Lottery is a gamble and this fact cannot be denied!

Are you feeling like it is your lucky day today? If not, you better start feeling so if you have a mind to enter into a lottery draw! The promise of winning a staggering large amount of money with just a minor investment has its grand appeal! However, how many times does this offer actually materialize!
The answer is almost never! This is for the reason that it is not only you who is registering or playing the lottery. There are thousands of others who are also in the same draw, competing for the same prize. Now, there is nothing like it if you can actually win a lottery even with the chances of winning being next to nothing. However, hoping for such a case is essentially quite useless.
Let us see why lottery is a gamble
1. Game of pure chance
What is gambling but playing a game of pure luck! Likewise, in the lottery draws, you have bought a ticket and are simply waiting for your number to come out as the winning number! This is nothing but a game or mere chance! The probability and the odds of winnings are another thing; in essence, everything is left up to chance! Does this not make lottery a form of a gamble?
2. There is a winner and a looser
Secondly, lottery is a gamble as there is a random winner who does not even expect his or her win! There is no strategy and no skill required to play the lottery. A winner is selected quite randomly and you can be rest assured that no player has a control on the lottery draw!
Therefore, if the winner is a stroke of pure chance and there can be no control by the player, what does that make a lottery other than a gamble!
The odds of the lottery system
Now that we have established that the lottery is nothing but a simple gamble, let us look at the odds of winning this gamble!
Be prepared to be alarmed as the odds for the same is quite hopeless! There can be no guarantee of winning in this scheme. In fact, depending on the lottery game which is being played, the odd of winning the lottery draw is 1 is to several thousands! You decide for yourself if you want to compete against thousands of random people who are also buying the lottery tickets thinks it is their lucky day!
All in all, a lottery is not such a bad proposition if you have act ally won something out of it! However, the very fact is that only the lottery manager makes the most out of this deal. Ask a random winner and he or she will tell you that winning the lottery is definitely not that fun as people think it to be!
The rest of the decision is up to the individual player! Whether you chose to gamble or to play safe, it is your money at stake!

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How to reduce your debt

What is a debt?

Debt is definitely a liability to an individual and one can safely assume that no one wants to live with being heavy in debt. There is an associated interest to be paid over and above the borrowed sum which makes a debt an even heavier liability to be borne by the individual.

Sometimes, a debt situation cannot be helped!

Despite having said the above, there are situations where taking a debt is the only choice. Take this for instance. It is a possibility that if there is only one earning member in the family and there are many others who continuously depend on his earnings, the lone individual cannot possibly deal with all the demands alone by his single income. Therefore, in such situations it is not a surprise if one finds themselves taking a debt to cover the family expense!

What should one do then?

In such situations where taking a debt is the only choice, what you can do is take certain steps to reduce your debt amount so that the liability you owe makes your life easy than it would be otherwise! Read ahead to know about some of the most effective ways to reduce your debts.

Reduce your debts!

1. Plan well

First and foremost, you have to plan well. There will be a time in the future, where you would want a house and a car nearly at the same time. It might not be possible to buy this at the same time with your salary. Therefore, instead of taking a big debt at one time to meet both of these expenses, it is better to plan well in advance so that your debt can be reduced when the moment of truth arrives.
Accordingly, you can take steps like depositing money in a fixed deposit right from the beginning of your career, so that it appreciates with a good rate of interest over the years for you to buy your car and house at one time.

2. Do not take more debt

Another important thing to reduce your debt is that when you are already in debt, you should not take any more debt. This is for the reason that if you are taking debt on a continuous scale, it only makes you enter into a vicious circle if liabilities. You have not paid back one debt and you are already in another one!
It will be difficult to get rid of your liability more than ever! Therefore, first you should control your expenses and repay your initial debt before taking up another one.

3. Savings always help

Last but not the least; it always helps to save up for a rainy day in the future. Therefore, right from the beginning of your career, you can take out some money and save it for the future. What this will do is ensure that you do have money when you need to spend on a sudden unseen situation!
Taking simple steps like the above can effectively reduce debt.

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