Solving Problems with Problems
Who ever owes a debt please point your finger? I'm sure almost all who read this article will point fingers. Including myself. Who ever has a problem with debt, please appoint a finger? Now, many people don't point their fingers but smile. Maybe something remembers his personal experience, or maybe it's hard to admit it. Although sometimes we are embarrassed to admit it, I am sure many of us have had problems with debt. Whether it's just a late payment for a credit card until every day a credit card officer is called, until he visits a rough and scary debt collector.
What do we owe? Generally debt is described as a "solution to our financial problems". Just look at banking product ads, all describe debt as a solution. Debt will indeed be a solution when we can manage it properly. But it can be a problem when not managed properly. And more importantly, when debt is a problem, how to deal with it?
For those of you who have been in a debt position and feel the weight of paying off debt, you will remember the alternative of what we think when debt becomes a problem. Yes, you owe me more. Almost always. My experience working in banking is this. Most debtors who are in trouble, will try to solve the problem by increasing debt. This is the same as solving problems with problems. The result is a bigger problem.
I have also been in a debt position, and Alhamdulillah can handle it. How can I solve my problem first? It turns out it's not with debt anymore. Problems can not be solved with problems, but must be resolved thoroughly from inside-out. Like treatment, it must be from within, only effective. The following is sharing my experience:
Don't avoid it. Having problems in debt is reasonable and can be resolved. So you should not avoid the debt provider. The more you avoid, the bigger the problem. Face and talk carefully. Offer solutions and invite discussion. They also have an interest so you can pay off debt. You also don't need to feel in a position below. The business relationship is equivalent. The conglomerates who have trillions of debt (and arrears for years!) If negotiating with government officials appear super-friendly. So if your debt is still tens or hundreds of millions, just relax.
Don't make our minds stunned by thinking about debt problems. The more thought out, the more severe the problem will be. After all, a problem will not be solved by thinking. Instead, start thinking about opportunities and opportunities to earn extra money without debt. If we think that the solution will come by looking for debt again, then that will happen. So stop thinking that we will add debt to cover debt. Think of opportunities.
Maybe you will protest, how? What opportunity? Today you may not have thought, but God willing, God will help when you start thinking about opportunities. Look around you, is there an opportunity to make extra money halal quickly? I am sure there must be. When we start thinking about opportunities, the door of sustenance will open. I once proved it.
Continue to be grateful. This is the hardest. Where possible in a state of being battered "stuck in debt" still grateful. It's precisely here the challenge. God is wise. This debt experience certainly means. I'm sure the intention was good for you. Maybe it will get you in a much better position. Then there is no reason not to be grateful. Every second, every time, say gratitude in the heart and on the lips. The way to remember is the gift from God that you have received. Your kids are funny, your partner is good, Your work is contested by thousands of people, your business is Alhamdulillah still running, and more. This is important to keep your heart always in a "feel good" state. Opportunities will not come to people with a dull mind and a heart that continues to grumble. Change the contents of your mind and heart with deep gratitude.
Stay happy. The serious problem that I observe from people who face debt problems is that they become unhappy. They feel like a hard person. "Aura" is difficult and comes out and finally they are awkward in business, so the business becomes more difficult. You must always be happy. Your debts occur in your "outside" world. Your self in you is not affected by anything that happens out there. If you want to be happy, then you are happy now, whatever your circumstances. Always happy, your happy "aura" will always radiate, your body language will be good, speaking smoothly, doing business smoothly. Is that difficult to understand? Hehehe ... if it's just practical.
Take action. When there is an opportunity to get additional rizki without debt, take action immediately. No matter how small it is. Sometimes God works mysteriously. Things that seem small and trivial, sometimes become big and bring blessings in the future. Don't have a day without action. Start your day with enthusiasm, because you know what to do today.
Submit. By continuing to strive, always submit to God the best solution. Let it God. God is all-knowing and wise, will surely provide the best solution. Sometimes God pays your debt in a unique way, so you must always be open-minded. I once paid off my debt by bartering. My debt, it turns out I can exchange with skill and knowledge (software) that is zero cost for me. The opportunity comes so suddenly, when the person giving the debt asks where to find the vendor of the software he needs. I immediately grabbed this opportunity by stating that I could give. The next day I immediately put forward the proposal. And when his eyes widened reading the numbers in my proposal, I was kind enough to give them free, as long as my debt was considered zero. We immediately shake hands.
I agree! Closed a credit card this week I had open for 15 years. Revolving debt done.
Nice read. I leave an upvote for this article thumbsup