After returning from your homecoming trip and completing all the Eid Al-Fitr processions, you must return to their original state and return to work. Some of you may feel worried after going home for thinking about financial problems. The activity of returning to my hometown and Eid celebrations indeed often makes us spend more money than usual. Maybe not a few of you decide to apply for a loan to a bank in the form of Unsecured Credit (KTA) in order to fulfill the requirements in the month of Ramadan and Hari Raya.
Now this is the time for you to start paying off the KTA debt. Faster to pay it off it will be better, so that you are not exposed to large flowers. But usually after Hari Raya, your financial condition is not so good that it becomes difficult to pay off the debt immediately. Here are some tips to help you pay off your KTA debt after Ramadan.
Selling items or assets that you have
Try to look back at the items that you have at home. You can find some items that may not be used and you don’t really need. You can sell electronics, furniture, even clothes to help increase money in completing KTA debt. Selling used goods is not necessarily fast enough, but now it’s very easy to do. With platforms such as Carousell and OLX, you only need to take photos and upload them.
One of the keys to success in selling second-hand goods is to set the right price. Before setting a selling price, you should find out the market price of the item you will sell as your benchmark. Of course you can get an offer faster by placing a price below the market. In addition, you also need to provide a complete description of the items you sell accordingly so that they can be trusted by prospective buyers.
Use your savings
Some of you may have the habit of saving and preparing for future expenditure funds, such as the cost of children’s education, or to buy certain dream items. If you still have backup savings, you can use it to resolve the KTA debt that you took in Ramadan. If the savings are indeed intended for certain needs, try to consider the priority scale. Using savings to pay off debt does not mean you cannot reach your goal. Also remember that you can only use a portion of your savings to help ease the burden of the bill, not necessarily all. In addition, you can always start saving again after you have completed KTA debt.
Manage Your Finance After Eid
After celebrating Eid Al-Fitr, maybe you often experience a financial condition that is running low after spending it on going home. To begin to settle KTA debt taken during Ramadan, you must start managing your finances well after Lebaran . Make sure the first salary you receive after Eid is not spent on things that are not important. Be sure to prioritize your expenses well, and immediately set aside a portion of your salary to pay off your KTA debt.
Look for Additional Income
If you find it difficult to set aside income to pay off debt. You can always seek additional income to ease your burden. Lots of side jobs that you can work at leisure without having to interfere with the main job. You can read the following article to find some side jobs that can help increase your income.
Join the KTA Debt Relief Program
If you find it difficult to pay off debt in Ramadan, you can try to join the KTA debt relief program. The program is usually in the form of a relief program with deductions from bills or extended installments with lower interest rates. This program aims to help you pay off debts according to your abilities. This program is available specifically for UBB Finance international clients.
UBB Finance international is the first technology-based professional services company in Indonesia, which provides a debt management program. This program is designed so that consumers who are in debt, have the ability to control their finances again. UBB Finance indonesia helps clients through a debt management program, specifically designed according to different needs for each client. This program is a combination of education on various opportunities to increase income and reduce expenditure, as well as conduct negotiation processes on existing bank debt requirements to reach the amount of payment that is in accordance with the ability. The head office of UBB Finance Indonesia was established in Jakarta in 2015 by a founding team that has collective experience in the financial sector including debt settlement for more than two decades. UBB Finance makes Indonesia the center of operations and is also a blueprint for the company’s development plans to other ASEAN countries. Since July 2016, UBB Finance Indonesia has become the first company in Asia to be accredited by the International Association of Professional Debt Arbitrators (IAPDA).
The UBB Finance team is ready to help you immediately get rid of your debts. To find out more about the lightening programs offered, you can contact UBB Finance international and simultaneously consult your debt problems, by clicking on the picture at the end of this article.
Even though your financial condition after Lebaran may not be good, but in these ways you can still get up and start paying off your debt. By immediately paying off the debt, of course you will more quickly gain financial independence and reduce your financial burden.