Sesimpel Ini Strategi Meraih Keamanan dan Kenyamanan Finansial

Seorang entrepreneur umumnya akan selalu berurusan dengan berbagai manajemen atau pengelolaan yang berkaitan dengan urusan pribadi maupun urusan bisnis. Salah satu hal yang akan selalu di kelola oleh seorang entrepreneur adalah mengatur dan mengelola keuangan pribadi. Utamanya agar meraih keamanan dan kenyamanan finansial.

Jika di lihat dari luar, memang seorang entrepreneur akan memancarkan kesan seorang yang mampu mengelola berbagai hal dengan baik. Namun nyatanya, dalam hal pengelolaan terutama mengatur dana pribadi, terkadang para entrepreneur juga merasa sedikit kesulitan. Hal-hal yang biasa di alami ketika mengatur keuangan pribadi seorang entrepreneur adalah kesulitan menabung karena pendapatan yang tidak menentu setiap bulannya. Hal lain yang juga mungkin akan terasa cukup sulit dalam mengatur keuangan seorang entrepreneur adalah mendapatkan keamanan dan kenyamanan finansial. 

Baca Juga: Sesimpel Ini Wujudkan Impianmu dengan Tujuan Keuangan

Kira-kira, apa yang di maksud dengan keamanan dan kenyamanan finansial? Apakah hal tersebut sangat krusial bagi seorang entrepreneur dalam mengelola uang? Simak informasi lengkapnya di bawah ini. 

Keamanan Finansial

Dalam mengatur keuangan, seorang entrepreneur pasti akan berusaha sebisa mungkin untuk selalu dapat mencukupi berbagai kebutuhan pribadi dan orang yang di tanggung (apabila sudah berkeluarga). Hal tersebut sebenarnya termasuk ke dalam keamanan finansial, di mana seorang entrepreneur harus bisa mencukupi berbagai pengeluaran dan kebutuhan selama 12 bulan atau satu tahun kedepan. Dalam membuat keamanan finansial, fokus utama yang harus di lakukan yaitu memiliki arus kas yang stabil, dana darurat, dan manajemen risiko serta proteksi.

Strategi yang dapat di gunakan seorang entrepreneur untuk mencapai kemanan finansial pribadi, yaiu sebagai berikut:

  1. Miliki kontrol terhadap keuangan dengan merencanakan dan merancang anggaran dana untuk kebutuhan setiap bulan. 
  2. Membuat catatan pengeluaran dan pemasukan keuangan harian pribadi. Usahakan untuk tidak mencampur dana pribadi dengan dana usaha. 
  3. Memiliki emergency fund (dana darurat) sesuai kebutuhan. 
  4. Memiliki asuransi sebagai proteksi diri dan keluarga, seperti asuransi jiwa, asuransi kesehatan, asuransi pendidikan anak, maupun asuransi atas aset yang di miliki. Jika Anda ingin segera memiliki asuransi tapi tidak memiliki cukup waktu untuk datang ke perusahaan asuransi, OneAset hadir sebagai solusi terbaik untuk Anda. Cukup dengan mengunduh aplikasi OneAset di App Store atau Play Store, Anda bisa langsung membeli berbagai produk asuransi dari perusahaan asuransi kredibel dan terbaik di Indonesia. Karena proteksi diri adalah sebuah kebutuhan, maka jangan menunda-nunda memiliki asuransi.

Apabila seorang entrepreneur sudah mulai menerapkan strategi tersebut, maka dapat di pastikan kemanan atas finansial sudah di miliki. Apakah dalam mengatur keuangan, berada di tahap memiliki kemanan finansial sudah cukup? 

Ternyata, ada tahap berikutnya yang berguna untuk masa depan seorang entrepreneur, yaitu tahap kenyamanan finansial. 

Kenyamanan Finansial

Tahap selanjutnya dalam mengatur keuangan adalah memiliki kenyamanan finansial. Pada tahap ini, seorang entrepreneur bisa mencukupi berbagai pengeluaran dan kebutuhan jangka menengah sampai jangka panjang di beberapa tahun kedepan (kebutuhan masa depan).

Strategi yang dapat di gunakan untuk mencapai kenyamanan finansial seorang entrepreneur yaitu: 

  1. Membuat financial planning atau rencana keuangan baik dibuat oleh diri sendiri atau bantuan dari jasa perencana keuangan. 
  2. Menentukan tujuan keuangan yang ingin dicapai dengan mulai membuat perhitungan kebutuhan atas tujuan tersebut. 
  3. Wajib merencanakan masa pensiun. 
  4. Mulai berinvestasi, biarkan uang yang bekerja untuk Anda. 
  5. Menyiapkan warisan untuk anak dan pasangan. 

Tahap ini adalah tahapan mengatur keuangan yang banyak diimpikan oleh banyak orang, termasuk sebagian besar entrepreneur. Jika seorang entrepreneur sudah mencapai tahap ini, maka mereka tidak perlu lagi mengeluarkan banyak tenaga untuk menghasilkan uang karena uang sudah bisa bekerja untuk Anda. Memang butuh perjuangan untuk mencapai tahap kenyamanan finansial, tapi apabila Anda sudah sampai di tahap ini maka akan terasa sangat menyenangkan. 

Konsisten Mengatur Keuangan

Sebagai seorang entrepreneur, ternyata memiliki pengaturan dan pengelolaan finansial yang baik merupakan hal yang wajib dilakukan. Konsisten dalam mengatur uang merupakan kunci utama agar seseorang dapat melewati tahap keamanan finansial dan mencapai kenyamanan finansial. Setelah membaca strategi mencapai keamanan dan kenyamanan finansial, Finplan berharap Anda bisa segera memulainya. 

Semoga artikel ini bermanfaat, terima kasih!

Sumber:

https://klikasuransiku.com/detailArt/id=140/cat=3

Penulis:

Kategori: Keuangan

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