Ways to decrease debt

Ways to decrease debt

When we look back over time, it’s easy to see where we stepped into debt, compounded more debt, and didn’t manage money well so the debt kept growing. This might have been a big ticket purchase like a holiday or new car, changes to your family, or a period of lower income.

What’s also easy is to feel overwhelmed by financial burden. What many people in this situation don’t realise is that by ignoring the problem and not taking action, you can find yourself in a debt spiral that is tricky to recover from.

Don’t panic. Out of control debt is uncomfortable but advice and some changes to the way your finances are structured is a big part of a financial recovery plan. A qualified financial planner can help to set you on your way to more effective money management.

Do the sums and work out where your money goes. What do you spend the most money on? Think about ways to cut down how much you spend. This might be cancelling subscriptions you don’t use, trimming non-essentials out of your grocery bill, taking public transport to work instead of driving, spending less on entertainment, and generally cutting out luxury items. Work out a budget for each pay period, and stick to it religiously.

Work out which are your non-negotiable expenses, such as your mortgage repayment, and take care of these first. It’s all about prioritisation. This financial recovery plan is about lowering your debt load and protecting your credit history, so make sure you don’t lose sight of the big picture. Check your home loan interest rate; if it’s not a good deal, talk to your lender to negotiate a lower interest rate.

Next, determine which is your most expensive debt. This will be whatever has the highest interest rate rather than what is the biggest debt. Chances are, it will be a store card or credit card. Making the minimum payment on a credit card does nothing to reduce the debt, it just pays some of the interest so the debt will keep growing unless you are able to pay it down. Take the money you are saving from your budget-trimming exercise and pay it off the credit card until the debt is gone.

Once the card is paid off, add the monthly minimum repayment to the extra sum you committed to paying it down, and start the process on your next most expensive debt. Add these two amounts to the minimum payment on that debt, and you’re off. Some people call this the Snowball Method of decreasing debt.

If this doesn’t sound like something you could commit to, there are other steps you can take to manage your money better and take control of debt, such as refinancing to consolidate your debts into a lower interest rate loan. Talk to a financial planner to work out which will be the best path to financial recovery so you can decrease your debt, increase your savings, and grow wealth.

By Marie Mortimer. You can follow Marie on Google+

Image credit: SeniorLiving.org

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WHERE [ABVariantPath] = @ABVariantPath AND [ABVariantSiteID] = @ABVariantSiteID
SimpleHandler`2.StartEvent 0.000
 
CloseConnection()
SimpleHandler`2.StartEvent N/A
OpenConnection()
PageContext.CurrentPage_InitComplete N/A
11
(cms.blogpost.generalselect)
DECLARE @DocumentCulture nvarchar(max) = N'en-AU';

SELECT *
FROM View_CMS_Tree_Joined AS V WITH (NOLOCK, NOEXPAND) INNER JOIN CONTENT_BlogPost AS C WITH (NOLOCK) ON V.DocumentForeignKeyValue = C.BlogPostID AND V.ClassName = N'CMS.BlogPost' LEFT OUTER JOIN COM_SKU AS S WITH (NOLOCK) ON V.NodeSKUID = S.SKUID
WHERE (NodeID = 2562) AND [DocumentCulture] = @DocumentCulture
Table (1 [169], 4.9 kB)
 
PageContext.CurrentPage_InitComplete 0.016
 
CloseConnection()
PageContext.CurrentPage_InitComplete N/A
OpenConnection()
PageContext.CurrentPage_InitComplete N/A
12
(om.mvtest.generalselect)
DECLARE @MVTestPage nvarchar(max) = N'/News-Media/Blog/April-2015/Ways-to-decrease-debt';
DECLARE @MVTestSiteID int = 1;

SELECT *
FROM OM_MVTest
WHERE [MVTestPage] = @MVTestPage AND [MVTestSiteID] = @MVTestSiteID
PageContext.CurrentPage_InitComplete 0.000
 
CloseConnection()
PageContext.CurrentPage_InitComplete N/A
OpenConnection()
PageContext.CurrentPage_InitComplete N/A
13
(cms.personalization.selectall)
SELECT TOP 1 *
FROM CMS_Personalization
WHERE PersonalizationUserID = 65 AND PersonalizationDocumentID = 2557
PageContext.CurrentPage_InitComplete 0.000
 
CloseConnection()
PageContext.CurrentPage_InitComplete N/A
OpenConnection()
BasicRepeater.OnLoad N/A
14
(.generalselect)
DECLARE @NodeSiteID int = 1;
DECLARE @Now datetime2 = '4/26/2017 5:54:57 PM';
DECLARE @NodeGUID uniqueidentifier = '48447a53-1f66-46bb-9370-f6b8c69a9caa';
DECLARE @RelationshipName nvarchar(max) = N'isrelatedto';
DECLARE @DocumentCulture nvarchar(max) = N'en-AU';
DECLARE @CMS_C int = 1;

