Debts hang like the sword of Domocles over many of our fellow citizens. My finances have been singing romances For many years now they have been singing... But fate does not give me a chance. ..Look, I’m about to “conquer”...Well, why am I unlucky...Or maybe I’m not lucky...Or maybe I’m leading to the wrong steppe? Look, I’ll become different..I’ll accept the wheel of fortune..And everything will spin according to - to another.. Yes, just as I want.. I will live like a businessman. I will exclude all the machinations of the “world”. Take a sheet of paper, draw a sign. There should be three columns. Label them as reason, debt, way out of debt. The reason may be different - purchasing an apartment, an expensive item, etc. Purchases must be really necessary. If they subsequently turn out to be really unnecessary, then your step was thoughtless and reckless. Repaying a loan for an extra item is a waste of money. And although my finances have been singing romances for a long time... But I’m not at all. Imagine. I’m not moping. I often organize dances for finances. After all, I adore them and appreciate them.. Although there are very few of them, the bill doesn’t bother them.. They don’t flow away from me... And thought is material, it adds to them.. They’re directly afraid of it. like fire... Today everything is at zero - but I’m not discouraged... And here’s luck again - c'est la vie... It’s thick, and then it’s empty - well, I accept it.. And something tells me not to be depressed ..And again spending, spending. again they are expenses... And the change in my wallet is ringing... And here are the calculations again. calculations and offsets..For which fate thanks you in rubles.You should not think about where to get the money. but about what they go to. What is important is the actual need for spending. It is allowed to purchase goods. I will talk about what wasting money is in the next article, if this topic interests anyone. Remove from your spending what you don’t need and can do without. Evaluation must be done critically. If you decide to purchase an item or take out a loan, think about whether this action is necessary for you. Weigh all the pros and cons and make a positive decision only if the pros outweigh. After reviewing your budget and expenses, you can allocate funds to pay debts.