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Nairaland Forum / Nairaland / General / Business / 8 Dumb Habits That Are Keeping You In Debts (30338 Views)
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8 Dumb Habits That Are Keeping You In Debts by Tjosh97: 7:38pm On Jan 14, 2015 |
"A hundred wagon loads of thoughts will not pay a single ounce of debt” goes an Italian proverb. You need to take action to tame your debt monster. Let’s put your financial house in order by kicking out these 8 dumb habits that are keeping you in debt. Lack of Strategy Without a strategy, you never know whether or not you are doing things right. Start by assessing how bad the situation is. 1. Not Having a Monthly Budget 2. Ignoring How Much Debt You Owe 3. Not Calculating Your Debt-to-Income Ratio 4. Paying Bills Past Due Date 5. Breaking Up Payments Into Installments 6. Not Reviewing Your Monthly Bills 7. Spending Money Ear-Marked for Bills 8. Using ATMs Outside Your Network 22 Likes 4 Shares |
Re: 8 Dumb Habits That Are Keeping You In Debts by BeeBeeOoh(m): 7:41pm On Jan 14, 2015 |
Jotted down.. What about "8 wise habits that will be keeping you in credits??..na wetin I need naw abeg.. Yes!! Man up-front again??..d lawd is really rewarding my joblessness wit FTC cum FP tins. Wearing mai crash helment & bullet-proof 4a a teribul quaker oath, if u tiwa dis wawastic mendu hit like maka na d gods dikwa veri wise. AYAM KARID.. 27 Likes |
Re: 8 Dumb Habits That Are Keeping You In Debts by yomi007k(m): 11:04pm On Jan 14, 2015 |
I like these guys. This is where I belong. 9)Not controlling spendin on flexing-i.e booze, party. 10)A parasitic bae. 16 Likes |
Re: 8 Dumb Habits That Are Keeping You In Debts by gametalk: 7:06am On Jan 16, 2015 |
Thanks for the post! Always write correctly. |
Re: 8 Dumb Habits That Are Keeping You In Debts by Nobody: 8:58pm On Jan 16, 2015 |
. |
Re: 8 Dumb Habits That Are Keeping You In Debts by seangy4konji: 8:59pm On Jan 16, 2015 |
Oh yeah? |
Re: 8 Dumb Habits That Are Keeping You In Debts by Impulse80(m): 8:59pm On Jan 16, 2015 |
13 Likes 1 Share
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Re: 8 Dumb Habits That Are Keeping You In Debts by Lordmykel(m): 8:59pm On Jan 16, 2015 |
Watin concern me wey no get bank account 1 Like |
Re: 8 Dumb Habits That Are Keeping You In Debts by WhoDeyThere(m): 9:00pm On Jan 16, 2015 |
a |
Re: 8 Dumb Habits That Are Keeping You In Debts by Nobody: 9:00pm On Jan 16, 2015 |
God punish debt. I'm not indebted to anyone, so I have no dumb habits as far as money is concerned. |
Re: 8 Dumb Habits That Are Keeping You In Debts by ruffhandu: 9:00pm On Jan 16, 2015 |
I do not quite agree with No's. 5 & 8 5. Breaking Up Payments Into Installments. If for any reason you are indebted to the tune of 100k and your monthly earning is 40k. What do you do? Pay with blood so as to avoid payment by installments? In fact, the tinier you are allowed to break the installments, the more convenient, unless if unpaid balance attracts charges. 8. Using ATMs Outside Your Network If what you mean by this the use of other banks' ATM, then you might as well advise against the use of ATM in the first place. ATM is for some kind of emergency. What if this emergency arises where you bank's ATM does not exist, what do you do? You wait? Or keep searching? You may not be able to afford that luxury at the time. 14 Likes |
Re: 8 Dumb Habits That Are Keeping You In Debts by Lordmykel(m): 9:01pm On Jan 16, 2015 |
WhoDeyThere:a what? 1 Like |
Re: 8 Dumb Habits That Are Keeping You In Debts by peterjero(m): 9:01pm On Jan 16, 2015 |
I pray I keep to that this year, because I'm a spendthrift |
Re: 8 Dumb Habits That Are Keeping You In Debts by gistmelove(m): 9:01pm On Jan 16, 2015 |
Ok
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Re: 8 Dumb Habits That Are Keeping You In Debts by tbaby534(f): 9:01pm On Jan 16, 2015 |
New year, no debt |
Re: 8 Dumb Habits That Are Keeping You In Debts by Onyiido: 9:01pm On Jan 16, 2015 |
Hmmmm that is for spenders not me |
Re: 8 Dumb Habits That Are Keeping You In Debts by Nobody: 9:02pm On Jan 16, 2015 |
I have no idea what most of those stuff means, but I'm not in debt... |
Re: 8 Dumb Habits That Are Keeping You In Debts by Nmeri17: 9:03pm On Jan 16, 2015 |
not applicable to us creditors |
Re: 8 Dumb Habits That Are Keeping You In Debts by gemiclem(m): 9:03pm On Jan 16, 2015 |
ghen ghen |
Re: 8 Dumb Habits That Are Keeping You In Debts by intergral(m): 9:03pm On Jan 16, 2015 |
I ddey come |
Re: 8 Dumb Habits That Are Keeping You In Debts by Lilaex: 9:04pm On Jan 16, 2015 |
K |
Re: 8 Dumb Habits That Are Keeping You In Debts by bynat(f): 9:05pm On Jan 16, 2015 |
[b][/b]Stamped |
Re: 8 Dumb Habits That Are Keeping You In Debts by Nobody: 9:05pm On Jan 16, 2015 |
America is in debt sef so what is my own Nakid I came into world ,stark nakid shall I return 8 dumb habits ko,666 dumb rabbits ni 1 Like |
Re: 8 Dumb Habits That Are Keeping You In Debts by lexdino: 9:05pm On Jan 16, 2015 |
I rep NoFap |
Re: 8 Dumb Habits That Are Keeping You In Debts by Nobody: 9:06pm On Jan 16, 2015 |
Nice write up |
Re: 8 Dumb Habits That Are Keeping You In Debts by Jinyjagz(m): 9:07pm On Jan 16, 2015 |
. |
Re: 8 Dumb Habits That Are Keeping You In Debts by Joskiro50: 9:08pm On Jan 16, 2015 |
fp tinz. A proof that this year is gonna rock for me! |
Re: 8 Dumb Habits That Are Keeping You In Debts by richgang(m): 9:09pm On Jan 16, 2015 |
... |
Re: 8 Dumb Habits That Are Keeping You In Debts by InvertedHammer: 9:09pm On Jan 16, 2015 |
/ Not applicable to people living in Nigeria especially on person-to-person level. If you are in debt in Nigeria: 1) Learn how to tell long stories. 2) Invoke God in all your dealings 3). Learn some new dodging techniques. And for creditors: Be careful, the higher the debt, the more likely your debtor may poison or do you in. \ 3 Likes |
Re: 8 Dumb Habits That Are Keeping You In Debts by Nobody: 9:09pm On Jan 16, 2015 |
Lordmykel: Lol |
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