Sometimes debts can help you to go through hard times. But when the time comes to repay the debt, it can be stressful and might slip up your budget. It is essential to take a few steps to manage your debt.

Know how much you own

Make a list of debts you owe every month and frequently update it. Credit cards, loan repayments, fines, even monthly spending which was bound to happen. This helps you to actually know how much you owe and avoids you from borrowing more debts when you are already stressed out.

You can compare your debt…

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