Most of us think that life is a smooth process. When you have all the basic necessities like a good paying job, a family, a home and a car you believe that life is going smooth and sweet. Every individual dreams of achieving the same basics of a home, a family and a car which happen to be the major goals driving his life.Once all these goals have been met, we do feel that life is going smooth and that things are under control.
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Majority of the people have no habit of drawing up a budget or a financial plan for the family.We generally have a vague idea of how much our income is and how much we could save and spend apart from having to pay off our loans. We do not often realise that we have over spent money because we do not do any book keeping or micro management of our expenses and budget. Every family goes through this from time to time. Your need for money keeps increasing all the time. It is not realistic to expect to keep expenses down especially when you have growing up children in the family.
If you keep a record of all of your bills and see the trend, you will see that you are spending a lot more than expected. Normally you will see that you are spending more money than necessary in two major areas. It is quite likely that you get into impulsive shopping especially when you go out for the weekend with your family.The second category of unexpected expenses come from unseen quarters like someone's sickness, some unexpected expenditure for training or education of your child, having to spend on travel etc. There may be a need for you to support your parents or siblings financially from time to time.
These expenditures are not a part of your budget. Therefore they go straight out of your pocket. In case of shopping however you might have not realised how much you have spent until you get the credit card statement. You will definitely find it a problem to arrange for money to pay such huge amount to clear the bills at the end of the month. You may not have sufficient liquid cash in your savings account to be able to pay the bills.These situations do occur in the lives of most of us. With planning of course you can pre-empt some of the events and be prepared but still you will have incidences that cannot be planned or foreseen.
You will have no option but to think on your feet and do your best.First and foremost you have got to pay your credit card bills at any cost. You will be shocked to find that the credit card companies levy very high rate of interest on the overdue amounts that are outstanding in your account. What you can do in such an event is to go to your banker and negotiate a refinance option using any of your assets such as your car or home and arrange for short term credit. Refinance loan can then be used to clear your credit card outstanding due.This gives you sufficient time to rework on your financials to come up with funds to pay your refinance loan and clear the debt. It takes some experience to be able to sail through such unexpected events and manage to keep life simple and smooth.
Quick resource: commercial-loan.org
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