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.
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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.
Over the centuries, English seeped into the very fabric of Indian life – first as a tool of commerce, then as the language of law and, eventually, a marker of privilege.
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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.
“Those who speak English will soon feel ashamed,” Home Minister Amit Shah said last month, igniting a heated debate about national identity and social mobility in the polyglot nation of 1.4 billion.
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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Spoken behind the walls of colonial forts and offices, English in India was at first the language of ledgers and treaties.
But as British rule expanded from the ports of Gujarat to the palaces of Delhi, it became the lingua franca of the colonial elite.
At independence, India faced a dilemma. With hundreds of languages and dialects spoken across its vast landscape, its newly appointed leaders grappled with the question of which one should represent the new nation.
Hindi, the predominant language in the north, was put forward as a candidate for official language.
But strong resistance from non-Hindi-speaking regions – especially in the south – meant English would remain only as a temporary link to unite the country. It’s a legacy that endures to this day – and still rankles some.
“I subscribe to the view that English is the language of the colonial masters,” Pradeep Bahirwani, a retired corporate executive from the southern city of Bengaluru, said, adding: “Our national language should be a language which… has got roots in India.”
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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.
Over the centuries, English seeped into the very fabric of Indian life – first as a tool of commerce, then as the language of law and, eventually, a marker of privilege.
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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.
“Those who speak English will soon feel ashamed,” Home Minister Amit Shah said last month, igniting a heated debate about national identity and social mobility in the polyglot nation of 1.4 billion.
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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Spoken behind the walls of colonial forts and offices, English in India was at first the language of ledgers and treaties.
But as British rule expanded from the ports of Gujarat to the palaces of Delhi, it became the lingua franca of the colonial elite.
At independence, India faced a dilemma. With hundreds of languages and dialects spoken across its vast landscape, its newly appointed leaders grappled with the question of which one should represent the new nation.
Hindi, the predominant language in the north, was put forward as a candidate for official language.
But strong resistance from non-Hindi-speaking regions – especially in the south – meant English would remain only as a temporary link to unite the country. It’s a legacy that endures to this day – and still rankles some.
“I subscribe to the view that English is the language of the colonial masters,” Pradeep Bahirwani, a retired corporate executive from the southern city of Bengaluru, said, adding: “Our national language should be a language which… has got roots in India.”
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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.”
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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.”
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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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