Hindari 5 Kesalahan Dalam Perencanaan Keuangan

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.

Sumber :

https://economy.okezone.com/read/2021/05/16/622/2410703/5-kesalahan-dalam-perencanaan-keuangan-yang-harus-dihindari

https://finansial.bisnis.com/read/20190803/55/1132195/7-kesalahan-ini-sering-terjadi-dalam-perencanaan-keuangan

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