Millenieals! Tahukah kamu kalau literasi keuangan saat ini menjadi penting yang harus dikuasai seluruh orang? Ya betul. Agar kondisi keuanganmu baik, kamu perlu memahami tentang pentingnya perencanaan dan pengelolaan keuangan melalui literasi finansial.
Jika saat ini kamu sedang memahami pentingnya literasi finansial lebih jauh, maka jangan lupa praktekkan dalam kehidupan sehari-harimu.
Jika saat ini kamu masih kebingungan untuk mengelola keuangan, menentukan dana darurat dan belum memiliki asuransi, tandanya kamu perlu belajar literasi keuangan lebih jauh lagi dan ini juga menandakan kondisi keuanganmu yang belum sehat.
Kalau kamu bingung asal muasal tidak sehatnya keuanganmu, simak beberapa faktor di bawah ini yang menyebabkan keuanganmu tidak sehat.
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#1 Kondisi Keuanganmu Gak Sehat Karena Tunggakan Cicilan dan Kewajiban
Apakah kamu pernah menunggak pembayaran atau suatu cicilan? Jika iya, tandanya keadaan keuanganmu saat ini sedang tidak sehat.
Ingatlah bahwa cicilan adalah kewajiban dan bentuk tanggung jawab kamu atas suatu barang yang kamu beli dan itu bersifat wajib. Cobalan lihat kembali pengeluaranmu, apakah ada uang yang kamu belanjakan untuk hal yang tidak penting? Jangan sampai kamu lupa bahkan sengaja tidak menyisihkan dana untuk membayar cicilan.
#2 Uang sudah habis dan kebutuhan belum terpenuhi
Kondisi ini pasti akan membuatmu pusing dan bingung untuk mencari jalan keluarnya. ya , jika kamu tidak memahami cara mengatur uang yang baik, maka hal inilah yang akan terjadi. Kamu tidak tahu kemana saja dan untuk apa saja uangmu pergi sedangkan kamu masih butuh uang untuk memenuhi keperluan yang lain.
Jika kamu berada di posisi ini, maka hal pertama yang harus kamu lakukan adalah kurangi gaya hidup yang boros, mulai berhemat dan catat semua pengeluaranmu.
#3 Tidak ada tabungan
Tahukah kamu bahwa tabungan merupakan hal penting yang wajib kamu miliki? Ya, jika memiliki tabungan setidaknya kamu memiliki dana simpanan yang bisa kamu gunakan sebagai dana darurat atau kamu bisa mencapai impianmu. Selain itu, menabung juga akan membantumu untuk berhemat dan menahan keinginanmu untuk selalu membelanjakan uang yang kamu miliki.
Jika kamu tidak memiliki tabungan atau selalu gagal menabung, maka dapat dipastikan kondisi keuanganmu tidak sehat. Tentunya ini sangat tidak baik dan kamu bisa saja akan sangat rugi suatu saat nanti. Kalau kamu tidak ingin menghadapi kondisi tersebut, maka kamu harus menabung dan tanamkan pada dirimu bahwa menabung itu penting dan cobalah untuk berkomitmen dan konsisten dalam menabung.
#4 Boros
Berbagai kemudahan dalam berbelanja dan berbagai promo yang ada ternyata bisa membuat keuangmu tidak sehat lho. Karena hal tersebut akan membuatmu menjadi seorang ya boros.
Membeli kebutuhan bulanan dengan memanfaatkan diskon memang sedikit membantu meminimalisir pengeluaran. Tapi kamu juga harus mengontrol dirimu untuk tidak membeli apapun yang sedang diskon karena barang tersebut belum tentu penting.
#5 Kondisi Keuanganmu Gak Sehat Karena Pengeluaran over budget
Apakah kamu suka membuat budgeting untuk keperluan bulananmu? Jika iya, tandanya kamu sudah sedikit memahami tentang cara mengelola uang yang baik.
Eits! Tapi apakah pengeluaranmu selalu tepat sesuai budget, atau masih melebihi budget? Jika masih melebihi budget, tandanya ada yang perlu kamu perbaiki nih!
Caranya, kamu bisa mengatur uang keuanganmu dan melakukan evaluasi terhadap pengeluaran bulan lalu. Dengan cara ini, kamu bisa tahu apa yang salah dari budgeting mu yang akhirnya selalu membuatmu over budget.
Kembalikan Kondisi Keuanganmu Dengan Cara Ini
Jika kamu sedang terjebak pada kondisi-kondisi di atas, maka ada beberapa tips untukmu agar bisa mengembalikan keuangan yang sehat. Berikut ini adalah beberapa tips yang bisa kamu ikuti.
- Fokuskan diri untuk melunasi cicilan dan hutang
- Membuat rencana tuuan keuangan
- Kontrol diri ketika berbelanja
- Catat pengeluaran harian
- Punya mentor keuangan profesional
Semoga dengan mengikuti tips di atas, keuanganmu bisa kembali sehat dan kamu bisa mencapai tujuan keuangan yang kamu impikan.
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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.”
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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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.
When Hussain AlMoosawi arrived home, he didn’t recognize anything.
The Emirati photographer, who had spent eight years studying in Australia, returned to the United Arab Emirates (UAE) in 2013. He’d missed a real estate boom of dizzying proportions: not just new buildings, but new districts.
