Personal Growth

If you have a huge amount of debt, then you must have known that familiar feeling of being tied. Having debt is very limiting. You are never going to live your life to the fullest if you carry a huge amount of debt. The good part is that you are not alone. It was predicted that an average American carries $7,000 in credit card and more than $25,000 in non-mortgage debt. Not to mention that you will have the student loans that you will have to pay. That is a huge amount of debt. The good news is, you don’t need to worry about dealing with debt collector, even with a flick of your finger. All you need is consistency. Below are the ways you can get out of your debt fast: Stop using a credit card This is perhaps the first thing that you should do once you realize that you have had an overwhelmingly huge amount of debt. You should stop using your credit card until you have paid off all of your debt. We know that it is very to use your credit card for any purchase transaction. However, because of that reason as well that perhaps instead of being able to pay off your loans, you are only adding more loans to your debit card. If for some reason you still need to use your credit card, then you have to be very strict with yourself. Ensure that all the purchases that you made with that credit card are budgeted. At the end of the month, this means that you will be able to pay it off. Another alternative to that is you can choose the credit card that gives you the best deal. This means more advantages that you can take at a later date or even lower credit rate. You can use that card and freeze all of the others. However, if you think that you do not have that amount of will power – it is very difficult, then you can always freeze your card. Pay more than the minimum amount We know that you are squeezing your budget very tight. However, you need to pay off more than your limited amount. This way, you will actually be able to see the progress of your paying it off. By paying more than your minimum, you are also ensuring that you are going to be charged will less amount of interest each month. Budget If you have never maintained a budget in your life, then this is a good way to start. The reason why you should start budgeting is that you are going to be able to gain more control over your expenses. The most important part of budgeting is to keep track of your expenses as well. If you do both diligently, then you will be able to see the whole picture of your financial status. You will be able to see what kind of expenses that you make each month, and whether that amount of expenses is necessary. By budgeting, you will also be able to make smarter financial decisions. You will be able to see type of expenses that you can cut down or eliminate. You may be going to the nearest cafe for a sip of coffee more often than you intended, or you have not realized that you have been paying off a gym membership that you have never gone to. This will enable you to cut unnecessary expenses out! Bonuses There are a lot of companies that have a bonus scheme for their employees. This means that they would give their employees a certain amount of bonus. Most of us would tend to splurge that bonuses. Don’t! Instead of spending it on something that is not necessary, you can use it to pay off your debt. This is also applicable to all of your other excess money or income that is not budgeted. Maybe you are due for your tax income next month. Now you better think twice on how to use that additional income money. Side hustle If you have not had a side hustle, then you should try to get one. This only means that you are able to manage your time well. A side hustle is also a commitment. You need to commit some amount of your time to be able to do so. If you have already been working two jobs, then what you should focus on is getting a passive income. A passive income can be described as a form of income that will not require you to spend some amount of your time. This could come in a variety of forms. Maybe you have a spare room in your house that you can rent out. That rent income is a passive income. Because you are not giving up any of your time to earn that amount of money. Debt payment method There are a lot of debt payment methods that you can use to pay off your debt. There are some experts that suggest you pay your bill off starting from the one with the highest amount of interest. In this way, you will be able to save your money in terms of overall payment. However, this method might not be suitable for everyone because it takes quite a while for you to feel the impact. If you are someone that needs to feel a small amount of winning, then you can choose the snowball method. The snowball method basically suggests you pay off your debt from the smallest amount. This way, you will be able to feel that you have done at least a small amount of improvement.

Even if other pianists debate about the digital piano’s key action, the more expensive ones closely emulate acoustic pianos when it comes to the feel of its keys and sound produced. In fact, the top range models come with a grand piano cabinet as well as finish to achieve a majestic look. A digital piano combines the elegance of acoustic pianos with flexibility, portability, and affordability that are available with digital technology. You get portable models that are a boon for those who are always on the move, particularly the gigging musicians. Below are some of the advantages of digital pianos over acoustic pianos: No Tuning Needed A good reason for you to choose digital pianos is that it doesn’t require tuning compared to acoustic ones that must be tuned once in every six months. It’s an important factor, particularly if you move from one house to another since acoustic pianos may go out of tune once exposed to lots of moving around. Digital Pianos are More Affordable When compared to acoustic pianos, digital pianos are more affordable and easy to maintain. Since the sound on the digital pianos is produced by the samples, the piano’s price is dependent on the quality of the used samples. However, with digital pianos, you have a lot of choices depending on your budget. Lots of Choices and Varieties There is a wide variety of digital pianos available in piano stores near you. You may go in for digital pianos with upright piano look or you may choose the more portable stage pianos. Originally, digital pianos are designed to serve as an alternative for the traditional acoustic pianos. That is the reason why you’ll find models that have the looks of acoustic pianos with models that resemble grand and upright pianos. Portable and Compact Some digital pianos have a keyboard look. These have 88 keys, but they don’t have a wooden body and case around it that you usually found in an upright piano. It makes them easier to carry around. High Quality Sound Unlike an acoustic piano in which the sound is produced through striking hammers against the strings, the digital pianos generate sound in an electronic manner. The more expensive digital pianos are, the better the sound samples and you may notice that in the sound quality. Features MIDI Digital pianos may communicate with other digital software or hardware through MIDI. With this, you may connect it to a computer and transform it into a recording studio. Piano Keys Action On acoustic pianos, you may feel the striking hammers against the real strings. Aside from the keys on the left side or bass side are quite difficult to play and gets lighter once you move towards the right direction. Most virtuous pianists play acoustic pianos precisely because they’re so accustomed to the keyboard feel. Manufacturers of digital pianos have realized this challenged and there are now models that replicate an actual acoustic piano. If you want something that is flexible and portable than acoustic pianos, digital pianos are your perfect choice.