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TMM第七章读书笔记:第二小步-用“滚雪球”的方法,付清房贷以外的债务

TMM第七章读书笔记:第二小步-用“滚雪球”的方法,付清房贷以外的债务

月寒亭
月寒亭
555 浏览 2021-02-05 发布
*太长不看中文版*
  1. Debt Snowball Form 债务列表,把所有债务从小到大记在表里。每次还一项之后,重新列表。
  2. Pro Rata Debt List Form 每月可还款清单:如果不能每月付清本月贷款,则列清每月每笔债务可还的比例。
  3. Debt Snowball Tracker债务进度追踪:了解自己债务还款的进度,建立自信心。
  4. 一定要停止继续新的贷款。
  5. 发挥创造力,专注还贷款。

 

Step2.PNG
图片来自于@ https://www.daveramsey.com/,版权属于原作者

CHAPTER 7: THE DEBT SNOWBALL

Key Concept #1:Take Hope That You Can Build Genuine Wealth on Your Income
  • The most powerful wealth-building tool is your INCOME.
  • Debt is the enemy of your income.

 

Key Concept #2:Baby Step Two: Start the Debt Snowball

  • List your debts in order with the smallest payoff or balance first. Paying the little debts off first gives you quick feedback, and you are more likely to stay with the plan. Redo this sheet each time you pay off a debt.
  • Use the Debt Snowball to become debt-free except for your home.
  • The major elements of making the Debt Snowball work are using a budget, getting current before you start, smallest-to-largest payoff, sacrifice, and focused intensity.
  • Debt Snowball Form: Get your debt snowball rolling. List all of your debts smallest to largest, and use this sheet to mark them off one by one.
  • Pro Rata Debt List Form:If you can't pay your debts in full each month, this form helps you calculate how much each creditor gets paid right now.


Key Concept #3:Stop Borrowing


Key Concept #4:Adopt the Mind-Set and INTENSITY of a Gazelle

  • One of the most dynamite-style ways of jump-starting the Debt Snowball is to SELL SOMETHING
  • Work “overtime” or “more hours”
  • Get a second part-time job
  • Cut back on “frill” or “luxury” items


Key Concept #5:Be Smart About Second Mortgage, Business Debt, and Rental Property Mortgages

 

读书笔记的思维导图:

TMM3.jpg
TMM.jpg
TMM2.jpg

结合书和练习册一起看,思路更清晰。(亚马逊上略贵,可以在一些二手书网站上买旧书更划算)。

TMM COVER.PNG

 

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本文著作权归作者本人和北美省钱快报共同所有,未经许可不得转载。文章仅代表作者看法,如有更多内容分享或是对文中观点有不同见解,省钱快报欢迎您的投稿。

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