Apakah kamu termasuk orang yang boros jika berkaitan dengan kebiasaan dan pemenuhan gaya hidup? Apakah kamu sadar akan hal ini dan sedang berusaha untuk terbebas dari gaya hidup tersebut? Jika kamu coba berkaca, ternyata kamu dapat meninggalkan kebiasaan-kebiasaan tersebut. Hal ini penting agar pengeluaran bulananmu dapat kamu kendalikan agar lebih optimal. Untuk memandu kamu keluar dari gaya hidup yang boros, berikut ini adalah pedoman meminimalisasi pengeluaran melalui kebiasaan-kebiasaan di bawah ini.
1. Mencatat semua pengeluaran harian
Untuk pengeluaran harian, apakah kamu termasuk orang yang rajin mencatat pengeluaran?
Jika kamu ingin tahu kemana saja uang yang kamu belanjakan setiap harinya, cobalah untuk mencatatnya, meskipun uang untuk membayar parkir atau membeli permen. Sekecil apapun uang yang kamu keluarkan tentu akan sangat berpengaruh pada pengeluaranmu.
Agar pengeluaranmu di bulan ini tidak membengkak, kamu bisa menggunakan catatan keuangan tersebut sebagai acuan dan evaluasi.
Jika kamu termasuk orang yang sibuk dan tidak sempat untuk mencatat secara manual, kamu bisa lho menggunakan aplikasi di ponselmu untuk membantu mencatat keuangan.
2. Jangan sering jajan
Gaya hidup suka jajan di luar ternyata akan menyulitkanmu yang ingin menghemat uang. Kamu harus mengekang keinginan untuk jajan di luar rumah jika kamu ingin menghemat uang lebih banyak. Daripada jajan di luar, lebih baik kamu coba untuk membuat bekal sendiri di rumah.
Cobalah untuk membawa snack dari rumah dan sebotol kopi dari rumah ketika kamu ingin nongkrong dengan teman-teman. Ketika berencana untuk belanja bulanan, akan lebih baik kamu makan terlebih dahulu di rumah untuk menghindari jajan atau membeli makan di luar.
3. Menggunakan uang tunai
Ternyata menurut penelitian, seseorang akan lebih boros ketika menggunakan kartu kredit daripada uang tunai. Hindari sifat boros dan serakah ketika menggunakan kartu kredit jika kamu ingin menghemat pengeluaran.
Jika ingin belanja kebutuhan atau sedang menganggarkan keuangan bulanan, kamu bisa menggunakan uang tunai. Kalau kamu memang terpaksa menggunakan kartu kredit, bijaklah dalam penggunaanya. Manfaatkan berbagai keuntungan seperti poin dan potongan harga dari kartu kredit yang kamu miliki.
4. Hidup sederhana
Memenuhi setiap kebutuhan hidup dengan wajar adalah salah satu cara hidup sederhana. Beberapa kebiasaan menguras isi kantong harus kamu kurangi seperti, jajan di kedai kopi atau nongkrong bersama teman-teman.
Kamu bisa menghemat banyak uang untuk masa depanmu dengan belajar hidup sederhana, salah satunya adalah dengan menabung atau berinvestasi emas di OneAset yang pastinya mudah, aman dan nyaman.
Periksa Anggaran Bulananmu Untuk Meminimalisasi Pengeluaran
Jika kamu sudah melakukan 4 kebiasaan untuk meminimalisasi pengeluaran diatas, kamu bisa coba untuk memeriksa anggaran belanja bulanan setelah 2 bulan melakukan kebiasaan ini lalu bandingkan dengan anggaran sebelum berhemat. Kamu pasti akan kaget ketika melihat selisihnya.
Kamu harus mengubah gaya hidup dan berusaha lebih keras lagi untuk berhemat ketika belum terlihat selisih yang cukup jauh pada anggaran bulananmu.
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מחפשים פינוק וטיפולי גוף , מסאז’
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דפי זהב מציגים רשימה של מעסים מומלצים בחיפה שיעניקו לך מסאז’ מקצועי ועיסויים רפואיים.
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