now or later and there are even some persons that are still paying debt they do not know about till now.

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Quote from: mvdheuvel1983 on June 02, 2023, 08:48:50 AM

Snip-

I always try to avoid unnecessary expenses and debt scares me a lot so I try to stay away from debt even if I am in trouble for a while. So already I go into less debt. But when I face a big financial problem I have to go into debt. Because of this, I don't have to adopt any special strategy to reduce my debt. It is better to avoid the debt issue as it puts us under a different pressure and has to pay a high amount of interest along with the repayment period.

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Quote from: Republikcoin.com on June 11, 2023, 12:06:13 AM

Quote from: ?? on ??

Avoiding debt in the first place is a wise approach, and focusing on paying off high-interest debt can help minimize interest payments over time. Being mindful of your spending habits, such as avoiding unhealthy fast food and unnecessary purchases, can contribute to saving money and maintaining a healthier lifestyle. While it's important to consider these practical steps to reduce debt, it's also important to recognize that everyone's financial circumstances and challenges are unique. Sometimes unexpected situations or emergencies can lead to debt, and individuals may require different approaches to deal with their particular situations.

It is not only wise for someone who is able to avoid debt in his life, but also makes himself seen as stronger by others by not being able to reach our abilities. Apart from that, I also agree with the points you said where after a person is able to avoid debt, also avoid fast food and avoid buying unnecessary things in his life, I think that kind of person will always win in his life because he can save money from the smallest and simplest things to the biggest things which are always the main consideration.

On the other hand, people who are able to refrain from getting into debt and also restrain their lust from buying more unnecessary things are people who are usually quite disciplined in their lives. Because he will always value his time and money only for more important things without wasting it on things he deems less important in his life and I think this kind of person is a person who is wise enough to think even though only a handful of people do like this.

Yes, it's true, avoiding debt from the start is the best thing to do, but if we are already entangled and want to return to normal life, then my choice is to focus on paying off debt with the largest nominal, so I agree about that. But what I see now is the wrong step they are taking, those who are already in debt are digging a hole to close the hole, yes they are taking a new loan to pay off their old loan, until whenever they will never finish not being in debt if they continue to do things like At this point, their situation will only get worse.
This is a valuable lesson for those who have not been touched by debt at all.

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Quote from: Republikcoin.com on June 11, 2023, 12:06:13 AM

Quote from: ?? on ??

Avoiding debt in the first place is a wise approach, and focusing on paying off high-interest debt can help minimize interest payments over time. Being mindful of your spending habits, such as avoiding unhealthy fast food and unnecessary purchases, can contribute to saving money and maintaining a healthier lifestyle. While it's important to consider these practical steps to reduce debt, it's also important to recognize that everyone's financial circumstances and challenges are unique. Sometimes unexpected situations or emergencies can lead to debt, and individuals may require different approaches to deal with their particular situations.

It is not only wise for someone who is able to avoid debt in his life, but also makes himself seen as stronger by others by not being able to reach our abilities. Apart from that, I also agree with the points you said where after a person is able to avoid debt, also avoid fast food and avoid buying unnecessary things in his life, I think that kind of person will always win in his life because he can save money from the smallest and simplest things to the biggest things which are always the main consideration.

On the other hand, people who are able to refrain from getting into debt and also restrain their lust from buying more unnecessary things are people who are usually quite disciplined in their lives. Because he will always value his time and money only for more important things without wasting it on things he deems less important in his life and I think this kind of person is a person who is wise enough to think even though only a handful of people do like this.

Those are qualities which can be taught to children by their parents or the school system put in place by the governments, but neither of them take the time to do so, in the case of the parents they may not know how to do this as they do not do this on their lives, but the school system refuses to do so as governments benefit from having people which spend their hard earned money on useless stuff, as in this way companies do not really need to care about creating a quality product, as they know that whatever they make can be sold if enough marketing is employed.

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Quote from: ?? on ??

Avoiding debt in the first place is a wise approach, and focusing on paying off high-interest debt can help minimize interest payments over time. Being mindful of your spending habits, such as avoiding unhealthy fast food and unnecessary purchases, can contribute to saving money and maintaining a healthier lifestyle. While it's important to consider these practical steps to reduce debt, it's also important to recognize that everyone's financial circumstances and challenges are unique. Sometimes unexpected situations or emergencies can lead to debt, and individuals may require different approaches to deal with their particular situations.

It is not only wise for someone who is able to avoid debt in his life, but also makes himself seen as stronger by others by not being able to reach our abilities. Apart from that, I also agree with the points you said where after a person is able to avoid debt, also avoid fast food and avoid buying unnecessary things in his life, I think that kind of person will always win in his life because he can save money from the smallest and simplest things to the biggest things which are always the main consideration.

On the other hand, people who are able to refrain from getting into debt and also restrain their lust from buying more unnecessary things are people who are usually quite disciplined in their lives. Because he will always value his time and money only for more important things without wasting it on things he deems less important in his life and I think this kind of person is a person who is wise enough to think even though only a handful of people do like this.

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Quote from: mvdheuvel1983 on June 02, 2023, 08:48:50 AM

For those who have gotten out of debt more quickly, did you use the debt snowball method or another personal debt payment strategy that worked for you over the years?

I haven't had consumer debt for quite some time but when I did, I used the snowball method. I also didn't have lots of different debts and of huge amounts so with a little effort I was able to get rid of it quickly, but I think the method is effective mainly because of the positive psychological effect when getting rid of small debts, which takes precedence over the math. The boost in your confidence that comes from seeing that you have made progress by removing a debt reinforces you positively to continue with the plan even pushing it harder.

Topic: What is your personal debt reduction method aside the debt snowball method? - page 2. (Read 682 times)