Motivasi, Pendidikan, Perniagaan, Kewangan Peribadi

BAGAIMANAKAH CARANYA NAK HAPUS DAN SELESAIKAN HUTANG?

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Dalam artikel sebelum ini saya ada membincangkan berkaitan Dana Kecemasan. Baiklah setelah mempunyai simpanan dalam dana kecemasan, kini masanya untuk mengalihkan perhatian kepada teras masalah yang biasa dihadapi oleh ramai orang iaitu HUTANG.

Oleh kerana gaji yang terhad, kita  perlu menggunakan sebahagian atau semua duit yang dahulunya disimpan dalam dana kecemasan untuk membayar hutang.

Bagaimana pula dengan simpanan?

Ia mungkin bukan satu tindakan yang bijak untuk menambah lagi duit simpanan apabila anda masih mempunyai hutang.

Kebanyakan hutang mempunyai kadar faedah yang lebih tinggi daripada akaun-akaun simpanan biasa di bank.

Dengan itu, anda sebenarnya kerugian lebih banyak duit daripada hutang tersebut berbanding duit yang diperolehi daripada akaun simpanan.

Contohnya, katakan anda mempunyai RM6,000 dalam sebuah akaun simpanan dengan pulangan 2% setahun dan hutang kad kredit sebanyak RM3,000 dengan kadar faedah 18% setahun.

Berapakah jumlah duit anda selepas lima tahun?

Jawapannya adalah sifar – anda akan hilang kesemua simpanan dan masih lagi berhutang RM200 kerana hutang akan meningkat kepada RM6,800, manakala simpanan hanya bertambah sebanyak RM600.

Satu lagi pilihan adalah untuk melaburkan duit tersebut.

Sekiranya produk pelaburan itu memberikan kadar faedah yang tinggi, anda boleh mengunakan keuntungan yang diperolehi untuk menjelaskan hutang sedia ada.

Akan tetapi, ambil perhatian bahawa pelaburan mempunyai risikonya tersendiri dan anda mungkin mengalami kerugian. Ini bergantung kepada tahap risiko sesuatu produk pelaburan pilihan anda.

Walaupun memilih untuk melabur, matlamat utama anda masih lagi untuk menjelaskan hutang.

Maka, hutang mana yang harus dijelaskan dahulu?

Biasanya, hutang dengan kadar faedah yang paling tinggi seperti kad kredit, pinjaman peribadi dan pinjaman kereta harus dibayar dahulu.

Biarkan pinjaman perumahan dan pinjaman pendidikan sebagai yang terakhir kerana pinjaman-pinjaman sebegini biasanya mempunyai kadar faedah yang lebih rendah dan dianggap sebagai “hutang yang baik”.

Ingin tahu lebih lanjut bagaimana untuk urus dan hapuskan hutang? Boleh klik link Ecover Ebook berikut di bawah:

ecover1

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