8 January 2013

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Six ways to stay out of debt in 2013


We tend to focus on getting out of debt, but preventing a debt disaster is much less stressful and much more valuable in the long run.

With one in five South Africans having impaired credit records it has to point to a number of factors for people becoming over-committed financially. Fin24.com rounded up some main tips to avoid being a part of this statistic. We’ve expanded on them in an effort to make your life easier and 2013 the year you start and keep a debt free life.

After you’ve signed up for debt management advice it’s also a good idea to follow these tips to stay within your budget.

1) Your lifestyle should rely on your salary only


Don’t live above your means. If you get a bonus save most of it and enjoy some of it.

2) Spend money you have, not the credit available to you

Don’t think of credit facilities as an easy solution. It should be a last resort, but it is all too often used as a convenient way to afford the things we desire but not really need. Avoid store accounts and opt for loyalty cards instead.

3) Increase your debt repayments in line with your salary increase

This way you free up your income faster and you can use the money towards saving instead.

4) Focus on family activities instead of going to the mall


Malls are great temptations for children where parents give in all too often. Parents also spend more when they take their children to the grocery store. So if you want to stick to your grocery list and avoid tantrums, don’t take kids shopping.

5) Avoid temptation and resist ‘sale’ signs – ask yourself whether you really need it


Avoiding malls and sticking to stand-alone stores can go a long way in avoiding this temptation as you won’t have the urged to check out every sale.

6) Budget for the next year’s expenses.

Draw up a budget for all the expenses you already know you’ll have in 2013. Children’s school fees and other monthly payments might be significantly reduced if you can pay an annual premium. This also takes some stress of your shoulders for the rest of the year.

What are your expectations for this year? Are there any other tips you would like us to add? We want to hear from you.

49 comments:

  1. Excellent tips. A system could be something as simple as not spending money on junk food or meticulously documenting every dollar spent.

    ReplyDelete
  2. Hello am Mrs Trace Henry from California USA i was in need of a loan when some one directed me to this legit loan company by name Erivan Loan Firm and i applied for the loan of $120000 and 3 days later my loan was send to my bank account without delay or collateral,credit check and cosign but with only 3% low interest rate,i promise them that if i get my loan i will tell the news to the whole wide world and if you are interested in obtaining a loan from them you can contact them today via Email:erivanloancompany@yahoo.com

    ReplyDelete
  3. Hello,

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    ReplyDelete
  4. Hello,i am Mrs Rebecca Nathan from Florida USA,i will really want to thank God so much for making me come in contact with Mr Erivan loan firm after i have been scammed three time by fake lenders,their ways was very easy no credit check,no cosigner,no collateral and with just 3% interest rate, at first i never taught it is through because i have been scammed by fake lender so i find it difficult to believe them.. But with God i find trust in them and i receive my loan from them. they give loan of any amount and any currency. The name of the Loan Firm is ERIVAN LOAN FIRM, so i will advise anyone out there that need a loan to contact them via their Email: erivanloancompany@yahoo.com

    ReplyDelete
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    ReplyDelete
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    ReplyDelete
  7. Greetings..
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    ReplyDelete
  8. My name is Mrs. Andrew Anita. I live in USA and i am a happy woman
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    me happiness to me and my family, i was in need of a loan of 25,000 pounds to
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    ReplyDelete
  9. Dear Value Customer,
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    Short term loan 5_10years
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    Media term loan10_20
    We offer loan like
    Home loan.....................
    Business loan.................
    Debt loan .................
    Student loan..............
    Business start up loan
    Business loan ...........
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    International loan
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    ReplyDelete
  10. GOOD DAY to you I am Mr John Emmanuel, a Reputable, Legitimate & an accredited money
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    ReplyDelete
  11. Hello, I am Doreen williams, currently living in New york, city, USA. I am a widow at the moment with three kids and i was stuck in a financial situation in June 2014 and i needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate but never with success, and most banks declined my credit. But as God would have it, I was introduced to a Man of God a private loan lender who gave me a loan of $85,000USD and today am a business owner and my kids are doing well at the moment, if you must contact any firm with reference to securing a loan without collateral , no credit check, no co signer with just 2% interest rate and better repayment plans and schedule, please contact Mr John Emmanuel. He doesn't know that am doing this but am so happy now and i decided to let people know more about him and also i want God to bless him more.You can contact him through his email: Johnemmanuelloanfirm@gmail.com or Johnemmanuellloanfirm@outlook.com

