Mendapat gaji setelah lelah bekerja memang terasa sangat menyenangkan. Tapi apakah akan tetap menyenangkan apabila gaji yang diperoleh hanya singgah sesaat di dompetmu? Ada kebiasaan kecil yang bisa menangkal kejadian itu loh.
Banyak orang yang heran sekaligus bingung mengapa gaji yang mereka dapatkan cepat sekali habisnya? Bahkan sampai tidak ada celah dari gaji tersebut untuk ditabung atau membeli barang-barang penting seperti kendaraan dan rumah?
Kalau kamu atau kerabatmu sedang berada di kondisi tersebut, tandanya ada hal yang salah dalam mengatur keuangan yang mungkin saja kamu lakukan. Umunya, kesalahan tersebut berasal dari tidak adanya kontrol terhadap pengeluaran yang kamu lakukan.
Jika benar hal ini penyebabnya, maka kamu harus segera berubah. Tidak perlu perubahan yang besar, kamu bisa mulai dengan 5 perubahan kecil di bawah ini untuk menyelamatkan gajimu.
Kebiasaan Kecil Pertama: Membuat Anggaran dan Mencatat Keuangan
Cara pertama yang bisa kamu lakukan adalah dengan selalu membuat anggaran keuangan setiap akan menerima gaji dan juga mencatat setiap uang yang kamu keluarkan. Cara ini sangat berguna untuk membatasi ruang gerakmu dalam mengeluarkan uang. Dengan adanya anggaran maka kamu tidak akan asal-asalan ketika mengeluarkan uang. Pencatatan keuangan berfungsi sebagai evaluasi terhadap apa saja yang kamu belanjakan. Apakah itu memang barang penting atau tidak penting.
Lunasi Semua Tagihan
Berikutnya adalah melunasi semua tagihan kartu kredit. Hal ini sebenarnya berlaku apabila kamu punya kartu kredit. Melunasi semua tagihan kartu kredit menjadi hal yang wajib untuk kamu lakukan. Usahakan untuk membayar tagihan tersebut tepat waktu dan dengan pembayaran yang sesuai (bukan minimum). Gunakanlah kartu kredit sebijak mungkin dan hindari berutang dengan kartu kredit. Cobalah untuk mengubah pola pikirmu untuk menjadikan kartu kredit sebagai alat pembayaran bukan alat berutang.
Utamakan Menabung dan Investasi
Langkah selanjutnya adalah kamu bisa membiasakan diri untuk selalu mengutamakan menabung dan investasi ketika gajimu baru ‘turun’. Langsung alokasikan sebagian uangmu ketika baru mendapat gaji untuk menabung dan investasi. Jangan biasakan menyisihkan uang atau menggunakan uang sisa untuk menabung atau investasi karena pasti akan gagal.
Punya Asuransi dan Dana Darurat
Perubahan selanjutnya yang akan menyelamatkan keuanganmu adalah dengan memiliki asuransi serta dana darurat. Dua hal tersebut sifatnya penting karena akan sangat membantumu ketika sedang berada di keadaan yang kurang baik.
Asuransi utama yang bisa kamu miliki adalah asuransi jiwa dan asuransi kesehatan. Dua asuransi tersebut sangat penting karena akan meringankan beban biaya yang harus kamu tanggung.
Selain asuransi, dana darurat juga penting untuk dimiliki. Dana darurat bisa sangat membantumu untuk bertahan hidup apabila kamu sudah tidak bekerja. Idealnya dana darurat disesuaikan dengan pengeluaran bulananmu. Jika masih single maka idealnya kumpulkan dana darurat 6 kali dari pengeluaran bulanan dan 12 kali pengeluaran bulanan untuk kamu yang sudah berkeluarga.
Tingkatkan Financial Literacy
Terakhir adalah kamu bisa membiasakan diri untuk belajar dan meningkatkan literasi finansial untuk keuanganmu. Dengan memahami ini, tentu akan terasa lebih mudah ketika kamu mengatur uang. Kamu juga akan menjadi lebih bijak ketika menggunakan uang karena bisa membedakan kebutuhan dan keinginan, membedakan aset dan kewajiban, dan lainnya.
