Having some debt is bad enough, but creating MORE debt when you are already struggling to stay afloat will cause you to drown. See below for a couple of ways you can avoid getting into more debt.
Avoid shopping for FUN-
Have you ever found yourself bored and needing something to do? And the first place you end up is online shopping.
Avoid this at all costs!
Find a different habit like reading or going for a walk instead of window shopping when you are bored. Please, your bank account and credit cards will thank you.
I am quick to pick up a book and go to the pool for a bit when I have some spare time.
Switch to Debit Cards-
To avoid going into further debt try switching to your debit card for everyday purchases.
This is directly attached to your bank account, and it not only avoids more debt but forces you to stay on budget. If you don’t have the cash, then your card could either get declined all together or you get hit with an overdraft fee. No one likes overdraft fees!
Be careful and watch your account closely. If you’ve got overdraft protection, those overdraft fees can add up quickly! I know from experience that for every transaction that puts your bank account in the negative, a new overdraft fee is charged. Talk about a lose-lose situation.
Know what is in your bank account and adjust your spending accordingly to avoid any fees. Sticking to your debit cards forces you to be stricter and avoid more credit card debt.
What measures do you take to avoid falling into more debt? Comment below and let’s help each other out.
-Adele-
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