    ReplyDelete
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    ReplyDelete
  13. My name is Mrs. Anita Andrew. I live in USA and i am a happy woman
    today? and i told my self that any lender that rescue my family from our
    poor situation, i will refer any person that is looking for loan to he gave
    me happiness to me and my family, i was in need of a loan of 25,000 pounds to
    start my life all over as i am a single mother with 3 kids I met the GOD
    fearing man loan lender that help me with a loan of 25,000 pounds,he is a GOD fearing man, if you are in need of loan and you will pay back the loan contact him tell him that is Mrs. Andrew Anita that refer you to him. contact Mr Steve Brown via email: (stevebrownloan4@hotmail.com) or stevebrown012@gmail.com

    ReplyDelete
  14. GOOD DAY to you I am Mr John Emmanuel, a Reputable, Legitimate & an accredited money
    Lender. I loan money out to individuals in need of financial assistance.
    Do you have a bad credit or are you in need of money to pay bills?
    i want to use this medium to inform you that i render reliable beneficiary
    assistance as I'll be glad to offer you a loan at 2% interest rate to
    reliable individuals.

    Services Rendered include:
    *Refinance
    *Home Improvement
    *Inventor Loans
    *Auto Loans
    *Debt Consolidation
    *Horse Loans
    *Line of Credit
    *Second Mortgage
    *Business Loans
    *Personal Loans
    *International Loans.
    Please write back if interested.
    Upon Response, you'll be mailed a Loan application form to fill. (No social
    security and no credit check, 100% Guaranteed!) I Look forward permitting me to
    be of service to you. You can contact me via e-mail Johnemmanuelloanfirm@gmail.com or Johnemmanuelloanfirm@outlook.com
    Yours Sincerely
    MR John Emmanuel ( MD)

    ReplyDelete
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    ReplyDelete
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    ReplyDelete
  17. Hello, I am Doreen williams, currently living in New york, city, USA. I am a widow at the moment with three kids and i was stuck in a financial situation in June 2014 and i needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate but never with success, and most banks declined my credit. But as God would have it, I was introduced to a Man of God a private loan lender who gave me a loan of $85,000USD and today am a business owner and my kids are doing well at the moment, if you must contact any firm with reference to securing a loan without collateral , no credit check, no co signer with just 2% interest rate and better repayment plans and schedule, please contact Mr John Emmanuel. He doesn't know that am doing this but am so happy now and i decided to let people know more about him and also i want God to bless him more.You can contact him through his email: Johnemmanuelloanfirm@gmail.com or Johnemmanuellloanfirm@outlook.com

    ReplyDelete
  18. Dear Value Customer,
    My name is Mr. Steve Brown CEO of Steve Brown Loan Company, We give out legitimate loans to serious Individual and Companies that are in need of loans, we offer all kinds of loans at 2% interest rate without stress, apply with us and get your loan transfer to you within 2 days, interest person or company should contact us via E-mail: stevebrownloan4@hotmail.com, and stevebrown012@gmail.com
    We offer all kind of categories of loan they
    Short term loan 5_10years
    Long term loan 20_40
    Media term loan10_20
    We offer loan like
    Home loan.....................
    Business loan.................
    Debt loan .................
    Student loan..............
    Business start up loan
    Business loan ...........
    Car loan ..............
    International loan
    Company loan........etc
    When it comes to financial crisis and loan then Steve Brown loan financial is the place to go please just send us an email and application form will be send back to you below is our Email address stevebrownloan4@hotmail.com (or) stevebrown012@gmail.com


    ReplyDelete
  19. Dear Value Customer,
    My name is Mr. Steve Brown CEO of Steve Brown Loan Company, We give out legitimate loans to serious Individual and Companies that are in need of loans, we offer all kinds of loans at 2% interest rate without stress, apply with us and get your loan transfer to you within 2 days, interest person or company should contact us via E-mail: stevebrownloan4@hotmail.com, and stevebrown012@gmail.com
    We offer all kind of categories of loan they
    Short term loan 5_10years
    Long term loan 20_40
    Media term loan10_20
    We offer loan like
    Home loan.....................
    Business loan.................
    Debt loan .................
    Student loan..............
    Business start up loan
    Business loan ...........
    Car loan ..............
    International loan
    Company loan........etc
    When it comes to financial crisis and loan then Steve Brown loan financial is the place to go please just send us an email and application form will be send back to you below is our Email address stevebrownloan4@hotmail.com (or) stevebrown012@gmail.com


    ReplyDelete
  20. LOAN SERVICE OFFER, APPLY NOW AND GET APPROVED WITHOUT STRESS OR DELAY.