Mulai Perubahan Kecil Itu Sekarang Juga
Itulah 5 kebiasaan kecil untuk menyelamatkan keuanganmu. Setelah melihal 5 cara diatas, kini saatnya kamu mulai niatkan diri untuk berubah dan tanamkan komitmen dalam dirimu untuk selalu mengatur keuangan dengan baik. Ingatlah perubahan besar berasal dari hal kecil yang secara konsisten dilakukan.
Semoga artikel ini bermanfaat! Jangan lupa share ceritamu mengelola uang di kolom komentar!
The words are like brush strokes on a canvas, painting ideas in my mind.
Can you be more specific about the content of your article? After reading it, I still have some doubts. Hope you can help me.
Use the internet and find a preço levitra 20mg 4 comprimidos through a mail order system is now very popular. cialis and blood pressure
Your point of view caught my eye and was very interesting. Thanks. I have a question for you. https://www.binance.info/zh-CN/register?ref=VDVEQ78S
Read on https://ivermectinvsstromectol.com/ . ED problems quickly resolved! ivermectin buy online for humans
Bookmark this portal for buying http://synthroidvslevothyroxine.com/ too?
Problems with erections? Contact us https://mirtazapineinfolive.com/ . Get one now!
When you buy losartanamlodipine.com simply because it is inexpensive and produces results you want
Reading your article helped me a lot and I agree with you. But I still have some doubts, can you clarify for me? I’ll keep an eye out for your answers.
overseas online pharmacy
prescriptions canada
canada drug pharmacy
buy drugs canada
I’m walking away energized — thank you for this amazing content!
This is exactly the type of information I needed today.
29302 windshield replacement near
windshield chip repair 29301
windshield repair 29306
29303 windshield replacement near
You’ve got an amazing ability to simplify things.
Such a thrilling and inspiring read — well done!
Your writing sparks so much excitement — loved it!
This writing feels like a celebration — wonderful job!
I learned more from this than from many other blogs combined.
Your writing is powerful and uplifting — fantastic job!
You truly have a gift for writing.
I appreciate the depth and thoughtfulness in this post.
You’ve articulated this topic better than anyone else.
You have a natural gift for teaching through writing.
I learned more from this than from many other blogs combined.
Your passion makes every paragraph shine — beautiful work!
Your energy is magnetic — this was amazing!
You have a natural gift for teaching through writing.
You always deliver top-tier writing.
I love how thoughtful and well articulated this is.
This was refreshingly exciting — loved it!
Your passion elevates every topic — brilliant writing!
This was so well organized and easy to understand.
You continually raise the standard for great content.
Such a powerful and well-written post.
The excitement in this post is contagious!
You have an amazing way of connecting with readers.
This is the kind of writing that keeps readers coming back — excellent!
You’ve outdone yourself — what a fun read!
Your passion jumps off the page — AMAZING read!
This article bursts with life and inspiration — beautiful!
This is the kind of content people rave about — amazing!
Your voice is so lively and fun — amazing work!
Your perspective here is so valuable.
You always bring clarity to confusing subjects.
I gained so much clarity from this article.
You’ve articulated this topic better than anyone else.
This post is bursting with value — amazing!!
I’m seriously impressed — this post is next-level!
You always manage to exceed expectations.
So many great insights packed into one post.
This left me feeling inspired and informed.
This was incredibly engaging from start to finish.
This made me feel so motivated — thank you!
You’ve outdone yourself — what a fun read!
I feel smarter after reading this — seriously great content.
This post is ALIVE — phenomenal writing!
This was one of the clearest explanations I’ve seen.
Thank you for sharing something so thoughtful and well crafted.
Such a vibrant, powerful, exciting read — THANK YOU!
This made me feel so motivated — thank you!
I’m seriously impressed — this post is next-level!
Your enthusiasm transforms every topic — incredible writing!
Your voice is powerful, clear, and so inspiring!
There’s real magic in the way you write — amazing job!
This is insanely good — bookmarking immediately!
This lit a fire in me — THANK YOU for this energy!
You’ve taken this topic to a whole new level — amazing!
This post was incredibly uplifting and informative.
