Bayad Utang Gamit Ang Debt Snowball Method

Paano nga ba ang tamang pagbayad ng utang? And Debt-Snowball Method ni Dave Ramsey ang magpapaliwanag ng mga tamang hakbang upang makabayad ng utang sa pinakamabisang paraan. Teka…teka sino nga ba si Dave Ramsey? Si Dave Ramsey ay isang batikang manunulat, radio personality at negosyante, karamihan sa kanyang naisulat ay tungkol sa pagbubudget, pagpuksa ng walang kamatayang utang at iba pang pinansyal na aspeto. Lubos siyang nakilala sa kanyang natatanging pamamaraan sa pagbayad ng utang.

Gusto mo ba na walang utang na iisipin? Pwes, narito na ang mga importanteng hakbang upang makamit ang debt-free lifestyle.

  1. Ilista ang lahat mong utang mula sa pinakamaliit hanggang sa pinakamalaki. Kinakailangan mong isulat lahat ng detalye kung magkano at sino-sino ang mga pinagkakautangan mo.
  2. Bayaran ang minimum payment except sa pinakamaliit na utang. Kahit pakonti-konti lang basta’t mayroon kang naibayad ay malaki na ang maitutulong nito upang balang araw ay tuluyan mo ng nabayaran ang iyong utang.
  3. Unahin pagbayad ng buo ang pinakamababang halaga na utang. Baby steps kumbaga, huwag mo munang problemahin ang pinakamalaking halaga kung ang kaya mo lang sa kasalukuyan ay ang pinakamababang halaga.
  4. Isunod ang pangalawang pinakamababang halaga hanggang mabayaran ang lahat ng utang. Pagkatapos mabayaran ng buo ang pinakamababang halaga ay isa-isahin ang mga halagang nakasunod hanggang sa pinakamakamalaki.

Pag may extra income ka unahin pagbayad ang credit card ng buo tapos isunod ang loan at panghuli ay ugaliing magbasa ng mga artikulo ng pinoymoneys.com upang mabigyan ka ng gabay sa inyong pinansyal na pangangailangan lalung-lalo na ngayong panahon sa krisis.

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Sharmaine Escarian

Unstoppable, determined and very passionate. A full time HR practitioner, freelance writer, a loving daughter and a seeker of adventures, lifetime learning and improvement. And shall continue to design the life that she has always dreamed of -- inspirational, purposeful and a journey where there is contentment and genuine happiness.

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