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Do monitor and analyze your spending habits. If you don’t know where all your hard-earned money goes, it is difficult to know how to begin making necessary changes. Keep all the receipts for cash, debit, and credit card purchases. Take the time to review your spending patterns at the end of the month.

Do develop a spending plan. For outgoings to be less than income, weigh up must have v could have, and spend accordingly. Prioritize and justify your spending. Make wiser spending decisions right away. Be sure to continue the new and improved spending habits for the long-term.

Do leave home without your flexible friends. Research shows that consumers spend significantly more when buying goods with credit cards instead of cash.

Do save for the future.  Find a manageable way to begin saving today.  It won’t be any easier by delaying.  You never know when you might need that rainy day money.

Don’t spend impulsively. It’s the luxury and non essential expenses that often get consumers into financial trouble. These include entertainment, socialising, holidays and clothing.  When you cut down on these expenses, there is more money left to pay your debt and to save for the future.

Don’t continue to borrow. Making payments to credit cards and then reusing them gets you nowhere.  Make the decision to wipe out debt for good.

Don’t endanger your family home.  Long term problems require long term solutions.  Interest only periods and payment breaks on mortgages could end up costing in the long run

Don’t charge anything to your credit card that can’t be paid off in full.  This will eliminate high interest on purchases.

Don’t make promises to creditors that you can’t keep.   You will lose the sympathy of any creditor if you make arrangements to repay and then default.

Don’t forget to seek professional help. If you find your financial situation too overwhelming to handle alone, it is wise to get professional help.  Contact Debt Plan Ireland, the experts in this field.