Memiliki hutang tentunya menjadi beban yang selalu terpikirkan untuk setiap orang, apalagi jika hutang yang dipinjam untuk kebutuhan yang bersifat konsumtif. Berhutang sendiri merupakan tanda kalau kondisi finansial sedang tidak baik sehingga pasti kita akan mencari cara agar melunasi hutang-hutang yang ada. Jika sobat sudah terjebak di dalam situasi beban hutang mulai mengganggu alokasi finansial untuk kebutuhan sehari-hari, maka sobat harus serius menemukan cara melunasi hutang secara efektif serta bijak. Untuk itu, yuk kita simak beberapa strategi untuk melunasi hutang yang bisa sobat lakukan demi mengembalikan kestabilan finansial.
Susun Ulang Daftar Hutang
Hal pertama yang harus dilakukan oleh sobat adalah menyusun daftar hutang-hutang yang kamu punya sekarang. Urutkanlah daftar hutang berdasarkan skala prioritas dan jatuh tempo yang terdekat agar tidak kebingungan dalam membayar hutang-hutang tersebut. Tulislah informasi jumlah total serta cicilan perbulannya secara rinci. Setelah itu kalkulasikanlah dengan pendapatan kamu untuk melunasi hutang-hutang berdasarkan urutan yang telah kamu buat.
Melakukan Penghematan
Hidup hemat saat mengalami kondisi finansial yang buruk adalah salah satu solusi utama, sobat harus selalu mencatat pengeluaran agar dapat meminimalisir pengeluaran konsumtif dan menggunakan alternatif lain sehingga menghemat kebutuhan-kebutuhan sobat. Hasil dari penghematan ini, kamu dapat alokasikan untuk membantu cicilan hutang-hutang kamu.
Mencicil Hutang
Mencicil hutang merupakan kunci utama untuk melunasi segala hutang sobat. Selalu alokasikan cicilan hutang terlebih dahulu sebelum kebutuhan konsumtif agar tidak terpakai untuk hal-hal yang tidak kamu butuhkan. Jika sobat melakukan ini secara konsisten, maka akan meringankan beban hutang sobat dan semakin terbebas dari hutang.
Menjual Barang Yang Sudah Tidak Kamu Pakai
Jika alokasi dari penghasilan sobat masih kurang dalam membayar hutang cicilan sobat, maka salah satu alternatif lain juga bisa dengan menjual barang-barang yang tidak terpakai. Barang-barang tersebut dapat berupa barang komplementer sobat seperti sepatu, pakaian, dan barang-barang tidak terpakai lainnya. Sobat bisa menjualnya dalam media sosial atau e-commerce agar laku dalam waktu yang lebih cepat. Tidak lupa uang yang diperoleh langsung kamu gunakan untuk cicilan hutang agar tidak terpakai untuk hal lainnya.
Cari Penghasilan Tambahan
Penghasilan tambahan merupakan salah satu solusi sobat jika memiliki waktu luang yang lebih setelah pekerjaan utama sobat. Saat ini sangat banyak freelance atau tawaran pekerjaan paruh waktu melalui sosial media atau e-commerce mulai dari desain, copywriting, ojek online, atau pekerjaan tambahan lain nya. Dengan memiliki penghasilan tambahan, sobat akan lebih leluasa mengatur keuangan untuk membagi dalam melunasi hutang serta kebutuhan sobat sehari-hari.
Setelah mengetahui strategi dalam melunasi hutang-hutang yang ada, jangan lupa agar lakukan dengan konsisten agar sobat dapat melunasi hingga kondisi finansial sobat lebih sehat. Jika sudah terbebas dari hutang, perbanyak belajar mengenai literasi keuangan agar sobat memiliki kondisi finansial yang sehat. Stay tune dengan post-post selanjutnya karena akan banyak informasi berharga mengenai literasi keuangan yaa sobat!
Comment and like buat sobat yang sedang struggle dalam melunasi hutang dan yang sudah terbebas dari hutang yaa!
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