how to have a debt free life???

First of all spend wisely. Never spend more than what you can earn. Regardless how small or big d debt is, remember to pay monthly and try allocating a small amount for bills monthly. Also use credit card sparingly!

hi, now a days single job is not really enough especially if were not enough compensated on our job. Yes, I used to borrow from my friends but not from an institutions and I don'T have a credit. So I suggest that try to make a double or triple job (lol) and try to avoid using credit card because the interest are really high the payment you made were just only charge for the interest and penalty while the principal wasn't reduce.

Whenever possible I avoid debt. I do not have a credit card, I also do not owe to the bank. I live according to my ability, I would not have to force anything, if I can not afford. I am more happy, have savings. So I avoid the debt. I was once trapped in debts, making my life is not tranquil. Every day I have to think to pay the debt. I do not want to owe more. And better, you also avoid debt.

Well you have to take control of your life, reducing spending and increase saving. I am not sure how bad it is, but you can approach bank to consolidate your debt to minimise interest.

Hello, To have a debt free life is actually very easy. But it has something to do with our psychological strength and social and economic awareness. Due to rampant corruption in India several investors are pulling out right now. This will have a bad impact on overall economy. You must have the necessary awareness to predict this connection. You must know how those important national and international events may affect your day to day life. When you have an overview about the market conditions, the cause and consequence effect of them, then you have enough power to take financial decisions on your own. In today's age, information is the only strength. One thing that invariably leads to debt is impulsive buying. Some people are always stressed out because of different psychological and social reasons. The steps they take to get out of such stresses are usually costly. This leads to irregular and uncontrolled spending. Some people like to donate and give away gifts, even when they are in no position to do it. So being in debt almost always bears a relation with one's spending habits. Before buying anything one should ask to oneself, "Do I really, absolutely, certainly need it? Can I do away with it?" Buy only when the answer of above questions is yes. Otherwise, wait for some more time to consider the feasibility of your investment. Thanks. God bless you.

Ok.. when you go shopping bear in mind that what you are going to buy is what you needed and not what you want. As much as possible do not bring your credit cards or atm with you when you are strolling around because you might see something that you like or interests you or and you'll probably going to buy it.