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Solusi Masalah Hutang

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Solusi Masalah Hutang – ”Saya meminjam uang dalam jumlah besar untuk membangun bisnis saya; utang itu bertambah parah karena krisis keuangan di Argentina,” kenang Enrique. ”Kemudian, istri saya harus dioperasi. Sepertinya mustahil keluar dari utang; saya merasa terperangkap dalam sarang laba-laba.” Seorang pria bernama Roberto, di Brasil, kehilangan semua tabungannya dalam suatu bisnis dan berutang kepada 12 bank. Ia mengatakan, ”Saking malunya, saya hampir tidak berani bertemu dengan teman-teman. Saya merasa seperti pecundang.” Untuk mendapatkan solusi masalah hutang seseorang harus memiliki kesadaran diri yang besar seta memiliki keyakinan kuat untuk bebas dari jerat hutang.

Hutang memang seringkali menimbulkan banyak masalah. Tidak hanya masalah keuangan namun dampak lain dari hutang bisa berimbas pada terganggunya pergaulan dan kehidupan sosial. Lebih parah lagi hutang yang tak kunjung ada solusinya bisa memicu penyakit. Ini tentu saja akibat dari pikiran yang kacau sehingga menimbulkan gangguan sistem energi tubuh.

Baca juga: Cara Melunasi Hutang dengan Mudah Melalui Bioenergi

Apa yang bisa Anda lakukan apabila dilanda perasaan minder, bersalah, atau malu karena utang Anda? tentu saja Anda harus segera menemukan Solusi Masalah Hutang. Sehingga akan mengembalikan kehidupan baik secara kesehatan, spiritual, sosial, mental bahkan dalam kehidupan keluarga dan rumah tangga.

Solusi Masalah Hutang : KENDALIKAN KEUANGAN ANDA

1. Solusi Masalah Hutang: Analisis anggaran belanja Anda.

Catat semua uang yang keluar dan masuk selama dua minggu – atau sebulan, jika itu lebih praktis. Catat juga pengeluaran yang tidak sering, misalnya pajak, asuransi, atau pakaian, dan hitung rata-rata per bulannya.

2. Solusi Masalah Hutang: Tingkatkan pendapatan.

Anda bisa bekerja lembur, melakukan pekerjaan musiman, memberi les, atau menjadikan hobi Anda sebuah bisnis. Hati-hati: Jangan biarkan pekerjaan menghalangi kegiatan yang lebih penting, seperti rutin rohani.

Baca juga: Syaiful M. Maghsri Konsultan BISNIS untuk Meningkatkan Omset

3. Solusi Masalah Hutang: Kurangi pengeluaran.

Belilah barang yang Anda butuhkan, bukan hanya karena barang itu sedang didiskon. (Amsal 21:5) ”Menunggu sebelum membeli itu baik,” kata Enrique yang dikutip di atas, ”karena itu akan membantu Anda melihat apakah barang itu memang diperlukan atau hanya keinginan.” Berikut beberapa saran tambahan.

  • Rumah : Jika mungkin, pindahlah ke rumah yang cicilan bulanannya lebih rendah. Kurangi  biaya rutin dengan menghemat listrik, air, dan gas.
  • Makanan : Bawa bekal daripada membeli makanan. Belanjalah di toko yang menjual dengan harga grosir dan manfaatkan tawaran dengan harga khusus. ”Saya bisa membeli buah dan sayuran lebih murah di pasar tepat sebelum mereka tutup,” kata Selma, di Brasil.
  • Transportasi : Jual kendaraan yang tidak diperlukan, dan rawat kendaraan yang Anda miliki daripada menukarnya dengan yang baru. Gunakan angkutan umum, atau berjalan kaki sebisa mungkin.

Setelah mengurangi pengeluaran, Anda siap memanfaatkan uang yang ada dengan sebaik-baiknya.

Baca juga: 8 Tips Mengatasi Masalah Keuangan Dalam Rumah Tangga

4. Solusi Masalah Hutang: Analisis utang dan ambil tindakan.

Pertama-tama, untuk setiap utang, pastikan suku bunganya, biaya tambahan, penalti akibat terlambat atau gagal membayar. Termasuk juga kemungkinan adanya tagihan yang sudah jatuh tempo. Cermati pernyataan pada dokumen pinjaman atau tagihan, karena kreditor adakalanya licik. Misalnya, salah satu jasa pinjaman jangka-pendek di Amerika Serikat menyatakan bahwa suku bunganya 24 persen, padahal sebenarnya lebih dari 400 persen.

Berikutnya, tentukan urutan pembayaran utang. Salah satu Solusi Masalah Hutang Indonesia adalah terlebih dahulu membayar utang yang bunganya paling tinggi. Cara lainnya adalah terlebih dahulu melunasi utang yang lebih kecil, karena dengan lebih sedikit tagihan yang datang setiap bulan, Anda akan lebih percaya diri. Apabila Anda memiliki utang dengan suku bunga yang tinggi, mungkin Anda bisa memanfaatkan pinjaman baru yang suku bunganya lebih rendah untuk melunasi utang yang ada.

