Perencanaan keuangan merupakan salah satu hal penting yang harus kita pahami sejak dini. Kenapa harus ada perencanaan dalam keuangan? Karena untuk mengatur semaksimal mungkin anggaran atau dana yang kita miliki. Namun, nyatanya tidak sedikit dari kita yang mengatur keuangan hanya ala kadarnya sehingga hasil yang tercapai tidak cukup optimal. Berikut ini merupakan 5 kesalahan dalam perencanaan keuangan yang harus kita hindari, yaitu:
Tidak Memiliki Alokasi Angggaran
Tidak menutup kemungkinan hingga saat ini kita memiliki pendapat bahwa mengalokasikan anggaran untuk segala jenis pengeluaran mampu memberikan kemudahan dalam mengevaluasi dan memperbaiki rencana keuangan untuk masa depan.
Membeli Sesuatu Tanpa Perencanaan
Setelah membuat percanaan untuk membeli suatu barang, kesalahan yang sering kita lakukan yaitu membeli sesuatu tanpa adanya perencanaan. Ketika ingin membeli suatu barang yang kita inginkan harus menyesuaikan dengan kondisi keuangan serta alokasikan anggaran atau dana yang telah kita buat.
Banyak Pengeluaran Konsumtif
Penyebab utama yang menyebabkan anggaran atau dana menipis yaitu pengeluaran yang konsumtif. Kita harus bisa memprioritaskan pengeluaran berdasarkan kebutuhan terlebih dahulu bukan keinginan. Bagaimana solusinya? Solusinya adalah mencatat pengeluaran yang bersifat konsumtif setiap bulan serta sesuaikan dengan alokasi anggaran atau dana yang kita miliki.
Tidak Memiliki Dana Darurat
Dalam perencanaan keuangan, dana darurat merupakan dana wajib yang berguna untuk keperluan di luar dugaan atau prediksi. Dana darurat ini berbeda dengan tabungan pada umumnya. Tidak ada salahnya memang menggunakan tabungan untuk kebutuhan yang mendesak, tetapi kurang tepat karena hal tersebut seharusnya kita alokasikan kepada dana darurat. Dana darurat harus selalu terisi dalam jumlah tertentu, yaitu: minimal 6 kali total pengeluaran perbulan untuk kita yang masih single, sedangkan 12 – 15 kali pengeluaran bagi kita yang sudah berkelurga atau memiliki tanggungan. Sementara tabungan untuk memenuhi kebutuhan yang teman-teman sudah rencanakan, misal: untuk membeli sesuatu atau berlibur dan tidak wajib untuk diisi kembali.
Tidak Melakukan Investasi Menjadi Kesalahan Dalam Perencanaan Keuangan
Salah satu masalah masyarakat Indonesia terkait perencanaan keuangan yaitu minimnya pengetahuan akan investasi. Mungkin kita mengira bahwa dengan pendapatan gaji yang minim melakukan investasi merupakan hal yang sulit untuk dilakukan. Padahal investasi seharusnya kita mulai di 10% alokasi anggaran pendapatan dan secara konsisten melakukannya. Bahkan saat ini sudah tersedia berbagai macam instrument investasi dengan berbagai profil risiko. Yuk, mulailah dari sekarang agar tidak terlambat di kemudian hari.
Setelah kita mengetahui 5 kesalahan yang sering terjadi dalam perencanaan keuangan. Marilah kita hindari kesalahan tersebut agar terciptanya kondisi finansial yang lebih sehat di masa depan.
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According to Cook, having multiple meteor showers occur at the same time is a common phenomenon. “For example, during the Perseids, you have the remnants of the Southern Delta Aquariids going on,” he said.
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Both the Alpha Capricornids and Southern Delta Aquariids become visible annually when Earth passes through debris fields left by two Jupiter-family comets: 169P/NEAT (Alpha Capricornids) and P2008/Y12 (Southern Delta Aquariids). Cook also noted that, each year, “we’re passing closer to the core of the material that produces (the Alpha Capricornids) shower and in 200 years, it’ll be the strongest shower that’s visible from Earth. It’ll actually produce more than 1,000 (meteor streaks) an hour, which is quite a bit stronger than it is now.”
For those interested in contributing to astronomers’ understanding of meteors, this week presents the perfect opportunity to count how many meteors you see in the night sky and report them to places like the American Meteor Society.
Upcoming Meteor Showers
Here are the other meteor showers to anticipate in 2025 and their peak dates, according to the American Meteor Society and EarthSky.
Perseids: August 12-13
Draconids: October 8-9
Orionids: October 22-23
Southern Taurids: November 3-4
Northern Taurids: November 8-9
Leonids: November 16-17
Geminids: December 12-13
Ursids: December 21-22
Related article
Lunar and solar eclipses in 2025
Two eclipse events will occur as summer ends.
A total lunar eclipse will be visible in Europe, Asia, Australia, Africa, parts of eastern South America, Alaska and Antarctica on September 7 and 8, according to Time and Date.
A lunar eclipse occurs when Earth passes exactly between the sun and the moon, throwing the latter into shadow and making it appear darker or dimmed.
When the moon sits in the darkest part of Earth’s shadow, the sun’s rays bend around Earth and refract light on the moon’s surface, which gives it a reddish hue, according to London’s Natural History Museum. Some people call the result a “blood moon.”
Two weeks after the total lunar eclipse, a partial solar eclipse will be visible in parts of Australia, the Atlantic, the Pacific and Antarctica on September 21.
Solar eclipses occur when the moon moves between the sun and Earth, blocking part of the sun’s surface from view, according to NASA. This creates a crescent shape — as if something took a “bite” out of the sun.
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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.
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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.
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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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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.
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Just when we thought the Coldplay Jumbotron controversy had run its course, Gwyneth Paltrow has entered the chat.
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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.”
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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.
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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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Since India’s independence from Britain in 1947, the status of English in India has been deeply political – entwined with questions of identity, power, and national direction.
Today, English is one of several official languages in India, spoken by about 10% of the population. Hindi is the first language for around 44% of citizens, according to the 2011 census.
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But in recent years, Modi’s BJP has placed particular emphasis on promoting Hindi and reducing the use of English in public life.
The prime minister almost never delivers speeches in English, preferring Hindi for national addresses such as his monthly radio program. His administration has encouraged officials to use Hindi on social media and in government correspondence – though, after criticism from non-Hindi-speaking states, clarified that this was intended mainly for the Hindi belt in the north.
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When India hosted world leaders for the 2023 G20 summit in New Delhi, invitations were sent out from “Bharat” – the Sanskrit or Hindi name for the country – instead of “India,” fueling speculation that the government aims to ultimately phase out the country’s English designation altogether.
Modi’s critics have been quick to note his political motives behind these moves.
With its roots in the Rashtriya Swayamsevak Sangh (RSS), a right-wing organization that advocates Hindu hegemony within India, the BJP’s language policies resonate with many in a country where nearly 80% of people are Hindu.
Analysts say the BJP is seeking to capitalize on this demographic by promoting language policies that strengthen its support base in the north.
According to Rita Kothari, an English professor from Ashoka University, the government “is certainly interested in homogenizing the country and making Hindi more widespread.”
But that policy can also backfire – in part because many regions, such as Marathi-speaking Maharashtra in the west – are staunchly proud of their local language.
The violent clashes in the state’s megacity Mumbai earlier this month were sparked by the regional government’s controversial decision to make Hindi a compulsory third language in public primary schools.
Pushback and protest has also been especially strong in the south, where English and regional languages such as Tamil, Telugu, and Kannada are valued as symbols of local identity and autonomy.
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