Managing my debts

I’m 25 now, and I want to be debt free by the time I turn 26… so I’m going to do some work on managing my debts more effectively.

If I’m going to be debt free by my 26th birthday, I need to improve my debt management skills – and I’m going to do this by creating a budget.

To create a budget, I’m going to follow an online guide I found last night. I have to write down my income and expenditure, then subtract my ‘essential spending’ from my income. This will leave me with my disposable income – which is the money I can use to repay my unsecured debts…

I believe the best way to start improving your debt management skills is to create a budget.

Creating a budget is pretty simple – and can be done more quickly than you might think. All you’ve got to do is note down your monthly income, then your monthly expenditure (the amount of money you spend on essential costs such as your mortgage/rent, utility bills and food).

Once you have these totals, just subtract your expenditure from your income and you’ll be left with your disposable income. This money is what you use to repay your debts each month. If you have any money spare after doing this, you could use it to overpay your debts.

I have decided that I will enter a debt management plan to repay my debts.

My debts have been piling up for some time now, and I’m really struggling with them. I can’t afford to make all of my debt payments each month – which is very worrying.

So, after seeking debt advice, I found that a debt management plan would be the most suitable debt solution for me. I am due to enter my debt management next week… the final preparations are just taking place now.

When on my debt management plan, I will make just one monthly payment instead of several – and it will be a payment that’s based on my actual circumstances, so I should be able to afford it.

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Partner in Shipping

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