8 Dumb Habits That Are Keeping You In Debts

"A hundred wagon loads of thoughts will not pay a single ounce of debt” -Italian proverb.

You need to take action to tame your debt monster. Let’s put your financial house in order by kicking out these 8 dumb habits that are keeping you in debt.
Lack of Strategy Without a strategy, you never know whether or not you are doing things right. Start by assessing how bad the situation is.

1. Not Having a Monthly Budget

2. Ignoring How Much Debt You Owe

3. Not Calculating Your Debt-to-Income Ratio

4. Paying Bills Past Due Date

5. Breaking Up Payments Into Installments

6. Not Reviewing Your Monthly Bills

7. Spending Money Ear-Marked for Bills

8. Using ATM's Outside Your Network

You better start saving more BENJAMINs(dollar) or ZIKs(naira) 

-Sean Rainfall @ezie101