8 Dumb Habits That Are Keeping You In Debts

"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