Apakah kamu seorang yang sedang terlilit hutang? Atau kamu masuk ke dalam golongan anti hutang? Untuk menghindari hutang, Dave Ramsey membagikan rumus bebas hutang dalam buku “The Financial Peace Planner”. Yuk simak.
Seperti Biasa, Siapa Sih Dave Ramsey?
Tak kenal maka tak sayang, ungkapan tersebut harus terus kita aplikasikan sebelum membaca sebuah buku. Makannya yuk kita kenalan dulu sama orang satu ini. Dave Ramsey adalah seorang penasihat keuangan pribadi asal Amerika. Beliau juga menjadi pembawa acara radio, penulis, dan pengusaha. Dave menjadi orang di balik program radio yang terkenal di Amerika yaitu The Ramsey Show. Berbagai buku yang Dave tulisnya telah laris di pasaran. Dalam artikel ini, akan kita bahas buku “The Financial Peace Planner” karangan Dave Ramsey.
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Kenapa Sih Dave Ramsey menulis Buku “The Financial Peace Planner”?
Semata-mata dia ingin membagikan 37 kebenaran sederhana terkait keuangan pribadi. Rumus ini bisa diterima oleh akal sehat tapi sedikit yang mengikutinya. Dave juga belajar dari pengalaman pada usia 26 tahun yang membangun bisnis real estat yang sukses tapi perlahan semuanya runtuh karena hutang. Oleh karenanya, pemikiran Dave sangat menentang utang dan kredit.
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Rumus Bebas Hutang: Hindari Hutang, My Friends
Sebagai seorang anti kredit dan anti hutang, Dave pernah terjerat kedua entitas tersebut karena bank sudah memberikan kredit yang berlebihan. Pada akhirnya jutawan bisa juga menghabiskan uang lebih banyak daripada yang dihasilkan.
Uang seharusnya bekerja untukmu, bukan sebaliknya. Tapi jika kamu berhutang maka kamu hanya akan menjadi pelayan dari uang. Masalah keuangan terjadi karena kecenderungan kita membeli barang baru walau tidak dibutuhkan.
Kalau sudah masuk ke lingkaran hutang bagaimana? Rumusnya yaitu bayarlah dulu hutang terkecil lalu lanjut ke hutang yang lebih besar. Hal ini karena membuat kamu lebih mudah menanganinya. Proses ini perlu waktu yang nggak sebentar, oleh karenanya harus konsisten.
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Berinvestasi dan menabunglah sekarang sehingga kamu bisa meraup kekuatan yang dihasilkan bunga majemuk untuk membangun kekayaan kamu sendiri.
Kalau kamu sedang terlilit hutang, maka upayakan untuk menjual beberapa barang kamu dulu atau bekerja lebih lama. Pengorbanan perlu dilakukan untuk tidak membeli apapun yang menarik perhatianmu.
Sabarlah dan latih keterampilan negosiasi. Terutama pada pembelian barang dalam jumlah besar.
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Rencanakan, Komitmen Dan Prioritaskan Adalah Rumus Bebas Hutang!
Milikilah rencana pengelolaan kas, tidak perlu hingga sangat mendetail tapi yang terpenting bahwa perencanaan tersebut bisa memberikan gambaran kemana uangmu akan pergi.
Komitmenlah pada rencanamu setidaknya dalam 90 hari dan lakukan evaluasi! Prioritaskan apa yang sebenarnya penting bagimu. Pastikan kamu juga menjaga kehidupan rohani tetap sehat. Bergerak perlahan juga tidak masalah.
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Sudah tulis rencana? Taatii ya, Sobat OneAset! Kendalikanlah nasib keuanganmu. Kamu juga bisa mencari mentor yang siap memberikan nasihat dan membuatmu lebih bertanggungjawab.
Jika kamu sudah punya pasangan, diskusikanlah bersama tentang uang dan rencanakanlah tujuan pengeluaran dan tabunganmu.
Bagaimana rumus bebas hutang dari Dave Ramsey ini? Walaupun nggak terfokus banget tentang hutang, kamu juga bisa mempraktikan pola pikirnya dalam membangun kekayaanmu. Ikuti terus artikel ini. Ingat! Langsung praktikkan yah.
Jangan lupa Give Applause, Komentar kalau masih ada yang bingung, dan Share ke teman terdekatmu. Follow juga IG @davidwijaya23 untuk informasi seputar keuangan, kesehatan, dan buku yaaa!
Referensi:
https://www.penguinrandomhouse.com/books/351467/the-financial-peace-planner-by-dave-ramsey/
https://www.target.com/p/the-financial-peace-planner-by-dave-ramsey-paperback/-/A-11486972
https://www.simulasikredit.com/tips-mengatur-uang-dari-dave-ramsey-mulai-dari-nol/
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