SELECT *
FROM (
SELECT *, ROW_NUMBER() OVER (PARTITION BY NodeID ORDER BY CASE WHEN [DocumentCulture] = @DocumentCulture THEN 1 ELSE 2 END, DocumentCulture) AS [CMS_C]
FROM View_CMS_Tree_Joined AS V WITH (NOLOCK, NOEXPAND) INNER JOIN CONTENT_Article AS C WITH (NOLOCK) ON V.DocumentForeignKeyValue = C.ArticleID AND V.ClassName = N'CMS.Article' LEFT OUTER JOIN COM_SKU AS S WITH (NOLOCK) ON V.NodeSKUID = S.SKUID
WHERE [NodeSiteID] = @NodeSiteID AND (([DocumentCanBePublished] = 1 AND ([DocumentPublishFrom] IS NULL OR [DocumentPublishFrom] <= @Now) AND ([DocumentPublishTo] IS NULL OR [DocumentPublishTo] >= @Now)) AND [NodeID] IN (
SELECT [RightNodeID]
FROM CMS_Relationship LEFT OUTER JOIN CMS_RelationshipName ON CMS_Relationship.RelationshipNameID = CMS_RelationshipName.RelationshipNameID
WHERE [LeftNodeID] IN (
SELECT [NodeID]
FROM CMS_Tree
WHERE [NodeGUID] = @NodeGUID
) AND [RelationshipName] = @RelationshipName
) AND [DocumentCulture] = @DocumentCulture)
) AS SubData
WHERE [CMS_C] = @CMS_C
1.3 kB
 
BasicRepeater.OnLoad 0.000
 
CloseConnection()
BasicRepeater.OnLoad N/A
OpenConnection()
N/A
15
(.generalselect)
DECLARE @NodeSiteID int = 1;
DECLARE @Now datetime2 = '4/26/2017 5:54:57 PM';
DECLARE @NodeGUID uniqueidentifier = '48447a53-1f66-46bb-9370-f6b8c69a9caa';
DECLARE @RelationshipName nvarchar(max) = N'isrelatedto';
DECLARE @DocumentCulture nvarchar(max) = N'en-AU';
DECLARE @CMS_C int = 1;

SELECT *
FROM (
SELECT *, ROW_NUMBER() OVER (PARTITION BY NodeID ORDER BY CASE WHEN [DocumentCulture] = @DocumentCulture THEN 1 ELSE 2 END, DocumentCulture) AS [CMS_C]
FROM View_CMS_Tree_Joined AS V WITH (NOLOCK, NOEXPAND) INNER JOIN CONTENT_BlogPost AS C WITH (NOLOCK) ON V.DocumentForeignKeyValue = C.BlogPostID AND V.ClassName = N'CMS.BlogPost' LEFT OUTER JOIN COM_SKU AS S WITH (NOLOCK) ON V.NodeSKUID = S.SKUID
WHERE [NodeSiteID] = @NodeSiteID AND (([DocumentCanBePublished] = 1 AND ([DocumentPublishFrom] IS NULL OR [DocumentPublishFrom] <= @Now) AND ([DocumentPublishTo] IS NULL OR [DocumentPublishTo] >= @Now)) AND [NodeID] IN (
SELECT [RightNodeID]
FROM CMS_Relationship LEFT OUTER JOIN CMS_RelationshipName ON CMS_Relationship.RelationshipNameID = CMS_RelationshipName.RelationshipNameID
WHERE [LeftNodeID] IN (
SELECT [NodeID]
FROM CMS_Tree
WHERE [NodeGUID] = @NodeGUID
) AND [RelationshipName] = @RelationshipName
) AND [DocumentCulture] = @DocumentCulture)
) AS SubData
WHERE [CMS_C] = @CMS_C
1.3 kB
 
BasicRepeater.OnLoad 0.000
 
CloseConnection()
BasicRepeater.OnLoad N/A
OpenConnection()
N/A
16
(.generalselect)
DECLARE @NodeSiteID int = 1;
DECLARE @Now datetime2 = '4/26/2017 5:54:57 PM';
DECLARE @NodeGUID uniqueidentifier = '48447a53-1f66-46bb-9370-f6b8c69a9caa';
DECLARE @RelationshipName nvarchar(max) = N'isrelatedto';
DECLARE @DocumentCulture nvarchar(max) = N'en-AU';
DECLARE @CMS_C int = 1;

