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How to reduce economic bills are relatively easy if you follow some basic tips and debt economic information to help you see when the total debt economy is leading to the danger zone. Debt is not bad if you know how to use it. You should learn to avoid the problems caused by stress, to remain without a debt on the cheap.

You should be aware that lenders use the funds spent suggestions in the evaluation and approval of credit programs score. If the debt exceeds the financial guidelines suggested in their proposals, then there is a greater chance of being declined credit score programs.Use the following suggested spending money (the same as those used by financial institutions) to examine the elements of the budget:

1. Housing should take about 35% of the budget;

2. Transfer requires 20%;

3. Other expenditure of 20%, which includes:

Mortgage or rent, taxes, problems, improvements, insurance and utilities;

Monthly bills, gas, oil, insurance issues, parking and public transport;

Expenditure on food, insurance, solutions, medical and dental, clothing

4. Transaction requires 15% debt and

5. Savings & Investments covers about 10%.

Get the rate of its debt and income. You should know the importance of its economic debt coverage in your state of economic globalization. Your rate of income, the percentage of your debt in 30 days net pay will pay the bills. It can be determined by taking the amount needed to pay monthly bills and divide your pay. Remember to include only the actual amount that goes to debt repayment in economic development.

If you were able to pay a ticket, not close the account immediately, because if you do, in fact negatively impact your credit score. The reason for this negative result is in dealing with credit debt. If you pay a ticket, it reduces the economic debt, but if you close the account, you also reduce the limit of debt you have, and usually a higher percentage of what they are reducing the declaration debt.

Do not settle for less than the bills on your cards. Pay only $ 10 more than 30 days on a map, above the minimum required transaction can reduce your repayment period of the half, if not more! Next, the operation in excess, however small, to do so within 30 days, and enjoy the addition to the final outcome of your way to reduce the debt economy.