- May 12, 2024
- Posted by: legaleseblogger
- Category: Related News
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## Financial Struggles and Seeking Advice
I find myself currently in a challenging financial situation, grappling with a significant amount of debt that has made it difficult for me to cover basic living expenses. I feel a sense of embarrassment and disappointment in myself for accumulating this debt at such a young age. As I navigate through this difficult period, I am seeking guidance and advice on how to manage my finances more effectively and ultimately alleviate this burden.
## How AI Legalese Decoder Can Help
AI Legalese Decoder can provide valuable assistance in this situation by analyzing your existing legal agreements and contracts to identify any potential loopholes or areas where you may be able to negotiate more favorable terms. It can also help you understand complex legal language and obligations, enabling you to make informed decisions and take effective actions to improve your financial standing. Additionally, by utilizing AI Legalese Decoder, you can access resources and tools that can assist you in creating a successful financial plan and setting manageable goals to help you work towards financial stability.
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AI Legalese Decoder: Simplifying Legal Jargon
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Pay off the highest interest debt first.
More info required: what do you earn, what debts do you have, and what are your weekly expenses? Provide some top-line details around work, living situation, parter etc.
Don’t be embarrassed, it happens a lot. Act now though, because it’ll only get worse. What sort of debt? Buy now pay later? Credit card? Car? Fines? Child support? Assuming no fines or child support:
I’d write them all down, the amounts and the interest rates. Focus on paying down the highest interest rate debt first, but make sure you’re making the minimum payments on all of the debts.
If you don’t like that, you can explore the debt snowball idea – pay off your smallest debt first so you feel a warm fuzzy and then roll that amount onto paying the next debt. Again, always pay the minimums on all debt. Mathematically, this isn’t as good as the first option, but mentally some find it easier because they feel like there’s more progress.
The above assumes you have sufficient funds to pay the minimums. To help further, you’d need to give us your income and a list of the debts and any other necessary expenses.
Recommend reading The barefoot investor. It’s a good starter book to help with reducing and eliminating debt. And growing savings.
is there a budgeting guidance in your area? most of them do it for free, i went to one years ago and found it quite helpful, if not look at [sorted.org.nz](http://sorted.org.nz) and see if you can make a budget and stick to it
are you working? are you in a position to do over time or if not get a 2nd job?
Check out The Ramsey Show on YouTube.
Gambling debt? Very common for young people.
Stop gambling first.
Get a debt consolidation loan, so you can wrap it up in one weekly payment. I managed to get into over $14k of credit card debt, so I went to the bank and they gave me a personal loan to pay them off. 3 long years later, am debt free, and able to look to the future. Sure, there are times when I struggle, but I manage OK.
Do you have anything in kiwisaver? There is a hardship withdrawal option