Immediately Stop Debt Habits
Credit card debt initially only looks light and does not become a big burden on your finances, but if always stacked and postponed repayment, then the debt will mount. You should immediately stop the habit of getting everything by using a credit card. You must be able to distinguish between needs and wants alone. Do not get carried away and use credit cards in vain. If you do require additional fees, you can apply for a loan to the money lender Singapore.
Allocate your earnings appropriately and meticulously. Prioritize your credit card debt repayment. Suspend the investment you may have planned if the funds are not sufficient due to the obligation to pay off some debt. This repayment will be more effective if it takes precedence over you putting your investments in debt. Although being a very priority thing, but there are posts in your finances that cannot be disturbed at all, one of which is a monthly saving post. Do not let you not fill it, because the savings fund is an emergency fund that at any time will be needed.
Make Payments Incrementally. When it will pay off the debt, then often people use all the savings/deposits of money it has for it. This is not a righteous act, for how can a person not have some savings that can be used as an emergency fund if at any time there are things that are not desirable befall him? Avoid spending all your savings to pay off your credit card debt. Do not force yourself to pay for everything at once. You can pay it off gradually and little by little. If it is not possible to pay off the biggest debt, then you can pay it off or pay off the smallest first. This will remain positive and increase your confidence that you can and can pay off some other debt that has been waiting.