How Do I avoid Debt

We have been discussing about the savings and savings. Why things
was discussed before? Why do not how to make more money
every month?
The answer is,
without the technical reserves and savings you will not get any
surplus even if you get tens of thousands even.
Worse you will be involved with more debt?
Your income is negative every month!
Why do people in debt?
We can not live without debt?
Debt like diseases in human life. They
want the luxury of outside skills.
How to avoid debt?
And how to pay bad debts no matter how much you
even?
The first step is to avoid a new debt.
Especially large debts exceeding RM10,000.

Well we start with how to avoid debt?.
1. Avoid any facilities and auto-debit payments easily and
others through credit card. It is too easy to over-burden
you one day.
2. Avoid shopping list without dipasaraya goods. You will begin
random points and buy at will (even more so you have a card
credit)
3. Make this debt as a matter of unusual and should be avoided
as long as possible. Debt? Hmm .. apa tu? I know just CASH!
4. Make the process as effective as something very complicated for you. Create list
if you owe, you must get approval of your spouse, parents
you, friends, issued a list of all your savings and any
only that you feel difficult.
5. Delay-delay results for the debt. The slower growing
good. Because when you delay the probability you will not be as effective as
higher.