26 Jul '16, 3am

Check out 5 #warning #signs that your #debt is out of #control:

Check out 5 #warning #signs that your #debt is out of #control:

For us average folk, debts are an inevitable part of life. At the very least, most Singaporeans have a home loan to settle. But if you’re struggling to keep up with repayments, your debts may have morphed into a debt crisis. Don’t be afraid to seek debt management help from financial professionals if you think you’re in a debt crisis. Watch out for these five warning signs and act quickly. 1. Your Debt Ratio Exceeds 80% To get your debt ratio, first add up total amount you have to repay each month from all of your debts. With regard to credit cards, use the minimum monthly repayment (either S$50 or 3% of the amount owed). Then compare this amount to your monthly income. For example, you earn S$4,000 a month. Your repayments for all your loans, every month, comes to around S$3,200. This leaves you with just S$800 a month. This is a precarious position to be in, as a single ...

Full article: http://www.herworldplus.com/lifestyle/money/5-warning-sig...

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