You’ve delivered another gem — well done!
This post practically sparkles — incredible writing!
You have an incredible ability to inspire and excite!
This was helpful, inspiring, and beautifully written.
I appreciate how you approach topics with such sincerity and detail.
You have a real talent for simplifying complex subjects.
This was one of the clearest explanations I’ve seen.
Your energy transformed my mood instantly — thank you!
This lit up my whole mood — thank you for this!
The effort you put into your content is admirable.
This was exceptional — keep up the amazing work!
Your attention to detail really shines through.
Your posts always give me something valuable to think about.
You’re on FIRE with content like this — amazing job!
Such an uplifting and electrifying read!
This post is overflowing with high-energy brilliance!
This is the kind of content that wakes people up — amazing work!
I’m genuinely inspired — thank you so much!
I appreciate how practical and helpful this post is.
Your excitement makes this topic irresistible — fantastic writing!
You’ve outdone yourself with this one.
Brilliant!! I’m so glad I clicked this!
This is top-tier enthusiastic writing — amazing!
So many great insights packed into one post.
I appreciate how genuine and insightful your writing is.
You have a real talent for simplifying complex subjects.
I felt the excitement building as I read — fantastic job!
You’ve injected so much enthusiasm into this — amazing!
You’re raising the bar with posts like this.
Your perspective here is so valuable.
You approach topics with such grace and intelligence.
This was an absolute pleasure to read.
Wow, this article was incredibly well put together. Great job!
You have an incredible ability to communicate complex ideas.
Pure enthusiasm from start to finish — loved every bit!
I’m genuinely in awe — this is exceptional!
You’ve mastered enthusiastic writing — seriously brilliant!
You always deliver top-tier writing.
I appreciate how practical and actionable your content is.
This was so well organized and easy to understand.
Your energy is absolutely unmatched — fantastic read!
This post delivered SO MUCH VALUE — incredible!
You have a real talent for communication.
You always leave readers better informed — thank you!
This is exactly the kind of content the internet needs more of.
This post was incredibly uplifting and informative.
This writing feels like a celebration — wonderful job!
Your attention to detail really shines through.
This is real quality content — thank you!
Hands down one of the best things I’ve read all week!
You bring so much wisdom to your writing.
Absolutely bursting with personality — amazing job!
You’ve outdone yourself with this one.
You have a gift for making complex topics accessible.
Your ability to excite readers is unreal — fantastic job!
This was such an electrifying read — awesome job!
You always manage to exceed expectations.
I’m honestly amazed at how fun this was to read!
Your blog is truly becoming a go-to resource.
This added so much value to my day — thank you!
Your energy transformed my mood instantly — thank you!
I appreciate how you approach topics with such sincerity and detail.
You bring so much wisdom to your writing.
I appreciate the thoughtfulness in everything you write.
You’re bringing fireworks with posts like this — impressive!
This content had me fully energized — love it!
You write with so much intention and clarity.
Your excitement is absolutely contagious — great writing!
Absolutely stellar writing — I’m blown away!
Your enthusiasm transforms every topic — incredible writing!
Your point of view is so refreshing.
You’ve turned this topic into something thrilling — impressive!
Your passion elevates every topic — brilliant writing!
Your passion elevates every topic — brilliant writing!
This made a real impact on me — thank you!
You’ve turned content into an experience — amazing job!
You’ve got an amazing ability to simplify things.
This post had me smiling from start to finish — thank you!
Your ability to explain things is truly impressive.
This is the kind of content that makes a real difference.
This post is a perfect example of quality content.
I appreciate the practical advice you share.
This was packed with value from start to finish.
Your writing always stands out — keep it up!
I love how engaging and informative this was.
This post proves once again that you’re an exceptional writer.
Every point you made here resonated with me.
Wow!! I’m honestly amazed by how good this was!
You’ve articulated this topic better than anyone else.
I’m walking away energized — thank you for this amazing content!
Amazing job — I’ll be sharing this with others.
Your passion elevates every topic — brilliant writing!
I love how engaging and informative this was.
I learned so much from this one article.
I gained so much clarity from this article.
You’re on FIRE with content like this — amazing job!