    We are MULTI CREDIT FINANCE; we are Legitimate/Accredited Loan Company & we are fully licensed by the Government to grant loans and offer other credit facilities to both local and international customers. We offer loans to individuals and co-operate bodies in need of financial assistance. Do you have bad credit OR are you in need of money to pay bills? Do you need business loan? We offer ALL KINDS of loan at 2% interest rate to reliable & serious individuals or companies! Get back to us if interested & upon your response; you'll be mailed a Loan application form to fill (No social security and no credit check, 100% Guaranteed!) We Look forward hear from interested borrower!!!! Interested person can contact us via E-mail: {multicreditfinance@gmail.com}

    MULTI CREDIT FINANCE TEAM.

    ReplyDelete
  21. Dear Sir/Madam,
    My name is Mr. Steve Brown CEO of Steve Brown Loan Company, We give out legitimate loans to serious Individual and Companies that are in need of loans, we offer all kinds of loans at 2% interest rate without stress, apply with us and get your loan transfer to you within 2 days, interest person or company should contact us via E-mail: stevebrownloan4@hotmail.com, and stevebrown012@gmail.com
    We offer all kind of categories of loan they
    Short term loan 5_10years
    Long term loan 20_40
    Media term loan10_20
    We offer loan like
    Home loan.....................
    Business loan.................
    Debt loan .................
    Student loan..............
    Business start up loan
    Business loan ...........
    Car loan ..............
    International loan
    Company loan........etc
    When it comes to financial crisis and loan then Steve Brown loan financial is the place to go please just send us an email and application form will be send back to you below is our Email address stevebrownloan4@hotmail.com (or) stevebrown012@gmail.com


    ReplyDelete
  22. LOAN SERVICE OFFER, APPLY NOW AND GET APPROVED WITHOUT STRESS OR DELAY.

    We are MULTI CREDIT FINANCE; we are Legitimate/Accredited Loan Company & we are fully licensed by the Government to grant loans and offer other credit facilities to both local and international customers. We offer loans to individuals and co-operate bodies in need of financial assistance. Do you have bad credit OR are you in need of money to pay bills? Do you need business loan? We offer ALL KINDS of loan at 2% interest rate to reliable & serious individuals or companies! Get back to us if interested & upon your response; you'll be mailed a Loan application form to fill (No social security and no credit check, 100% Guaranteed!) We Look forward hear from interested borrower!!!! Interested person can contact us via E-mail: {multicreditfinance@gmail.com}

    MULTI CREDIT FINANCE TEAM.

    ReplyDelete
  23. Hello everyone, My name is Mrs. Linda Frank and i am talking as the happiest person in the whole wild world today and i told myself that any lender that rescue my family from our poor situation, i will tell the name to the whole wild world and i am so happy to say that my family is back for good because i was in need a loan of $ 73,000 USD to start my life all over as i am a single mum with 2 kids and the whole world seemed like it was hanging on me until i met the GOD sent loan lender that changed my life and that of my family, a GOD fearing lender, Mr. Steve of Steve Brown Loan Financial , he was the saviour GOD sent to rescue my family and at first i thought it was not going to be possible until i received my loan of $ 73,000 USD and i will advise anyone who is in genuine need of a loan to contact Mr. Steve Brown via email at. (stevebrownloan4@hotmail.com) OR (stevebrown012@gmail.com ) because he is the most understanding and kind hearted lender.

    ReplyDelete
  24. Hello my dear people do not full prey to those hoodlums at there that call them self money lender they are all scam , all they want is your money and you well not hear from them again they have done it to me twice before I met Mr. Steve Brown the most interesting part of it is that my loan was transfer to me within 74hours so I well advice you to contact Mr. Brown if you are interested in getting loan and you are sure you can pay him back on time you can contact him via email……… stevebrownloan4@hotmail.com ( or) stevebrown012@gmail.com
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    ReplyDelete
  25. Dear Sir/Madam,
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    ReplyDelete
  26. MY TESTIMONY FROM A LEGITIMATE MONEY LENDER
    Have you been looking for a loan?Do you need an urgent personal or business loan?contact Dennis Hopkins Finance Home he help me with a loan of $300.000 some days ago after been scammed of $2500 from a woman claiming to been a loan lender but i thank God today that i got my loan worth $300.000.Feel free to contact the company for a genuine financial service. Email: dennishopkins_financehome@live.com or dennishopkins69@yahoo.com or www.dennishopkinsfinance.de.vu Tel: USA +12404374240 .He is a trust worthy man. No Upfront Fees

    ReplyDelete
  27. Good day.

