To begin the process of “debt relief”, you will need a notebook with a large number of pages. they should be as much as you need to make monthly payments on loans. Now on the far left column Write a title that corresponds to the largest payment. For example, if a payment on the loan for a house or apartment, if you write “Payment for housing.” Now, on the first line, immediately under the heading, indicate the amount of payments and encircle it. This will mean that this amount you must pay each month. After this, the third line, write off all the debts that are included in the category of “rents.” Next step: in the second column indicate the second- value of an article of monthly payments, in the third column – the third story, and so on. And across the columns across the page, type the following statement: “I sincerely want to keep their promises regarding all these financial obligations, and in some cases will even make money twice as much as you want.

” Every time you get a bill, contact your list and amend, if necessary, the minimum required amount of monthly payment. If the amount is not changed, leave all the same. When you first come through (or it is time to pay), corresponding to the far right column (it is a very small amount of money you must pay every month), pay the amount in at least two times greater than the minimum necessary.