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More than that, the buildings of his childhood were disappearing, replaced by shiny new skyscrapers.
But for AlMoosawi, these international icons were not the urban fabric of his home: it was the oft-overlooked, mid-century office towers and residential blocks squeezed between new highways and overshadowed by luxury developments that felt most familiar.
It sparked a desire to “understand the urban context of the UAE,” and AlMoosawi set out to meticulously document and capture these underappreciated buildings, “and reimagine the city as if it were the ‘80s, the time when I was born.”
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Initially focusing on industrial landscapes, temporary structures and air conditioning units, he began to notice symmetry in many of the buildings he was photographing, inspiring his current project: facades.
“Facades are like a face,” said AlMoosawi. “It’s something that people connect with.”
His bold, geometric images strip away context to spotlight the character and diversity of everyday buildings. Using a telephoto lens to shoot close-ups from the ground or elevated positions, AlMoosawi carefully frames out distractions and sometimes removes minor obstructions like lampposts in post-processing.
So far, the 41-year-old, who is editor-in-chief for National Geographic AlArabiya Magazine, has photographed over 600 building?s across the UAE, and next year hopes to complete his collection in Abu Dhabi, where he lives.
In the long term, he hopes to turn the “lifetime project” into an interactive archive that both preserves urban heritage and invites viewers to rediscover their own city.
“Our cities aren’t big, in terms of scale, compared to many other cities,” said AlMoosawi. “But then they have a story to tell, they have things between the lines that we don’t see, and my quest is to see these things.”
When Hussain AlMoosawi arrived home, he didn’t recognize anything.
The Emirati photographer, who had spent eight years studying in Australia, returned to the United Arab Emirates (UAE) in 2013. He’d missed a real estate boom of dizzying proportions: not just new buildings, but new districts.
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More than that, the buildings of his childhood were disappearing, replaced by shiny new skyscrapers.
But for AlMoosawi, these international icons were not the urban fabric of his home: it was the oft-overlooked, mid-century office towers and residential blocks squeezed between new highways and overshadowed by luxury developments that felt most familiar.
It sparked a desire to “understand the urban context of the UAE,” and AlMoosawi set out to meticulously document and capture these underappreciated buildings, “and reimagine the city as if it were the ‘80s, the time when I was born.”
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Initially focusing on industrial landscapes, temporary structures and air conditioning units, he began to notice symmetry in many of the buildings he was photographing, inspiring his current project: facades.
“Facades are like a face,” said AlMoosawi. “It’s something that people connect with.”
His bold, geometric images strip away context to spotlight the character and diversity of everyday buildings. Using a telephoto lens to shoot close-ups from the ground or elevated positions, AlMoosawi carefully frames out distractions and sometimes removes minor obstructions like lampposts in post-processing.
So far, the 41-year-old, who is editor-in-chief for National Geographic AlArabiya Magazine, has photographed over 600 building?s across the UAE, and next year hopes to complete his collection in Abu Dhabi, where he lives.
In the long term, he hopes to turn the “lifetime project” into an interactive archive that both preserves urban heritage and invites viewers to rediscover their own city.
“Our cities aren’t big, in terms of scale, compared to many other cities,” said AlMoosawi. “But then they have a story to tell, they have things between the lines that we don’t see, and my quest is to see these things.”
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.
When Hussain AlMoosawi arrived home, he didn’t recognize anything.
The Emirati photographer, who had spent eight years studying in Australia, returned to the United Arab Emirates (UAE) in 2013. He’d missed a real estate boom of dizzying proportions: not just new buildings, but new districts.
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More than that, the buildings of his childhood were disappearing, replaced by shiny new skyscrapers.
But for AlMoosawi, these international icons were not the urban fabric of his home: it was the oft-overlooked, mid-century office towers and residential blocks squeezed between new highways and overshadowed by luxury developments that felt most familiar.
It sparked a desire to “understand the urban context of the UAE,” and AlMoosawi set out to meticulously document and capture these underappreciated buildings, “and reimagine the city as if it were the ‘80s, the time when I was born.”
https://tripscan36.org
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Initially focusing on industrial landscapes, temporary structures and air conditioning units, he began to notice symmetry in many of the buildings he was photographing, inspiring his current project: facades.
“Facades are like a face,” said AlMoosawi. “It’s something that people connect with.”
His bold, geometric images strip away context to spotlight the character and diversity of everyday buildings. Using a telephoto lens to shoot close-ups from the ground or elevated positions, AlMoosawi carefully frames out distractions and sometimes removes minor obstructions like lampposts in post-processing.
So far, the 41-year-old, who is editor-in-chief for National Geographic AlArabiya Magazine, has photographed over 600 building?s across the UAE, and next year hopes to complete his collection in Abu Dhabi, where he lives.
In the long term, he hopes to turn the “lifetime project” into an interactive archive that both preserves urban heritage and invites viewers to rediscover their own city.
“Our cities aren’t big, in terms of scale, compared to many other cities,” said AlMoosawi. “But then they have a story to tell, they have things between the lines that we don’t see, and my quest is to see these things.”
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.
https://trip-scan.biz
трипскан сайт
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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