Kamu masuk ke golongan para millenial? Ini saatnya kamu tahu fakta finansial penting ini. Fakta ini dirangkum dari buku “Broke Millennial: Stop Scraping by and Get Your Financial Life Together” yang ditulis oleh Erin Lowry. Penasaran? Lanjutt.
Baca Juga: Tahapan Kebebasan Finansial, Sesimpel Ini Ternyata
Fakta Finansial Penting Pertama, Konsep tentang Laba dan Keuntungan Bersih
Kamu perlu tahu ini untuk paham fakta finansial penting. Ketika sedang menjual donat dengan sedikit mark up keuntungan, dan kamu menghasilkan 30 dolar. Uang itu bukanlah keuntungan. Tapi sejumlah 16 dolarlah keuntunganmu karena terdapat pengeluaran lain seperti modal.
Tiga Tipe Orang Dalam Mengelola Keuangan Pribadi
Pikiran yang kamu bangun tentang masa depan mempengaruhi hubungan kamu terhadap uang. Buku ini menjelaskan 3 tipe orang dalam pengelolaan keuangan yaitu:
- Tidak menyisihkan uang bahkan belum tahu pemikiran tentang masa depan. Sekarang hidup di masa sekarang, makannya pengeluaran menjadi sembrono.
- Menyadari kebiasaan belanja kurang baik, lebih fokus pada saat ini dan berharap masa depan lebih cerah.
- Orang yang terlalu hati-hati dengan dananya untuk kebaikan diri sendiri. Lebih memilih menabung daripada pengalaman walaupun itu tergolong aman.
Pentingnya Dana Darurat dan Cara Menggunakannya
Pentingnya formula untuk menghitung jumlah dana darurat. Ada kaitannya juga dengan rasio utang terhadap pendapatan dalam rangka membentuk pengelolaan keuangan yang lebih baik. Terakhir, dana darurat tidak boleh disentuh kecuali itu secara sah memenuhi syarat keadaan darurat
Gaya Alokasi Penyimpanan Uang
Menabunglah sejak dini, gimana caranya? Ada beberapa gaya alokasi yang bisa kamu lakukan yaitu: Diet uang tunai, sistem pelacakan setiap penny, system amplop, system amplop tradisional, dan system amplop digital. Bijak-bijaklah dalam memilih.
Manfaatkanlah Teknologi Masa Kini, Keluarlah Dari Hanya Mengikuti Kata Orang Tuamu
Jangan hanya berpegang pada apa yang kamu ketahui, atau melakukan apa yang dilakukan orang tuamu. Eksplorasilah terutama terkait produk keuangan, nilai apakah itu cocok dan dasar apa saja yang perlu ditekankan. Apalagi para millennial yang hidup di era serba online. Manfaatkanlah teknologi!
Faktor Yang Mempengaruhi Skor Kredit
Skor kredit dan laporan kredit dijadikan indikator akuntabilitas atau tingkat tanggung jawab kamu. Skor kredit ditentukan oleh FICO dasar, mulai dari 300 sampai 850. Semakin tinggi angkanya maka semakin rendah risiko seseorang dan sebaliknya. Apapun di atas 640 is oke, tapi idealnya ada di angka 700+. Ada 5 faktor yang mempengaruhinya yaitu:
- Riwayat pembayaran
- Jumlah yang terutang
- Panjang sejarah kredit
- Campuran kredit jalur yang disimpan (pinjaman, kartu, hipotek)
- Kredit baru
Fakta Finansial Penting Lainnya, Bijak dan Pahamilah Aturan Main Kartu Kredit
Penting buat kamu untuk tidak melebih-lebihkan kemampuan kamu. Apa pun yang kamu beli harus kamu bayar segera setelah tagihan datang. Perlu kamu ketahui, kalau kamu membawa saldo dari bulan ke bulan maka itu sangat menguntungkan bagi perusahaan kartu kredit karena beban bunga yang berlipat tapi menyusahkan kamu. Pahamilah aturan main itu, buatlah strategi!
Tiga Strategi Bebas Consumer Debt
Sebenarnya secara statistic banyak loh orang yang terjerat hutang kartu kredit, bukan hanya millenial tapi juga orang senior lainnya. Ini strateginya:
- Debt avalanche: pembayaran terbesar ke kartu yang punya tingkat bunga tertinggi, mungkin akan butuh waktu tapi akhirnya akan keluar dari hutang dengan bunga lebih sedikit dari debt snowball.
Debt snowball: Debt snowball sebaliknya dari debt avalanche yaitu melunasi kartu dengan saldo terkecil lalu ke yang terbesar.
- Balance transfer: Memindahkan hutang dari satu akun ke akun lainnya untuk menghemat biaya bunga bulanan
- Personal loan: Seperti tutupan lubang gali lubang dengan berhutang dengan jaminan.
Tips Mengelola Pinjaman Mahasiswa
Cobalah membayar hutang pinjaman mahasiswa Ketika masih sekolah. Ini membantu kamu sendiri di masa depan walaupun hanya sedikit. Jika ingin mengetahui informasi pinjaman ada 2 cara yaitu:
- Pinjaman dari pemerintah federal, buka situs web untuk meninjau data pinjaman
- Pinjaman dari swasta, dengan cara menarik laporan kredit.
Baca Juga: Kuadran BCG, Apa Itu? Sesimpel Ini Ternyata!
Fakta Finansial Penting Terakhir, Menabunglah Maka Kebiasaaan Kontrol Keuangan Akan Terbentuk
Khususnya kalua kamu terjerat hutang kredit, maka coba atur ulanglah seluruh anggaran dan sisihkanlah uang untuk mengatasi hutan dan dana darurat. Ketika kamu sudah dapat gaji, sisihkanlah terlebih dahulu untuk tabungan. Daripada menambah hutang kartu kredit Ketika keadaan darurat.
Sudah siap para millennial untuk mengelola keuanganmu? Sudah paham tentang fakta finansial penting? Ikuti terus artikel ini. Ingat! Langsung praktikkan yah.
Jangan lupa Give Applause, Komentar kalau masih ada yang bingung, dan Share ke teman terdekatmu. Follow juga IG @davidwijaya23 untuk informasi seputar keuangan, kesehatan, dan buku yaaa!
Referensi:
https://www.prosper.com/blog/balance-transfer-vs-personal-loan/
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