Sesimpel Ini 5 Faktor Yang Buat Kondisi Keuanganmu Gak Sehat

Millenieals! Tahukah kamu kalau literasi keuangan saat ini menjadi penting yang harus dikuasai seluruh orang? Ya betul. Agar kondisi keuanganmu baik, kamu perlu memahami tentang pentingnya perencanaan dan pengelolaan keuangan melalui literasi finansial. 

Jika saat ini kamu sedang memahami pentingnya literasi finansial lebih jauh, maka jangan lupa praktekkan dalam kehidupan sehari-harimu. 

Jika saat ini kamu masih kebingungan untuk mengelola keuangan, menentukan dana darurat dan belum memiliki asuransi, tandanya kamu perlu belajar literasi keuangan lebih jauh lagi dan ini juga menandakan kondisi keuanganmu yang belum sehat. 

Kalau kamu bingung asal muasal tidak sehatnya keuanganmu, simak beberapa faktor di bawah ini yang menyebabkan keuanganmu tidak sehat. 

Baca Juga: Sesimpel Ini Memulai Investasi Walau Pendapatan Kecil

#1 Kondisi Keuanganmu Gak Sehat Karena Tunggakan Cicilan dan Kewajiban

Apakah kamu pernah menunggak pembayaran atau suatu cicilan? Jika iya, tandanya keadaan keuanganmu saat ini sedang tidak sehat. 

Ingatlah bahwa cicilan adalah kewajiban dan bentuk tanggung jawab kamu atas suatu barang yang kamu beli dan itu bersifat wajib. Cobalan lihat kembali pengeluaranmu, apakah ada uang yang kamu belanjakan untuk hal yang tidak penting? Jangan sampai kamu lupa bahkan sengaja tidak menyisihkan dana untuk membayar cicilan. 

#2 Uang sudah habis dan kebutuhan belum terpenuhi

Kondisi ini pasti akan membuatmu pusing dan bingung untuk mencari jalan keluarnya. ya , jika kamu tidak memahami cara mengatur uang yang baik, maka hal inilah yang akan terjadi. Kamu tidak tahu kemana saja dan untuk apa saja uangmu pergi sedangkan kamu masih butuh uang untuk memenuhi keperluan yang lain. 

Jika kamu berada di posisi ini, maka hal pertama yang harus kamu lakukan adalah kurangi gaya hidup yang boros, mulai berhemat dan catat semua pengeluaranmu. 

#3 Tidak ada tabungan

Tahukah kamu bahwa tabungan merupakan hal penting yang wajib kamu miliki? Ya, jika memiliki tabungan setidaknya kamu memiliki dana simpanan yang bisa kamu gunakan sebagai dana darurat atau kamu bisa mencapai impianmu. Selain itu, menabung juga akan membantumu untuk berhemat dan menahan keinginanmu untuk selalu membelanjakan uang yang kamu miliki. 

Jika kamu tidak memiliki tabungan atau selalu gagal menabung, maka dapat dipastikan kondisi keuanganmu tidak sehat. Tentunya ini sangat tidak baik dan kamu bisa saja akan sangat rugi suatu saat nanti. Kalau kamu tidak ingin menghadapi kondisi tersebut, maka kamu harus menabung dan tanamkan pada dirimu bahwa menabung itu penting dan cobalah untuk berkomitmen dan konsisten dalam menabung.

#4 Boros

Berbagai kemudahan dalam berbelanja dan berbagai promo yang ada ternyata bisa membuat keuangmu tidak sehat lho. Karena hal tersebut akan membuatmu menjadi seorang ya boros.

Membeli kebutuhan bulanan dengan memanfaatkan diskon memang sedikit membantu meminimalisir pengeluaran. Tapi kamu juga harus mengontrol dirimu untuk tidak membeli apapun yang sedang diskon karena barang tersebut belum tentu penting. 

#5 Kondisi Keuanganmu Gak Sehat Karena Pengeluaran over budget

Apakah kamu suka membuat budgeting untuk keperluan bulananmu? Jika iya, tandanya kamu sudah sedikit memahami tentang cara mengelola uang yang baik.

Eits! Tapi apakah pengeluaranmu selalu tepat sesuai budget, atau masih melebihi budget? Jika masih melebihi budget, tandanya ada yang perlu kamu perbaiki nih!

Caranya, kamu bisa mengatur uang keuanganmu dan melakukan evaluasi terhadap pengeluaran bulan lalu. Dengan cara ini, kamu bisa tahu apa yang salah dari budgeting mu yang akhirnya selalu membuatmu over budget

Kembalikan Kondisi Keuanganmu Dengan Cara Ini

Jika kamu sedang terjebak pada kondisi-kondisi di atas, maka ada beberapa tips untukmu agar bisa mengembalikan keuangan yang sehat. Berikut ini adalah beberapa tips yang bisa kamu ikuti.

  • Fokuskan diri untuk melunasi cicilan dan hutang
  • Membuat rencana tuuan keuangan
  • Kontrol diri ketika berbelanja
  • Catat pengeluaran harian
  • Punya mentor keuangan profesional

Semoga dengan mengikuti tips di atas, keuanganmu bisa kembali sehat dan kamu bisa mencapai tujuan keuangan yang kamu impikan.

Sumber:

https://glints.com/id/lowongan/keuangan-tidak-sehat/

Penulis:

Kategori: Keuangan

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