NewStats: 3,264,654 , 8,184,358 topics. Date: Wednesday, 11 June 2025 at 09:31 PM 122u1z

"A hundred wagon loads of thoughts will
not pay a single ounce of debt” goes an
Italian proverb.
You need to take action to tame your
debt monster. Let’s put your financial
house in order by kicking out these 8
dumb habits that are keeping you in debt.
Lack of Strategy
Without a strategy, you never know
whether or not you are doing things right.
Start by assessing how bad the situation
is.
1. Not Having a Monthly Budget

2. Ignoring How Much Debt You Owe

3. Not Calculating Your Debt-to-Income
Ratio

4. Paying Bills Past Due Date

5. Breaking Up Payments Into
Installments

6. Not Reviewing Your Monthly Bills

7. Spending Money Ear-Marked for Bills

8. Using ATMs Outside Your Network

Jotted down.. What about "8 wise habits that will be keeping you in credits??..na wetin I need naw abeg..


Yes!! Man up-front again??..d lawd is really rewarding my joblessness wit FTC cum FP tins. Wearing mai crash helment & bullet-proof 4a a teribul quaker oath, if u tiwa dis wawastic mendu hit like maka na d gods dikwa veri wise.




AYAM KARID..

I like these guys.
This is where I belong.
9)Not controlling spendin on flexing-i.e booze, party.
10)A parasitic bae.

Thanks for the post!
Always write correctly.

.

Oh yeah?

Watin concern me wey no get bank

a

God punish debt. I'm not indebted to anyone, so I have no dumb habits as far as money is concerned.

I do not quite agree with No's. 5 & 8

5. Breaking Up Payments Into
Installments.
If for any reason you are indebted to the tune of 100k and your monthly earning is 40k. What do you do? Pay with blood so as to avoid payment by installments? In fact, the tinier you are allowed to break the installments, the more convenient, unless if unpaid balance attracts charges.

8. Using ATMs Outside Your Network
If what you mean by this the use of other banks' ATM, then you might as well advise against the use of ATM in the first place. ATM is for some kind of emergency. What if this emergency arises where you bank's ATM does not exist, what do you do? You wait? Or keep searching? You may not be able to afford that luxury at the time.

WhoDeyThere:
a

a what?

I pray I keep to that this year, because I'm a spendthrift

Ok

New year, no debt

Hmmmm that is for spenders not me

I have no idea what most of those stuff means, but I'm not in debt...

not applicable to us creditors

ghen ghen

I ddey come

K

[b][/b]Stamped

America is in debt sef so what is my own
Nakid I came into world ,stark nakid shall I return
8 dumb habits ko,666 dumb rabbits ni

I rep NoFap

Nice write up

.

fp tinz.









































A proof that this year is gonna rock for me!

...

/
Not applicable to people living in Nigeria especially on person-to-person level.

If you are in debt in Nigeria:
1) Learn how to tell long stories.
2) Invoke God in all your dealings
3). Learn some new dodging techniques.

And for creditors:
Be careful, the higher the debt, the more likely your debtor may poison or do you in.

\

Lordmykel:
Watin concern me wey no get bank

Lol