Plano para makabayaad ng utang kung lubog ka na

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  1. Alamin kung magkano pa ang balanse at magkano ang mga dapat bayaran  buwan buwan. Alamin mo rin kung magkano ang pumapasok at lumalabas na pera sayo ngayon.
  2. Bawasan ang outflow ng pera.
    1. Negotiate to entities kung papaano mapapaliit ang babayaran monthly. Kung pwede ay interest lang muna or idefer/idelay ang bayarin mas mabuti ito para sa cashflow.
    2. Reduce unavoidable expenses to least possible.
    3. Transfer loans. Humanap ng ibang mauutangan na may mas maliiti na interest. Computin kasama ang fees.
  3. Focus on getting more sales
    1. Products or services that doesn’t require new equipment or inventory.
    2. Focus on products that generate the most money.
    3. Sell assets na hindi naman parating nagagamit.
    4. Find other side hustles.
  4. Once you reached a positive cash flow, focus on attacking the loans that takes up the most expense in cash value.