5 Dampak Tidak Melakukan Perencanaan Keuangan

Ilustrasi Perencanaan Keuangan | Jaringanprima

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.

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