SELECT *
FROM (
SELECT *, ROW_NUMBER() OVER (PARTITION BY NodeID ORDER BY CASE WHEN [DocumentCulture] = @DocumentCulture THEN 1 ELSE 2 END, DocumentCulture) AS [CMS_C]
FROM View_CMS_Tree_Joined AS V WITH (NOLOCK, NOEXPAND) INNER JOIN CONTENT_PressRelease AS C WITH (NOLOCK) ON V.DocumentForeignKeyValue = C.PressReleaseID AND V.ClassName = N'CMS.PressRelease' LEFT OUTER JOIN COM_SKU AS S WITH (NOLOCK) ON V.NodeSKUID = S.SKUID
WHERE [NodeSiteID] = @NodeSiteID AND (([DocumentCanBePublished] = 1 AND ([DocumentPublishFrom] IS NULL OR [DocumentPublishFrom] <= @Now) AND ([DocumentPublishTo] IS NULL OR [DocumentPublishTo] >= @Now)) AND [NodeID] IN (
SELECT [RightNodeID]
FROM CMS_Relationship LEFT OUTER JOIN CMS_RelationshipName ON CMS_Relationship.RelationshipNameID = CMS_RelationshipName.RelationshipNameID
WHERE [LeftNodeID] IN (
SELECT [NodeID]
FROM CMS_Tree
WHERE [NodeGUID] = @NodeGUID
) AND [RelationshipName] = @RelationshipName
) AND [DocumentCulture] = @DocumentCulture)
) AS SubData
WHERE [CMS_C] = @CMS_C
1.3 kB
 
BasicRepeater.OnLoad 0.016
 
CloseConnection()
BasicRepeater.OnLoad N/A
OpenConnection()
CMSWebParts_Viewers_Basic_BasicRepeater.OnPreRender N/A
17
(cms.blogpost.generalselect)
DECLARE @NodeSiteID int = 1;
DECLARE @Now datetime2 = '4/26/2017 5:54:57 PM';
DECLARE @NodeAliasPath nvarchar(max) = N'/News-Media/Blog/April-2015/Ways-to-decrease-debt';
DECLARE @DocumentCulture nvarchar(max) = N'en-AU';

SELECT *
FROM View_CMS_Tree_Joined AS V WITH (NOLOCK, NOEXPAND) INNER JOIN CONTENT_BlogPost AS C WITH (NOLOCK) ON V.DocumentForeignKeyValue = C.BlogPostID AND V.ClassName = N'CMS.BlogPost' LEFT OUTER JOIN COM_SKU AS S WITH (NOLOCK) ON V.NodeSKUID = S.SKUID
WHERE [NodeSiteID] = @NodeSiteID AND (([DocumentCanBePublished] = 1 AND ([DocumentPublishFrom] IS NULL OR [DocumentPublishFrom] <= @Now) AND ([DocumentPublishTo] IS NULL OR [DocumentPublishTo] >= @Now)) AND [NodeAliasPath] = @NodeAliasPath AND [DocumentCulture] = @DocumentCulture)
ORDER BY BlogPostDate DESC
796 B
 
Table (1 [169], 4.9 kB)
 
CMSWebParts_Viewers_Basic_BasicRepeater.OnPreRender 0.016
 
CloseConnection()
CMSWebParts_Viewers_Basic_BasicRepeater.OnPreRender N/A
  17 queries, 14.7 kB write, 23 kB read   0.094
Macros resolved in the content of this page:
 ExpressionResultUserContextDuration
1 {% CanonicalURL != "" %} False CMSAbstractWebPart.OnInit 0.000
 
> CanonicalURL != "" False 0.000
 
2 {% NoFollow %} null 0.000
 
> NoFollow null 0.000
 
3 {% IncludeOptimizely %} null 0.016
 
> IncludeOptimizely null 0.000
 
4 {% DisclaimerContent %} null PageContext.CurrentPage_InitComplete 0.000
 
> DisclaimerContent null 0.000
 
5 {% CanonicalURL != "" %} False CMSAbstractWebPart.OnInit 0.000
 
> CanonicalURL != "" False 0.000
 
6 {% NoFollow %} null 0.000
 
> NoFollow null 0.000
 
7 {% IncludeOptimizely %} null 0.000
 
> IncludeOptimizely null 0.000
 
8 {% DisclaimerContent %} null PageContext.CurrentPage_InitComplete 0.000
 
> DisclaimerContent null 0.000
 
9 {% pagetitle_orelse_name %} Ways to decrease debt - Loans.com.au DocumentBase.Load 0.000
 
