In different centuries and eras, humanity has been subjected to terrible diseases and epidemics. Nowadays, people are gripped by a wave of another, insidious and unpredictable disease, the name of which is credit addiction. It would seem that what’s terrible about borrowing money for a while? Newspapers, television, the Internet, and just street poles are teeming with bright and smiling advertisements for loans. Live now, buy your dream, get money in twenty minutes, simplicity and speed in registration, and these advertisements promise anything. Why has credit become such a popular way of living and what is its danger? Money has always been a symbol of wealth and good material condition. They often act magnetically - as soon as you put a couple of large bills in your wallet, you already feel like a confident and strong person who can do anything. They replace any drugs, giving people a unique feeling of freedom and joy of life. But these feelings are deceptive. And when applying for another loan, people fall into a very dangerous dependence for themselves. Of course, not everyone is susceptible to this mania. Smart and enterprising people understand that money is a tool for achieving specific goals, and they use it wisely. But a large number of people often do not even realize what it means to live on credit, and what the consequences may be. To test yourself, you can try taking a short test. Here are a few simple questions. Try to answer them honestly: Have you ever taken out a loan for household appliances that are not on the list of the most necessary things (refrigerator, washing machine, etc.)? Do you often borrow money from friends or work colleagues? Have you ever take out a loan to pay off a previous debt? Do you clearly plan your expenses for the next couple of months? Having borrowed money from a friend, can you put off returning it for other pleasures (going to the cinema or going somewhere on the weekend)? You don’t know exactly how much can you earn for the next month? Have you never saved money for a big purchase? Do you not have savings that amount to more than three monthly salaries? Do you easily borrow money, counting on vague success in the future, and not on your specific earnings? can or do not want to save even a small amount from your income every month? Do you allow yourself to spend more than 10 percent of your salary on entertainment? Do you pay utility bills or telephone bills at the last minute or late? If you answered yes to more than 5 questions – you are potentially dependent on loans. Or no longer potentially, but actually. Promises of easy money often mislead people. They think that they will return them just as easily and very soon. But the wrong attitude towards finance very often leads to disastrous consequences. In the best case, your debts grow several times, and in order to pay them off, you have to work several times more and limit yourself in everything. It happens much worse - people, unable to find a way out of a difficult financial situation, borrow again and again , and ultimately lose their entire fortune. If we talk about the credit boom in the global sense, then things are not much better here. Residents of many countries have long been accustomed to the fact that everything they seem to have is actually taken on credit. The houses, cars, education or business do not actually belong to them. Starting to earn a little more, people buy new, more expensive goods, again on credit. The state encourages such aspirations in every possible way. But where they will lead in the near future is difficult to predict even for many specialists in the field of macroeconomics. Why does credit dependence arise, let's look at the reasons for this “disease of our time” - credit dependence: The desire to look wealthier in one’s own eyes and in the eyes of others than one actually is. The catalyst for this state is often envy and the desire to assert oneself. The impact of advertising.Many people are highly susceptible to it; we can say that advertising has an almost hypnotic effect on them. Shopping mania that requires money. Inept waste of earned money. Living only for today, without thinking about the future. Lack of sources of income or unstable receipt of them. Loans and debts are a consequence of inept distribution of funds. Take control of your money - start maintaining a personal budget. This article is devoted to the topic of loans and debts, since this issue is extremely important and interests many people in our time. Indeed, consumer loans or mortgages are advertised from all angles, especially since they are really easy to take out, and debts can quietly grow to large sizes. It’s easy to take, but giving back is not so easy if you don’t know a working method that allows you to do everything step by step and in a short time. Today we’ll talk about how to get rid of loans and debts and do it quickly. It doesn’t matter what kind of debt you have - it could be a mortgage, consumer loans, credit cards, etc. When a person has a lot of debts, it begins to burden him, because if there is a delay in payments, the bank will call and remind you that you owe them, and it’s also inconvenient in front of your friends when you owe money and cannot pay everything back on time. There is one very effective method that really works - it has been tested in practice and by more than one person. This method will not only show how to get rid of loans and debts, but will also provide an opportunity to benefit from this situation. Let's consider the specific steps that need to be taken: Initially, conduct an audit of your debt obligations (simple and credit). Keeping everything in your mind won't do any good. Take a notebook or notepad, you can also use a computer and write down each of your debts - car loan, mortgage loan, credit cards, consumer loans, etc. Next, write down the amount of payments that you pay monthly. After that, calculate how many months are left until the end of your payments each loan. In this way, you must analyze each of your loans so that you get a diagram that indicates which loan, what payments and how much is left to pay (weeks, months or years). Even if you have recorded all this on the computer, be sure to transfer it to paper so that there is a visual diagram that will organize all your debts, and your thoughts too. This is very important to do and you cannot do without it. Remember, if you haven’t put your thoughts on paper, you can assume that they never happened. When your scheme is ready, number all your debts and loans - start with the smallest, that is, with the one that can be repaid the fastest. Now let's talk directly about how to get rid of loans and debts. If you owe money to specific people, agree to pay it back gradually, in small amounts. We start paying off debts with the smallest amount - try to make a larger payment each month than necessary. For example, if you need to deposit 1500 rubles, try to pay 2000, 2500 or more. We make payments in such a way that the loan is closed not in a year, but in 7-8 months. After the smallest loan is repaid, the money that was spent on payments on it will be freed up. You don’t spend this money, but transfer it to your next debt. That is, you make your regular payments, plus the additional payment that you made for the previous loan. In addition, try to speed up its repayment too. When these two loans are repaid, the cash contributions from them are transferred to the next one and so on. Psychology of reward If you think that you will have to strain all the time and there will be no relief, then you are mistaken, so How the human psyche cannot withstand such a way of life for long. Therefore, after repaying your next loan, be sure to give yourself a gift - buy some good thing, go to a cafe or an amusement park. In general, please yourself - positive emotions are easy!