It’s easy to say: get a grip. However, when you get into a debt spiral, it’s not that easy. Already every second Pole admits that his family has a debt to pay – results from the poll of the Public Opinion Research Center. Debts can have many causes and are not always due to weakness or bad will. Sometimes it’s a combination of several factors. Our mind responds best to what is new and pleasant.
We are exposed to consumerism and advertising every day. In everyday life, it seems to us that we control our whims and whims. However, we are moving in a multidimensional world, where millions of stimuli reach us every minute that stimulate our needs. We know what we should do, but on the other hand, we have to resist various temptations throughout the day we wake up. With each and every bit, think about it, isn’t it a good idea? While we do well in the morning, temptations become stronger around 8pm, and we decide to get a loan more easily. Before we see it, we fall into a debt spiral.
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Financial? CHECK MORE Problems with debts are a shameful problem for many borrowers, especially when there is a problem with paying off their debts. Research shows that 25% of indebted people do not know how to deal with the problem or do not intend to solve it at all. A large group of indebted respondents undertakes irrational actions – they avoid contact with a debt collection company, avoid phone calls, do not receive mail, etc.
Few people know that real help can be expected from a debt collector. As a result of feeling ashamed and afraid of falling into a state of excessive indebtedness, it may be the passivity of indebted persons. This passivity is usually manifested by postponing the problem into an indefinite future and avoiding contact with a debt collection company. This is the worst possible solution. The creditors will not disappear and sooner or later the debt will have to be paid, so try to get along with the creditor.
If you are characterized by an increased tendency to get into debt and you happen to make a quick financial decision, remember to plan your expenses carefully and watch out so that you don’t spend too much. Give priority to paying your bills in a timely manner and try to save regularly.