Tackling Debt

Well, a very tough topics. For everyone out there that didn't really tied up with commitments (e.g car, house, kids and etc.), congrats! For everyone out there that currently paying a huge portion of their salaries for this and that debt, you're not alone!

Currently, I'm paying for multiple stuff - such as car loan, family expenses (for my parent), petrol, food, insurance, classes and so on. A huge portion of my salary. A pain in my heart. Well, what to do. Remember, you can't change the fact that you're currently in debt, but you can change the way you going to tackle it. And I feel this thinking is important.

After been in the rat race for so long, I realized that what is really important is focus. Without focus, you're just stressing up yourself, thinking that you're working your ass off just to pay this and that. Worse still, your emotion will be unstable and you'll start to get pissed over small stuff. This happened to me, and I'm not shy to share this out with you all out there. Remember, don't let this ruin your relationship with your loved ones. Stay focus all the time. Change your focus towards solving the debt. Eventually, you'll stay focus and you'll start to think lots of ideas to gain more money to settle your debt.

Save. Yes, save! Start to live your life to your mean. Don't overspend. You're now in debt, not in luxurious lifestyle. First thing first, change your mindset. I personally think this is really important. Your mindset is the one that controlling your body and soul to adapt to certain lifestyle. Start to change your mindset to live your life to your mean. You'll realized that you'll be able to save a huge amount of money. And this amount of money that you able to save - you'll be able to use it to settle your debt even quicker. I'm trying my best to save as much as possible so that I'll be able to settle my car loan debt asap.