***

Jika Anda tidak bisa memenuhi kewajiban, cobalah bernegosiasi dengan kreditor mengenai rencana pembayaran yang baru sebagai Solusi Masalah Hutang alternatif. Anda bisa meminta perpanjangan waktu atau suku bunga yang lebih rendah. Beberapa kreditor mungkin mau mengurangi jumlah utang Anda, jika Anda mau melunasinya sekaligus sekarang. Bersikaplah jujur dan sopan saat menjelaskan keadaan keuangan Anda.

Tentu saja, Anda harus realistis dalam mengelola keuangan. Bahkan rencana terbaik bisa gagal disebabkan hal-hal yang tidak bisa Anda kendalikan. Karena uang sering kali ”bersayap seperti burung elang lalu terbang ke langit”. Oleh karenanya, Solusi Masalah Hutang sungguh sangat Anda butuhkan agar Anda menemukan jalan keluar yang terbaik untuk melepaskan diri dari hutang.

COBALAH INI: Sesudah Anda membuat anggaran awal, diskusikan caranya seluruh keluarga bisa mengurangi pengeluaran atau meningkatkan penghasilan. Dengan melihat pengorbanan yang dibuat oleh setiap anggota keluarga, kalian akan lebih bersatu untuk melawan utang dan tentunya mendapatkan Solusi Masalah Hutang dengan cepat.

Baca juga: Doa Hutang dan Tips Mengatur Keuangan Pribadi

APABILA DENGAN CARA TERSEBUT SAYA MASIH GAGAL, DENGAN CARA APA LAGI  SAYA BISA MELUNASI HUTANG?

Caranya sangat Mudah. Ikuti saja Pelatihan QUANTUM di Bioenergi Center sebagai Solusi Masalah Hutang Indonesia.

Quantum adalah program pelatihan dengan level energi tinggi yang mudah dipelajari & memberikan manfaat besar dalam kehidupan Anda, baik secara jasmani, rohani, mental, emosional, sosial, ekonomi dan spiritual dengan metode Bioenergi Adjustment. Proses Adjustment akan membersihkan berbagai energi negatif pada diri Anda dan bisa bermanfaat untuk seluruh keluarga Anda. Sehingga Anda akan terhubung dengan energi yang lebih besar dari Tuhan agar dimudahkan dalam segala urusan. Baik itu  urusan rumah tangga, ekonomi/kerezekian, karier, jabatan, utang-piutang dan sebagainya. Anda juga akan mengalami peningkatan energi spiritual sehingga lebih dekat dengan Tuhan. Energi Quantum akan bekerja secara otomatis mewujudkan setiap keinginan & harapan Anda.

Baca juga: Ikuti Quantum Bioenergi untuk Mengatasi Masalah Hidup

MANFAAT pelatihan Quantum adalah :

  1. Sebagai proses pembersihan limbah energi dan efek negatif dalam tubuh fisik, mental, emosional dan spiritual membuat anda menjadi tenang, tenteram, bahagia dan sejahtera.
  2. Memberi efek penyatuan antara tubuh jasmani dan rohani sehingga terjadi keselarasan dalam hidup, lebih dekat dengan Tuhan, dimudahkan dalam segala urusan rumah tangga, ekonomi/kerezekian, karier, jabatan, hutang-piutang dan berbagai urusan keduniawian anda.
  3. Membentuk pola perlindungan yang hak dari Allah, dijauhkan dari segala gangguan jin, syaitan, serta manusia yang jahat (guna-guna, santet, dan sejenisnya).
  4. Meningkatkan ketahanan dan regenerasi sel dalam tubuh sehingga dapat menyembuhkan berbagai penyakit berat/ringan.
  5. Bermanfaat bagi karyawan, eksekutif, atau siapapun anda yang sibuk agar terhindar dari stress, meningkatkan stamina.
  6. Quantum dengan izin Tuhan membuka jalur rezeki dari berbagai penjuru, yang bermanfaat bagi pedagang, pengusaha, kontraktor, pegawai, petani, dan anda yang ingin rizkinya lancar terus menerus bagai aliran air & bebas hutang.

Jika Anda ingin mendapatkan Solusi Masalah Hutang dan berbagai solusi masalah hidup lainnya Anda bisa konsultasi terlebih dahulu dengan Bapak HM. Syaiful M. Maghsri. Penemu dan formulator Ilmu Bioenergi, Master dan juga mentor serta konsultan bisnis & konsultan kesuksesan. atau jika ingin mendaftar pelatihan QUANTUM. Silahkan langsung datang ke :  Gedung Biocentrum, Jalan veteran No. 153 Yogyakarta 55151

atau Anda bisa melakukan konsultasi & pendaftaran melalui :

  • SMS/Telepon ke 081 727 4077 (Ibu Eny), 081 827 8880 (Bpk. Agus) atau (0274) 412446 (Office).
  • order via email ke [email protected]
  • Invite PIN BB 2321942A, WA 081 827 8880.
  • Inbox FB Sehat Sukses Sejahtera, Syaiful M Maghsri
  • Follow Twitter @syaifulmaghsri.

Jangan Biarkan Masalah Hutang Anda semakin parah. Kami siap melayani Anda kapanpun Anda membutuhkan. Dapatkan Solusi Masalah Hutang Indonesia di Bioenergi Center.

Baca juga: Konsultasi dan solusi berbagai masalah hidup untuk lebih sehat, sukses, sejahtera

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