Here are surefire ways to avoid debt:
Manage your finances
To effectively manage your finances, it is wise to track your income-to-expenditure ratio. Keep a financial diary. Document all of your financial transactions there. Record your income and list all of your expenses. It will help if you teach yourself some basic accounting ideas to help you in journalizing all of your finances.
Keeping tabs with your financial status is one sure way to avoid debts.
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