Rumus Bebas Hutang Tagihan Ala Dave Ramsey, Sesimpel Ini!

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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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Simpan Ketenangan Pikiranmu di Masa Depan

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:

Book Summary: Financial Peace Revisited

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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  171. All football predictions on OneMillionPredictions are completely free. Like the MSU KSU game, online sportsbooks have done a great job anticipating the public’s appetite to bet a hot Gonzaga team. More than 60% of the tickets at BetMGM are backing the underdog in this game. Confirmbets provides football predictions to various users and fans from various countries which include United States, United Kingdom, Germany, France, Turkey, Tunisia, Portugal, Italy, Romania, Nigeria, Kenya, South Africa, Ghana, Uganda, Cameroon and many more. We are actively working to increase our reach while providing the best customer service to all our esteemed users, so please send and feedback or recommendations to info@confirmbets and we’ll work towards making our football predictions website better for you.
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  173. One of the most common stones used in gua sha, rose quartz is light pink in color. It’s considered by some to be a healing crystal and the stone of unconditional love. It’s important to keep these tips in mind while using gua sha, so you can get the most out of the practice while protecting your skin! ” Datong’s cultural beliefs were so deeply set that it’s impossible for him think about the consequences of telling lies. Cultural differences are bound to be there due to the differences in perspective of philosophy, history, geography, mode of conduct etc. So do as Rome does while in Rome. It’s necessary to have the intercultural awareness, tolerate and adapt to the cultural diversity. Effective communication could be a way to solve the cultural differences. After the communication the world would be more harmony in the future. I think that’s why the hero named Datong in Chinese.
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  180. There are four types of online casino no deposit bonus offers for Aussies – no deposit sign up bonus, no deposit free spins bonus, no deposit mobile bonus, and no deposit bonus with codes. All details about these deals are explained below: As we show from the above table, the no deposit free spins bonuses are used by a bigger percentage of casinos in Australia. The chart below shows the percentage of how different types of no deposit casino bonus offers are provided by different casinos in Australia. Whether a free $50 signup casino promotion or a 50 free bonus casino, online casino bonuses allow players to generate earnings without losing anything. The earnings can range from $10 to $20 or more. Who is eligible for a no deposit casino bonus? These bonuses mostly target new players and sometimes players who’ve been idle at the casino for a while. It’s very popular among those who want to test the waters but aren’t ready to commit money to play at the casino. It offers you real money credit that can be used for free. However, sometimes it only applies to certain games or titles. You can win big though, there’s no doubt about that! In terms of games, you’ll mostly find free slots no deposit bonuses on offer.
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  201. The first step to earning money on Facebook is to look over its eligibility requirements in different programs and see which ones you qualify for. After that, it’s a matter of exploring your options and deciding on a Facebook monetization strategy that suits your business objectives. Facebook launched Brand Collabs Manager in order to create fruitful collaborations between content creators, influencers, and brands. It is very much similar to influencer marketing. Through Brands Collabs Manager you might be able to get brands to pay you in order to promote their services or products. 5. Manage a Facebook Group. Online creators and educators can build Facebook Groups to earn money from Facebook. Kelly Mirabella, founder of Baby Got Bot, connects with potential customers through her Facebook Group, the members of which she sells products and services to over time.
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    \n ‘).concat(t,’\n \n You’re watching a daily free preview\n \n You’re watching a daily free preview\n We operate Google reCaptcha to protect our website and the Google Privacy Policy and Terms of Service apply. , opens new tabScreen for heightened risk individual and entities globally to help uncover hidden risks in business relationships and human networks. \n ‘).concat(t,’\n , opens new tabThe most comprehensive solution to manage all your complex and ever-expanding tax and compliance needs. U.S. News StaffJuly 6, 2021 , opens new tabThe most comprehensive solution to manage all your complex and ever-expanding tax and compliance needs. This page will automatically redirect in 5 seconds… Bi-State Sage Grouse Considered for Threatened Status, Again

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  210. Sizzling Hot Deluxe is a throwback in a new style; the game is a classic fruit machine but updated for the 21st Century. One of the primary aspects of Sizzling Deluxe slot overview is the special features and the bonus games. If you are a veteran punter, you will know that special features and bonus games form an important aspect of a slot machine. In case you play Sizzling Hot Deluxe online, you will be disappointed to know that this game doesn’t have any bonus features. It does have a Scatter but that primary aspect of the free pokie machine is that you will be able to win huge payouts with a 5-icon combination. If you want to try your luck at scoring some quick cash, then Sizzling Hot Deluxe might be your holy grail. Established in the year 2003 courtesy of Greentube, this slot machine quickly gained popularity among punters with its five paylines accompanied by five reels. Moreover, the machine mimics the conventional slot machines but has a dash of contemporariness.
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    Thank you! You have successfully subscribed to our newsletter. Naturally, Lara Croft is the focus of this Tomb Raider slot machine. Many features from the source games and films are included, including in-game video snippets that play while you’re spinning. It has five reels and 15 paylines to play with. December 27, 2021 Summer can’t come soon enough, I’m looking at you twin tales girl! Harkening back to SEGA’s inception as a producer of standalone slot machines in the 1950’s, SEGA Slots celebrates the company’s history, while embracing a new genre of mobile experience. It is now available to download for free with in-app purchase from the App Store for iPhone and iPad or Google Play Store for Android devices. SEGA Slots: Free Coins, HUGE Jackpots and Wins v 112 – Oct 19, 2017

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  228. Before offering any recommendations to our US players, we put all iPhone casinos to the test. While there are several online casinos that can be played on an iPhone, not all of them are as trustworthy as we had thought. We take on the obligation of exposing casinos that do not adhere to the rules. For various reasons, the casinos on this list failed our tests and should be avoided. Yes, you can play casino poker. You can also access live casino poker games and other card games for iPhone apps through your gambling account. This wouldn’t be possible, however, if you settle for an casino site with a sub-par selection of gambling games for iPhone users. As mentioned earlier, the downloadable casino games have better graphics as compared to the non-downloadable ones. The reason for this is that the quality of the games deteriorates when a certain game is played over the Internet, while playing on your own device enables you to enjoy all game functionalities.
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    On the 8 5 Jacks or Better game, the house edge is 100% – 97.3%, or 2.7%. The best game is usually Not So Ugly Ducks, which is a 99.73% version of Deuces Wild. Other common online video poker games are Bonus Poker, Double Bonus Poker, Double Double Bonus Poker, Triple Double Bonus, Jacks or Better and Joker Poker.  Caesars Palace and Rio are home to the best $10 and higher video poker in Las Vegas. Both offer $10 up to $100 9 6 Jacks or Better. You will also find 9 7 Triple Double Bonus (99.58%) at both in $25, $50, and $100 denominations. You need five coins to get the best return on these games. That is $500 per hand at the $100 denomination.  Playing video poker is easy. The holy grail is acquiring a unique batch of cards that’ll give you a winning hand. As a standard to all casino games, you’ll need to wager before the game begins. Unlike other card games like Blackjack that need playing chips, video poker requires credits or coins to play. In casinos, you can bet with up to 5 coins per hand. The coins have different values, with some going as low as $0.20. Some other platforms can also allow a minimum bet of $0.10.

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