Starting a new year with a new start, why not? Take the opportunity at the end of this year so that you have the opportunity to start a new start, one of the important steps you can take for example by paying off the remaining credit card / KTA debt that is still arrears to escape debt.
Take advantage of THR and End of Year Bonuses
In order for you to welcome the new year with financial independence, you can use THR and year-end bonuses to pay the remaining arrears. You can use at least 30% of the total bonus you get, the rest can be saved or used for other purposes. However, if you do have a bigger arrears, then don’t hesitate to use this extra money to pay off your debt. Usually banks have relief programs that can help you pay off your remaining credit card and KTA debt. (Also read: THR Can Help You Get Out of Debt Problems)
Types of Relief Offered by Banks to Pay Off Debt
If you still find it difficult to pay off the remaining credit card / KTA debt, You can take advantage of bank relief programs. The waiver program in the form of credit restructuring can allow you to get a discount from the remaining obligations that must be paid. The relief program that you can get is the discount: 1x discount, low interest installments and extended tenors, and a combination of the two programs. Of course with the relief program, the remaining debt becomes less and is more easily repaid with the THR and year-end bonuses. (Read More: Get to know 3 types of bank programs that can ease your burden)
Faster Free from Debt Snares with a One-Time Discount Discount
If you want to pay off your debt faster, you can use a one-time discount discount program. Considering that you can be freed faster, it means that you also have to prepare more funds to be able to pay in one time to pay off the debt immediately. Therefore, use THR and year-end bonuses that are already in your hands to be directly used to pay off debts. Another advantage that you can get is that you can immediately be free from the disruption of debt collectors and feel more calm because the debt has disappeared.
How To Get A Lightening Program?
You can use negotiation services that are experienced and trusted. Usually negotiating services have a good connection with the bank so that your chances of getting more cuts are also greater. In addition, the negotiation services are also equipped with more experienced consultants. Consultants in negotiation services can give advice about what type of relief program you are better off taking to get rid of debt faster with cuts and programs that are suitable for your financial condition.
Of course, it is necessary to be aware of fraudulent negotiation services like this, and it is necessary to be diligent in order to use trusted credit card / KTA debt negotiation services.
After knowing how to take it to welcome the new year with financial independence, you should be looking forward to taking this opportunity, right? Let’s get ready to start a new year with a new start and be free of debt now!