Bringing together two hearts into a marriage should indeed be a celebrated moment to be remembered for all time. Unfortunately, the costs incurred for this celebration are often not small. When starting a wedding ark, people will usually have several loans: KTA, credit card, mortgage, etc. Of course these debts arise because you have to cover the high cost of marriage.
Not to mention if you have been caught in personal debt before marriage, of course the accumulated debt that arises because the cost of marriage can be increasingly burdensome. Side effects when planning to get married but getting into debt are couples who also have difficulties in applying for loans. Usually after marriage, you and your partner will be in the same family card. Your spouse who does not know anything about debt will find it difficult to apply for a loan too.
To overcome this, GJI Finance will provide a solution for those of you who will get married but still in debt:
Celebrating a Simple Wedding
The initial goal of marriage certainly wants to unite two commitments between two people who become one. So, focus on that. To celebrate a new promise and commitment, you don’t just have to show it with a fancy event. Weddings can be done in small quantities as long as they are sacred and happy, especially if you remember that when you are in debt, of course all expenses will be expensive. There are many ways that you can do to realize your dream wedding in a simple way , for example by renting a wedding dress, inviting the closest people, distributing invitations in the form of soft copy, etc. Take advantage of the help of your closest friends or family to realize a low-cost wedding event, for example, asking for help from a friend who likes to sing to fill in the event, cousin who likes to take pictures, etc.
Request Help from the Family to Pay Debt
This option can be the right choice if your family is willing to help. Usually more families voluntary help, however, you should not forget the responsibility to repay the money they have spent. If you decide to use this method, you should look for ways that they don’t have to pay too much. Remember that the debt that is currently ensnaring you is not their responsibility, so finding a gap so that they don’t have to pay that much can be a good initiative. How to? Check out the answer in the third point.
Ask for Help from Experienced Consultants
Starting a marriage with debt bondage is of course not too comfortable, of course your partner also feels burdened, so both you and your partner must try to pay for it. You can use the help of experienced consultants to solve this problem. Usually consulting services begin to be felt when your debt has accumulated too much and you don’t know which type of debt should be settled first.
This option is also useful for those of you who use family assistance to pay off debts. Even though your debt is guaranteed to be paid in advance, seek help from a consultant so you can get relief in paying off the loan. If you use negotiation services, of course you can get the opportunity to take part in a relief program in the form of:
- Debt Discounts in One Time Pay
Programs like this usually give a large amount of deductions. As the name implies, you must immediately pay off the debt in one payment to be free of debt. This type also has other advantages, namely faster to escape the disruption of debt collectors.
- Extended Installments with Low Interest
Restructuring or commonly known as extended installments with lower interest is a program that is suitable for those of you who have limited funds but still want to pay off debt.
- Combined both
This type of relief is usually given by the bank by looking at the financial condition of the customer, so that the program provided can also relieve the client. Even though the installment tenure cannot be as long as the restructuring program and discounts obtained are not as large as the debt discount program, this type of program remains an attractive choice for those who need debt relief.
Help from experienced consultants is useful so you can develop the right strategy in paying off loans. In addition, with the good relations that have been built by a team of consultants with the bank you can usually get even more relief. One of the debt consultants that you can use to solve your debt problems is GJI Finance.
GJI 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. GJI Finance Indonesia helps clients through debt management programs, specifically designed to suit 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. GJI Finance Indonesia headquarters 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. GJI Finance made Indonesia the center of operations as well as a blueprint for the company’s development plan to other ASEAN countries. Since July 2016, GJI Finance Indonesia has become the first company in Asia to be accredited by the International Association of Professional Debt Arbitrators (IAPDA).