Debt Free

In today's world, how many of us are debt free?

We could be in debt in areas such as credit card debt, hire purchase debt, student loans and others.

The financial and psychological burden of being in debt causes us and our families continuous emotional stress. That stress eats away at the quality of our lives and leaves us feeling powerless, angry, depressed and helpless.

So, what should we do in order to getting out of debt? Here are some of the ways.

- Track our expenses
- Negotiate better interest rates and payment terms
- create debt payment system (pay off the highest interest rate debts first
- do our budgeting
- don't spend future money