And have you found it hard to carry out such ways?

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Yes in the past I have found it hard to do this, but now I am okay. A good tip for avoiding debt is knowing that everytime you buy somehting on a credit card you are financing or taking a loan. Ex. If you go out to eat and pay with a credit card you are taking a loan out to eat. Simply buy what you need to survive. You can splurge every now and then but try to save your money.

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Stop buying things that you don't need.
Stop watching TV (which makes you want to buy things that you don't need).

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I pay for everything (but my home) with cash. Read Dave Ramsey's Total Money Makeover and you'll see it can be done. Paying cash really does work - you are much more conscious of what you buy and how much you spend. When you count out those dollar bills it really hits home. And by paying cash you are guarenteed not to go into debt. Like I said the only thing I have a loan for is my home and I'm working on having it paid off 17 years early - hopefully by 2012. I bought both my cars with cash and tomorrow I'm going to buy some furniture for my living room with...cash.

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Stay away from credit cards for one.
Stay away from borrowing in general.
Pay as you go and live on less than you make.
Save and get a cash car.
No payments = cash in the bank.
Use a written budget.

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Train yourself to be a cheapskate. Everytime you think about spending money on something stupid, just punch yourself in the face. Its like Pavlov's dogs. Eventually you will associate stupid purchases with pain and only want to save money.

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According to me saving money on daily basis or on monthly basis is good, by eating natural food and buying in bulk you can save some amount of money. On the other hand don't take any loans as it gives you the tension for paying it.

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Money Management

Going without a credit card can be a bit of a pain (and is probably not an option), so it pays to be smart about the way you use the one(s) you do have. Try to avoid cash advances and make sure you choose best credit card for your financial situation.

In your case I would advise a low interest credit card - preferably with as many interest free days as possible. this way you will have longer to pay off your debts without interest, and if you do get charged interest you wont be paying anywhere near as much (most standard credit cards offer about 17% - 19% on purchases, whereas a low interest credit card usually sits around 9% - 11%.

If you have multiple credit card debts you can consolidate your debts by applying for a low balance transfer credit card

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Greer L.
Product Researcher
The Credit Card Guide
www.thecreditcardguide.com.au

I would like to suggest spend your money when necessary . Don't spend your money for amusement . If possible save that money . Use your credit card very rarely and take a list of your day to day expenses. It will help you for the second day ( in time of spending money). And join in debt consolidation care community . The members of the debt community have the real experience . Their suggestion is the right solution for avoiding debt . You can also ask debt related other questions.

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Save electricity - use your appliances only when it's needed especially lights - just use it in some areas. 20% of your salary should always go to your bank. Do not touch it! 80%. Estimate your daily needs, never max out. save your pennies. Do not be an aggressive buyer if you don't need it.

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Uk bankrupt celebrities