The first part of the article is here How to start controlling your expenses and start getting rid of loans and debts? That is, start taking concrete steps to correct the situation? First, it’s worth understanding the reason for thoughtless purchases: - boredom; - negative psychological state; - stress; - I fill my time like this, “out of nothing to do”; - I want to reward myself in this way; - I want to confirm my status, raise my self-esteem; - I want , like others. Envy. I suggest doing a simple exercise that will help you figure out what you associate money with: Exercise 1. Associations to money Write a list of what you associate money with. The next aspect to work through is understanding what we need to do. really for happiness and for survival. Ask yourself a question - what is really necessary for life? Another exercise: Exercise 2. When I felt happy Write a list of moments when you were truly happy. And another exercise that will help you realize the sensations at the moment when you make another useless purchase: Exercise 3. Useless purchase Go to the store and make another useless purchase. Let it be your last useless purchase. At the moment of making a useless purchase, carefully track all your feelings and thoughts at the time of making this purchase. Are there really feelings of joy? The strategy for getting rid of debts and loans described here is based on just two key principles: 1. Awareness of the factor of impulsive purchases2. Controlling your expenses This is what makes the strategy effective, its simplicity and clarity! A frequent objection can be heard: “Well, what if I couldn’t do anything with my loans before? What could suddenly change now?” The reason for the objection is that in many respects the decision impulsive buying is perceived by the childish part of a person. And it is necessary to involve the Adult ego state in making decisions and assessing what is happening. Yes, getting rid of debts will not happen overnight, with a snap of your fingers. But, if before the situation did not improve in any way, then with the help of this strategy you can begin to correct the situation without extra efforts and internal resistance. What other actions need to be taken on the way to getting rid of loans and debts? Get rid (completely!) of credit cards Stop using virtual money . Pay with cash because it is tangible and you can touch it. The money that is on the card is not tangible. And our consciousness does not record the fact of parting with money as with something real. Make a list of irrational expenses: fast food, cigarettes, alcohol, drugs. Restructure debts. Pay off your worst debts. Agree with creditors to soften the terms. Get rid of unnecessary things. Sell ​​some things. Give something. Thereby freeing up space for new energy!6. Create a table of expenses. Regularly record expenses. Structure the expense table. Approximate structure: food, entertainment, training, gasoline, car, equipment, pharmacy, everyday life, cosmetics, taxes, debt repayment. Complete the list with those items that you consider necessary. I use the EasyFinance.7 application for financial accounting. You can create a debt table in Excel or Google Sheets. Record changes every month. Determine the percentage of each debt to the total amount.8. For the “Expenses” and “Debts” tables, set planned indicators. Strive for these indicators. Record deviations from planned indicators. As you can see, to correct the financial situation you will, of course, have to work hard. But this is a doable task. Think about what benefits you will get from being able to afford to live debt-free? Do you want to get rid of debts and loans? Contact WhatsApp / Telegram for detailed advice 8 902 0704879