    I can’t hide this great testimony that took place in my life i will love everyone to know it and be partaker that is why i want to share it to the whole world by placing this advert on classifieds, I am Mrs Kate Loore by name, I live in Chattanooga, Tennessee United State, I want to thank Testimony Goodwill for his kindness upon my family life, I never knew that there is still a sincere and trustworthy lender like this on the internet and on earth. Just some days i was in search for a loan of $ 100,000.00 Dollars, As I was running out of money for feeding, School fees, My business was really going out of capital and my rent. I was scammed about $15,000Dollars and I decided not to involve my self in such business again. But a Friend of mine introduced me to a loan firm due to my appearance and doings and also my complains to her. And I told her that I am not interested in any loan deal anymore but she told me that there is still a sincere lender who she will recommend me to, And she gave me the details of this man who is called TESTIMONY GOODWIL. And i really put a trial and i am most greatful and lucky today, I was given a loan amount of $95,000,00 Dollars by this great firm CALLED MR TESTIMONY GOODWILL. If you are in need of a genuine, Sincere, durable and a truth worthy loan lender or financial assistanceand also you know you can be reliable and trusted, capable of paying back at the due / duration time of the funds I will advice you to send your contact to them via email on : testimony.goodwill.loan@gmail.com . And you will be free from scams on the internet. My lovely wife extend her greetings to you also if not for you I can't imaginethe way life should be for my family today. Please I am begging everyone on earth to help me thank Mr Testimony Goodwill. And I will always being sharing this great surpriseand testimony that happened in my life everyday to all that need loans. Again there contact email is as follows: testimony.goodwill.loan@gmail.com .. CONTACT THEM NOW VIA EMAIL FOR LOAN:testimony.goodwill.loan@gmail.com AS THEY ARE EFFICIENT,DYNAMIC AND RELAIBLE.....

    ReplyDelete
  28. Good Day !!

    I am Mr Testimony Goodwill, a Reputable, Legitimate & an accredited money Lender. I want to use this medium to inform you that I render reliable beneficiary assistance as I'll be glad to offer you a loan at 2% interest rate to reliable individuals.

    Services Rendered include:

    *Home Improvement
    *Inventor Loans
    *Car Loans
    *Debt Consolidation Loan
    *Line of Credit
    *Second Loan
    *Business Loans
    *Personal Loans
    *International Loans.

    Please write back if interested.
    Upon Response, you'll be mailed a Loan application form to fill. (No social security and no credit check, 100% Guaranteed!) I Look forward permitting me to be of service to you. You can contact me via e-mail: testimony.goodwill.loan@gmail.com

    Yours in Services,
    Mr Testimony Goodwill,
    Testimony Goodwill loans company},
    (Loan Manager Operations)
    Email: testimony.goodwill.loan@gmail.com

    ReplyDelete
  29. HOW I GOT MY LOAN FROM THIS GREAT COMPANY CALLED SLIVINU MARKO LOAN COMPANY

    Hello to All across the globe, I am Martha Loiussa, currently living in NEW YORK now, USA. I am a widow at the moment with 2 kids and I was stuck in a financial situation in April 2015 and I needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate but never with success, and most banks declined my credit ,do not full prey to those hoodlums at there that call them self money lender they are all scam , all they want is your money and you well not hear from them again they have done it to me twice before I meet Mr Slivinu Marko the most interesting part of it is that my loan was transfer to me within 74hours so I will advice you to contact Mr Slivinu Marko if you are interested in getting loan and you are sure you can pay him back on time you can contact him via email……… ( slivinumarko@yahoo.com ) No credit check, no co signer with just 2% interest rate and better repayment plans and schedule if you must contact any firm with reference to securing a loan without collateral then contact Mr Slivinu Marko today for your loan

    They offer all kind of categories of loan they

    Short term loan (5_10years)
    Long term loan (20_40)
    Media term loan(10_20)
    They offer loan like
    Home loan............., Business loan........ Debt loan .......
    Student loan..........,Business start up loan
    Business loan....... , Company loan.............. etc
    Email..........( slivinumarko@yahoo.com )
    When it comes to financial crisis and loan then Mr Slivinu Marko loan financial is the place to go please just tell him I Martha Loiussa direct you Good Luck.... HS EMAIL IS : slivinumarko@yahoo.com ......................

