Perancanaan keuangan merupakan suatu proses untuk mencapai tujuan hidup. Sayangnya, masih banyak masyarakat yang tidak sadar akan pentingnya perencanaan keuangan. Tentunya dengan merencanakan keuangan seseoarang akan dapat mengelola keuangan secara terencana.
Manfaat dari perencanaan keuangan yang jelas akan membuat seseorang akan menjadi lebih terencana dalam membuat keputusan finansial, seperti; memiliki rumah pribadi setelah menikah, memiliki motivasi yang kuat untuk mencapai tujuan, dan memiliki dana pensiun untuk berbahagia di hari tua. Mari kita simak pembahasan dari dampak tidak memiliki perencanaan keuangan yang baik:
Tidak Memiliki Asset Tetap
Pernahkah kita melihat orang yang sudah bekerja sekian lama, akan tetapi tidak memiliki asset yang dimiliki sampai saat ini. Perilaku tersebut disebabkan oleh tidak adanya perencanaan keuangan yang dimulai sejak dini. Jika kita memiliki perencanaan keuangan sejak usia muda, tentunya kita akan memiliki asset baik yang bergerak maupun tidak.
Oleh karena itu, penting sekali menabung dan berinvestasi sejak dini. Mulailah rutin untuk menyisihkan gaji kita sekitar 20% – 30% setiap bulannya dan lakukanlah secara konsisten untuk kedepannya.
Tidak Memiliki Motivasi dalam Hidup
Kondisi finansial yang kacau dapat memilik dampak kepada kita, seperti: menjadi bermalas-malasan dalam bekerja, stress memilikirkan hutang yang terus menumpuk, bahkan gaji yang didapat tidak pernah cukup (kurang bersyukur). Misalnya, kita memiliki keinginan untuk membeli rumah dengan sistem KPR.
Apabila kita memiliki perencanaan finansial yang baik tentu saja kita dapat membeli rumah impian yang memang sesuai dengan kemampuan kita untuk membayar angsuran setiap bulannya. Hal tersebut akan mendukung semangat dan motivasi kita untuk lebih cepat membayar angsuran KPR dengan mencari pemasukan tambahan sehingga mampu mencapai target kebutuhan lainnya.
Tidak Memiliki Dana Pensiun
Bayangkan jika kita harus terus bekerja sampai usia tua, apakah kita yakin akan tetap bekerja setiap harinya? Jika kita lebih memilih untuk memiliki perencanaan finansial dengan baik, maka kita akan mempunyai pemasukan dari investasi atau dana pensiun untuk usia tua nantinya.
Ketahui tips lainnya, yuk.
Sumber :
https://www.jaringanprima.co.id/id/pentingnya-perencanaan-keuangan
When British traders landed on India’s shores in the 1600s, they arrived in search of spices and silk but stayed for centuries – leaving behind a legacy that would shape the nation long after their colonial exploitation ended: the English language.
Over the centuries, English seeped into the very fabric of Indian life – first as a tool of commerce, then as the language of law and, eventually, a marker of privilege.
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Now, after more than a decade of Hindu-nationalist rule, Prime Minister Narendra Modi’s Bharatiya Janata Party (BJP) is mounting perhaps the most significant challenge yet to the language’s place in India.
“Those who speak English will soon feel ashamed,” Home Minister Amit Shah said last month, igniting a heated debate about national identity and social mobility in the polyglot nation of 1.4 billion.
While Shah did not mention India’s former colonial masters, he declared that “the languages of our country are the jewels of our culture” – and that without them, “we cease to be truly Indian.”
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Spoken behind the walls of colonial forts and offices, English in India was at first the language of ledgers and treaties.
But as British rule expanded from the ports of Gujarat to the palaces of Delhi, it became the lingua franca of the colonial elite.
At independence, India faced a dilemma. With hundreds of languages and dialects spoken across its vast landscape, its newly appointed leaders grappled with the question of which one should represent the new nation.
Hindi, the predominant language in the north, was put forward as a candidate for official language.
But strong resistance from non-Hindi-speaking regions – especially in the south – meant English would remain only as a temporary link to unite the country. It’s a legacy that endures to this day – and still rankles some.
“I subscribe to the view that English is the language of the colonial masters,” Pradeep Bahirwani, a retired corporate executive from the southern city of Bengaluru, said, adding: “Our national language should be a language which… has got roots in India.”
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When British traders landed on India’s shores in the 1600s, they arrived in search of spices and silk but stayed for centuries – leaving behind a legacy that would shape the nation long after their colonial exploitation ended: the English language.
Over the centuries, English seeped into the very fabric of Indian life – first as a tool of commerce, then as the language of law and, eventually, a marker of privilege.
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Now, after more than a decade of Hindu-nationalist rule, Prime Minister Narendra Modi’s Bharatiya Janata Party (BJP) is mounting perhaps the most significant challenge yet to the language’s place in India.
“Those who speak English will soon feel ashamed,” Home Minister Amit Shah said last month, igniting a heated debate about national identity and social mobility in the polyglot nation of 1.4 billion.
While Shah did not mention India’s former colonial masters, he declared that “the languages of our country are the jewels of our culture” – and that without them, “we cease to be truly Indian.”
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Spoken behind the walls of colonial forts and offices, English in India was at first the language of ledgers and treaties.
But as British rule expanded from the ports of Gujarat to the palaces of Delhi, it became the lingua franca of the colonial elite.
At independence, India faced a dilemma. With hundreds of languages and dialects spoken across its vast landscape, its newly appointed leaders grappled with the question of which one should represent the new nation.
Hindi, the predominant language in the north, was put forward as a candidate for official language.
But strong resistance from non-Hindi-speaking regions – especially in the south – meant English would remain only as a temporary link to unite the country. It’s a legacy that endures to this day – and still rankles some.
“I subscribe to the view that English is the language of the colonial masters,” Pradeep Bahirwani, a retired corporate executive from the southern city of Bengaluru, said, adding: “Our national language should be a language which… has got roots in India.”
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Just when we thought the Coldplay Jumbotron controversy had run its course, Gwyneth Paltrow has entered the chat.
The Academy Award-winning actress and Goop founder appeared in a new – and very funny – ad for Astronomer, the tech firm whose former CEO and human resources chief launched a million memes after being shown on a Jumbotron at a Coldplay concert last week.
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“I’ve been hired on a very temporary basis to speak on behalf of the 300-plus employees at Astronomer,” Paltrow said in the clip shared on the company’s Instagram on Friday night, adding that Astronomer had received “a lot of questions over the last few days.”
In addition to her other hats, Paltrow, of course, is also the famously “consciously uncoupled” ex-wife of Coldplay frontman Chris Martin, who at a concert in Boston last week inadvertently revealed an intimate moment between two top executives at Astronomer – who were seen embracing but immediately ducked from view – during a performance of Coldplay’s “Jumbotron Song.”
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“Whoa, look at these two,” Martin quipped at the time. “Either they’re having an affair or they’re just very shy.”
The moment caused a major internet sensation and an immediate spotlight on Astronomer. Both executives shown in the video have since resigned.
In the clip featuring Paltrow on Friday, the “questions” she addresses do not deal with the controversy, but rather the tech-focused business dealings of New York-based firm Astronomer.
The clip’s caption read simply, “Thank you for your interest in Astronomer.”
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