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You’re addicted to credit cards
Another reason your high level of debt is probably because you’re addicted to credit cards.

You do not have one, but several credit cards, and every time you have the opportunity to use you do, even if just have to make a purchase ordinary.

You use your credit cards to purchase without being aware of the high interest rates you can get cash, or the expenses you incur for the sake of having them.

Do not save
Finally, another reason why you’re probably in debt you do not have the habit of saving.

Do not have a financial plan to help you control your spending and earmark a certain portion of your income to a stock savings.

But each month you spend all the money you earn (or worse yet spend more than you earn), or simply spend without control and just save the little money that is left at the end of the month.

The first step to getting out of debt is to understand the reasons why we have borrowed so much.

If you currently have a high level of indebtedness, I present below some of the reasons why you might be in debt, and that should work if you ever want to meet your goal to get out of debt.

Compulsive shopping
The first reason why you’re probably in debt is because you a “shopaholic.”
You like shopping and buy all the products that are fashionable without being aware of the spending you’re doing, and not caring that your financial situation because you’re not in a position to pay.
Shopping for the simple pleasure of it, and do not care much if the product that you buy do not go to serve, or probably never get to use it.

You make unnecessary expenditures
Probably will not be an impulse buyer, but you have the habit of making unnecessary expenses.
For example, you subscribe to magazines that do not normally read, eat out when you can do at home, buy new when you can buy used, buy when you can rent, spend unnecessarily on coffee, cigarettes, bottled water, etc.

You have a habit of buying credit
Another reason why you’re probably in debt is because you believe that consumer credit is an opportunity you can not miss.
When you buy something and do not have enough cash, you think the solution is to apply for credit, and do not mind that the final product ends up costing you twice what you paid for it.

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Finally. We already talked about how dangerous it could be called to go to financial intermediaries or loan companies’ reunification. It was outrageous that these companies could operate without adequate regulation that left consumers unprotected.

Well, finally have been put to work and the government has approved a draft law regulating the lending and mortgage lending companies that are not financial institutions and brokerage services debt consolidation .

Here are the most interesting points of this bill:

*Ability to enable consumers to cancel within 14 days, since any pre-contractual information must be forwarded to the consumer fifteen days before the formalization of the operation. Read the rest of this entry »