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Free Debt Advice

How To Make a Debt Repayment Plan

You can find your way out of debt. It just takes a plan. Here's how:
All you need to do for your debt repayment plan is to calculate two things:
a) How much money you make (how much is coming in to your home).
b) How much you spend and where.

Sounds simple doesn't it? Unfortunately it will probably take a bit of work.

If you get a regular salary, the first part of the question is easy - it's less easy if you're self-employed, but still possible. The second part of the question will require some research on your part, unless you already keep meticulous spending records - and if you're in debt, the chances are you don't.

Where's the Money Going?

Step One: Keep a spending record

Record every last little cash outlay as well as big expenditures. You're trying to find out where your money is going in much the same way as a dieter tries to work out how many calories he or she is consuming.

At the end of each week, break down the spending into categories such as groceries, clothes, dry cleaning, petrol, coffee, newspapers and magazines and fill in the figures.

The more categories you have, the better. For example, don't just put down 'food.' Break it out into groceries, takeaways and eating out. Categorising specifically will tell you more.

After just one week of this you'll probably have a few surprises. After a month you'll definitely have new information - such as how much you spend on late video returns, two daily cappuccinos, or just how much those little forays to the shops for 'an eyebrow pencil' are costing you. (Many women are horrified when they see how much they're spending on cosmetics and hair-care products - especially when so much of that stuff ends up in a drawer, unused.)

Step Two: Make a plan
Now that you've got a few months' worth of nice, accurate spending records, the fun really starts: juggling. You need to create a Spending Plan that is based upon what you really need, what you really earn, plus a segment for debt repayment.

The key is to stick to the plan.
Quick checklist:

Figure out how much money you have coming in
Track your expenses
Create a realistic spending plan
Figure out how much you can pay towards debt
Repay your creditors proportionally
Keep the faith

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Please note: The suggestions and advice offered on this web site are opinions only and are not to be used in the place of professional psychological counseling or medical advice. If you or someone close to you is currently in crisis or in an emergency situation, contact your local emergency 911 or a Counselor nearby

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