> pagetitle_orelse_name Ways to decrease debt - Loans.com.au 0.000
 
10 {% CurrentDateTime.Hour %} 17 FIRSTMAC-srvc-kentico CMSWebParts_General_javascript.OnPreRender 0.000
 
> CurrentDateTime.Hour 17 FIRSTMAC-srvc-kentico 0.000
 
11 {% CurrentDateTime.Hour %} 17 FIRSTMAC-srvc-kentico 0.000
 
> CurrentDateTime.Hour 17 FIRSTMAC-srvc-kentico 0.000
 
12 {% CurrentDateTime.Hour %} 17 FIRSTMAC-srvc-kentico 0.000
 
> CurrentDateTime.Hour 17 FIRSTMAC-srvc-kentico 0.000
 
13 {% CurrentDateTime.Hour %} 17 FIRSTMAC-srvc-kentico 0.000
 
> CurrentDateTime.Hour 17 FIRSTMAC-srvc-kentico 0.000
 
      
Web farm synchronizations done by this page:
 Task typeTargetDataContext
1 DICTIONARYCOMMAND DELETEITEMINT¦om.contact_ContactID¦3159397 SimpleHandler`2.StartEvent
2 DICTIONARYCOMMAND DELETEITEMSTRING¦om.contact_ContactGUID;ContactSiteID¦41e450c0-b7ca-40f9-b6d3-0657d08a5b33|1
3 TOUCHCACHEITEM om.contact|all¦om.contact|byid|3159397¦om.contact|byguid|41e450c0-b7ca-40f9-b6d3-0657d08a5b33 SimpleHandler`2.StartEvent
4 DICTIONARYCOMMAND DELETEITEMINT¦om.contact_ContactID¦3159397 SimpleHandler`2.StartEvent
5 DICTIONARYCOMMAND DELETEITEMSTRING¦om.contact_ContactGUID;ContactSiteID¦41e450c0-b7ca-40f9-b6d3-0657d08a5b33|1
6 INVALIDATEOBJECT om.contact 3159397 SimpleHandler`2.StartEvent
     
ViewState used by the controls of this page:
 Control IDIs dirtyViewStateTotal size
1 form Yes
action = "/news-media/blog/april-2015/ways-to-decrease-debt" (49 B)
49 B
 
2 p
pnlPage
Yes
CssClass = "PagePlaceholder" (15 B)
15 B
 
3 ScriptWebparts
Firstmac_RetailGTMDataLayer
ctrlSessionId1
Yes
Text = "icrswjijgcrzyvywkq540rff" (24 B)
24 B
 
4 ScriptWebparts
Firstmac_RetailGTMDataLayer
ctrlSessionId2
Yes
Text = "icrswjijgcrzyvywkq540rff" (24 B)
24 B
 
5 ScriptWebparts
Firstmac_RetailGTMDataLayer
ctrlSessionId3
Yes
Text = "icrswjijgcrzyvywkq540rff" (24 B)
24 B
 
6 ScriptWebparts
Firstmac_RetailGTMDataLayer
ctrlSessionId4
Yes
Text = "icrswjijgcrzyvywkq540rff" (24 B)
24 B
 
7 pageplaceholder
p
pnlPage
Yes
CssClass = "PagePlaceholder" (15 B)
15 B
 
8 ScriptWebparts
Firstmac_RetailGTMDataLayer
ctrlSessionId1
Yes
Text = "icrswjijgcrzyvywkq540rff" (24 B)
24 B
 
9 ScriptWebparts
Firstmac_RetailGTMDataLayer
ctrlSessionId2
Yes
Text = "icrswjijgcrzyvywkq540rff" (24 B)
24 B
 
10 ScriptWebparts
Firstmac_RetailGTMDataLayer
ctrlSessionId3
Yes
Text = "icrswjijgcrzyvywkq540rff" (24 B)
24 B
 
11 ScriptWebparts
Firstmac_RetailGTMDataLayer
ctrlSessionId4
Yes
Text = "icrswjijgcrzyvywkq540rff" (24 B)
24 B
 
12 pageplaceholder
p
pnlPage
Yes
CssClass = "PagePlaceholder" (15 B)
15 B
 
13 ZoneA
BlogPostsDataSource
srcDocuments
Yes
IsSelected = True
0 B
 
14 BlogPostsRepeater
plcBasicRepeater
N/A
Yes
Yes
Yes
Yes
Yes
Yes
ZeroRowsText = "No data found" (13 B)
ResolveDynamicControls = True
DataSourceName = "BlogPostsDataSource" (19 B)
HideControlForZeroRows = True
DataBindByDefault = False
_!ItemCount = 1
32 B
 
15 dbg
pnlDebugContainer
No
CssClass = "debug" (5 B)
5 B
 
     Total viewstate size: bytes