Apakah kalian pernah membaca buku “You Need a Budget” oleh Jesse Mecham? Buku “You Need a Budget” mengajarkan praktik yang dapat membantu kita menghilangkan kecemasan finansial. Praktik tersebut terbentuk ketika Jesse awalnya membuat spreadsheet pribadi untuk memantau semua pengeluaran Jesse dan istrinya setiap hari yang nantinya jadi blueprint rancangan anggaran.
Pada saat itu, kondisi pasangan tersebut sedang dalam keadaan sulit secara finansial.
Melalui penggunaan metode yang akan diajarkan Jesse, membantu mereka untuk mengatur anggaran keuangan sehingga dapat melewati keadaan sulit saat itu.
Berkeinginan untuk mencari uang tambahan, Jesse mulai mengajarkan aturan metode penganggaran yang ia gunakan kepada orang lain dan membagikan spreadsheet-nya.
Spreadsheet inilah yang kemudian berubah menjadi aplikasi keuangan pribadi dan sudah membantu banyak penggunanya untuk mengatur penganggaran keuangannya.
Simak Sampai Habis Aturan Metode Jesse Berikut!
1. Berikan Setiap Sen Pekerjaan
Langkah pertama dalam membangun anggaran yang lebih baik adalah memutuskan apa yang kita ingin uang lakukan untuk kita.
Namun, sebelum dapat memberikan setiap sen pekerjaan, Kamu harus tahu “pekerjaan” mana yang perlu dilakukan.
Kamu dapat memulai dengan membuat daftar mengenai kebutuhan utama yang harus di penuhi seperti biaya utilitas, transportasi, dan lain sebagainya yang esensial keberadaannya untuk bertahan hidup.
Setelah kebutuhan utama terpenuhi, kemudian Kamu harus “memprioritaskan prioritas”.
Artinya, Kamu dapat melakukan apa pun yang kalian inginkan dengan uang yang tersisa.
Misalnya, ingin bepergian, beli sepatu baru, atau hal lainnya yang membuat kalian bahagia.
Setelah membuat list mengenai hal-hal yang kalian inginkan, Kamu dapat menambahkan hal tersebut ke rancangan anggaran.
2. Asumsikan Pengeluaran Anda yang Sebenarnya
Jika pada aturan pertama, Jesse mengajarkan untuk menganggarkan biaya untuk hal-hal penting dan menyenangkan dalam hidup.
Aturan kedua menganjurkan kita untuk menyisihkan uang untuk “pengeluaran sebenarnya”.
“Pengeluaran sebenarnya” seringkali tidak muncul sebagai kewajiban rutin bulanan, tetapi muncul dalam 2 jenis yaitu:
- Dapat di prediksi yaitu pengeluaran yang dapat dibayarkan sepanjang tahun seperti asuransi mobil, asuransi rumah, tagihan air dan listrik, hadiah liburan, dan perjalanan.
- Hal-hal yang tidak terduga tetapi sangat di perlukan yaitu pengeluaran untuk hal-hal yang sulit kita lakukan sendiri seperti menabrakkan mobil, membawa anjing ke dokter hewan, secara tidak sengaja merusak perabotan, dan lain sebagainya.
“Penganggaran sebenarnya”, sering menggagalkan rencana anggaran sebagian besar orang.
Hal ini di karenakan, banyak orang yang menyisihkan uang untuk kebutuhan dan hal yang menjadi prioritas selama hidup.
Tetapi, banyak juga yang tidak memperhitungkan biaya lainnya yang sebenarnya essensial dalam hidup.
3. Belajar Menerima “Pukulan”
Setelah mengikuti aturan pertama dan kedua, aturan ketiga mengajarkan untuk membuat penyesuaian berdasarkan perubahan yang mungkin terjadi dalam hidup.
Atau dapat juga di sebut sebagai anggaran fleksibel, yaitu anggaran yang berubah mengikuti perubahan prioritas hidup kita.
Adanya anggaran fleksibel, menunjukkan bahwa transisi hidup Kamu juga tercermin dalam rancangan anggaran keuangan kalian.
“Pukulan” yang di maksudkan Jesse dalam aturan ketiga bertujuan untuk memberitahu kita agar jujur pada diri sendiri tentang apa yang benar-benar penting.
Jesse mencontohkan pukulan dengan kondisi saat tiba-tiba pintu garasi rumah Kamu rusak.
Mungkin, sehari sebelumnya, itu bukan prioritas dalam rencana penganggaran, tetapi saat rusak bisa jadi berubah menjadi pengeluaran penting untuk saat ini.
4. Kembangkan Uang Anda
Ketiga aturan sebelumnya, mengajarkan untuk kita yang mengendalikan uang, bukan sebaliknya untuk dapat menghasilkan surplus uang tunai.
Aturan keempat mengajarkan tentang gagasan bahwa uang memiliki “usia”.
“Umur yang di dasarkan pada perbedaan waktu antara saat Anda mendapatkan uang dan saat Anda membelanjakannya.”
Misalnya, jika uang yang di belanjakan pada hari Selasa di simpan pada hari Senin, maka uang berumur satu hari.
Dengan gagasan ini, Jesse mengajarkan untuk membangun stok uang tunai sehingga Kamu dapat memiliki cukup uang untuk menutupi pengeluaran dalam waktu yang sangat lama.
Tujuannya adalah membuat uang berusia “setua” mungkin saat kita membelanjakannya.
Jesse menyarankan untuk menargetkan usia uang selama tiga puluh hingga enam puluh hari, tetapi mengingatkan kita bahwa lima hari lebih baik dari satu — dan satu lebih baik daripada nol.
Semakin lama kita menyimpan uang, semakin baik menurut Jesse.
Nah, setelah menyimak 4 aturan metode penganggaran dari Jesse, sharing di kolom komentar ya, apa pendapat OneBestie tentang aturan ini?
Yuk kita belajar terapin ke kehidupan kita sehari-hari agar penganggaran kita dapat membantu secara maksimal mencapai goals finansial kita!
Sumber:
https://id.money-h.com/the-four-rules-of-budgeting-with-jesse-mecham-of-ynab-3485
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