    ReplyDelete
  30. I am Mrs.Cathrine Brodie from United State of America, God has bless me with two kids and a loving husband, I promise to share this Testimony because of God favor in my life,2months ago I was in desperate need of money so I thought of having a loan then I ran into wrong hands who claimed to be a loan lender not knowing he was a scam. he collected 2,000USD from me and refuse to email me since. then I was confuse, but God came to my rescue, one faithful day I went to church after the service I share idea with a friend and she introduce me to ERIVAN LOAN FIRM, she said she was given 50,000USD by MR YOUNG , THE MANAGING DIRECTOR OF ERIVAN LOAN FIRM. so I collected his email Address ,he told me the rules and regulation and I followed, then after processing of the Documents he gave me my loan of 30,000POUNDS .you can contact him on via email (erivanloancompany@yahoo.com ) I am sure he will help you

    ReplyDelete
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  32. Debt Consolidation Loan up to R1,000.000.00 !!! Apply Now We will be able to help you no matter what!Take control of your debts - do not let your debts control you!Consolidate your debt once and for all!Get rid of your DEBT load Get rid of the monthly DEBT pressure Get out of your DEBT trap We help those who cannot be helped elsewhere If you have shopped around and been declined then this is the right place to come to If you are under Debt Review WITHOUT a court order you may apply We do NOT do Debt review or Administration Are you having problems with garnishee orders?We help people throughout South Africa.DOCUMENTS REQUIRED:- ID BOOK- LATEST 3 MONTHS BANK STATEMENT- LATEST TWO MONTHS PAYSLIPS- BLACKLISTED CLIENTS WELCOME.Respond and we will contact you Or,Contact us today via email at: lofofinancialservices@gmail.com

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  33. Debt Consolidation Loan up to R1,000.000.00 !!! Apply Now We will be able to help you no matter what!Take control of your debts - do not let your debts control you!Consolidate your debt once and for all!Get rid of your DEBT load Get rid of the monthly DEBT pressure Get out of your DEBT trap We help those who cannot be helped elsewhere If you have shopped around and been declined then this is the right place to come to If you are under Debt Review WITHOUT a court order you may apply We do NOT do Debt review or Administration Are you having problems with garnishee orders?We help people throughout South Africa.DOCUMENTS REQUIRED:- ID BOOK- LATEST 3 MONTHS BANK STATEMENT- LATEST TWO MONTHS PAYSLIPS- BLACKLISTED CLIENTS WELCOME.Respond and we will contact you Or,Contact us today via email at: lofofinancialservices@gmail.com

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  34. VICTIM OF SCAMS BUT NOW A VICTOR THROUGH JOSH LOANS FINANCIAL SERVICE joshloancompany@gmail.com OR +1(215)-874-8060

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  38. Good day dear esteemed readers, I am Abigail Diana from Montana USA, I want to use the medium to share a brief testimony on how I got loan online after running from high interested rate and was also scam online by 2 loan companies who promised to help me, I promised never to apply for loans online until one faithful day when a fellow nurse working in the same hospital with me told me how she got a loan that help her invest in Gold and Silicon oil business and the interest rate was low, after the discussion I quickly asked for the lender details and she gave me the email of the God sent lender which I contacted immediately via email; ( martinlucianoworldwideloans@hotmail.com ) a God fearing Man, and they emailed back to my surprise, so I followed the steps and today I am happy to tell you I was offered a loan of my desire without any stress non delay which we are using to set up a good business, if any of you reading needs a loan with security and best assured company do contact Martin Luciano World Wide Loans Financial Services via email ( martinlucianoworldwideloans@hotmail.com ) today and I promise you that this reputable loan company would meet to your request and put smiles on your faces.

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  42. Good day!!!

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  43. OMG !!! I have been scammed before and saw some wonderful testimony about this man called ELLIOT OLIVE with this email address:elliotoliveloanfirm@yahoo.com OR elliotoliveloanfirm@gmail.com OR elliotoliveloanfirm@hotmail.com and when I contacted him I was afraid because of my past experiences and to my greatest suprise he grant me this loan amount of $50,000.00 am so happy today... CONTACT HIM:elliotoliveloanfirm@yahoo.com OR elliotoliveloanfirm@gmail.com OR elliotoliveloanfirm@hotmail.com

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