Sesimpel Ini 5 Tips Mengatur Keuangan Bagi Usia 20 Tahun

Apakah tahun ini Kamu akan memasuki usia 20 tahun? 

Banyak orang mengatakan bahwa jika seseorang memasuki usia 20 tahun, maka mereka harus sudah bisa bersikap dewasa. Tidak dapat dipungkiri bahwa di usia 20 tahun, seseorang akan mulai menentukan arah untuk kehidupannya, seperti apakah harus menikah atau meniti karisi terlebih dahulu. Di usia ini, seseorang juga akan membuat berbagai keputusan yang penting dan krusial. Salah satu hal yang sudah mulai dilakukan oleh Kamu yang beusia 20 tahun adlah mengurus keuangan pribadi.

Mengelola keuangan pribadi dapat dilakukan siapa saja selama memiliki pemasukan. Seseorang yang memasuki usia 20 tahun biasanya adalah seorang mahasiswa atau pekerja. Apapun pekerjaannya, mengatur dan membuat perencanaan keuangan adalah sebuah keharusan. 

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Berikut ini adalah 5 tips untuk mengatur keuangan untukmu yang memasuki usia 20 tahun. 

#1 Membuat budgeting pengeluaran dan catatan keuangan

Hal penting yang harus dilakukan untuk Kamu yang memasuki usia 20 tahun adalah membuat anggaran atau budgeting untuk seluruh pengeluaranmu dan jangan lupa mencatat semua arus uangmu. Seseorang yang selalu mencatat pengeluarannya akan lebih mudah menghitung pengeluaran untuk kebutuhan tiap bulan dan dapat mengalokasikan dana sisa untuk menabung atau investasi. 

#2 Hasilkan untung, bukan utang

Utang memang sesuatu yang sangat menghantui siapapun. Untuk Kamu yang berusia 20 tahun juga tidak akan terlepas dari jebakan utang. Berawal dari gaya hidup yang konsumtif, mama bukan hal yang mustahil jika Kamu akan mudah terjebak utang. Untuk menghindari berutang, Kamu sebaiknya menabung atau belanjakan uangmu sesuai dengan biaya yang sudah Kamu anggarkan. 

Daripada terjebak utang, lebih baik Kamu menghasilkan untung. Jika Kamu seorang mahasiswa, Kamu bisa mencari kerja sampingan untuk menabung dan membayar biaya praktik. Atau, jika Kamu seorang pekerja, Kamu bisa membuka usaha kecil-kecilan seperti membuka toko online. Dengan ini, usia 20 tahun Kamu akan lebih berwarna dan Kamu bisa memiliki pemasukan sampingan untuk memenuhi kebutuhan pribadi atau membantu orangtua membayar biaya sekolah adik. 

#3 Perhatikan kebiasaan berbelanja

Apakah Kamu sadar kalau kebiasaan belanja dapat mempengaruhi kondisi finansialmu. Yap! Kebiasaan belanja seseorang akan memengaruhi cara pikir mereka dalam membuat keputusan. Jika Kamu adalah seorang yang suka belanja, maka saat ini Kamu harus lihat apakah barang yang Kamu beli termasuk ke dalam kebutuhan atau hanya keinginan? Kamu harus berhenti berbelanja sejenak jika apa yang Kamu beli hanya untuk memenuhi keinginan atau nafsu saja. Sebaiknya, mulailah membuat rencana keuangan atau membuat daftar prioritas kebutuhan agar finansialmu stabil. 

Kamu juga bisa melakukan investasi leher ke atas. Apa itu? Investasi ini dimaksudkan untuk mulai menambah wawasan dan pemahaman kita seputar hal-hal yang bermanfaat, seperti pengembangan skill. Kamu bisa menggunakan uangmu untuk mengikuti beberapa kelas atau pelatihan yang dapat mmeningkatkan skill dan relasimu. Dengan ini, maka Kamu akan memiliki nilai lebih di lingkungan kuliah atau pekerjaanmu. 

#4 Mengelola dokumen uang

Kamu di anjurkan untuk menyimpan semua dokumen keuangan yang anda miliki di tempat yang terjaga keamanannya. Sebaiknya simpan dokumen berharga tersebut di satu tempat. Hal ini juga dapat membantu Kamu untuk melihat data-data keuangan yang Kamu miliki seperti polis asuransi, laporan investasi, dokumen pajak, dan lainnya. 

#5 Miliki rencana keuangan di Usia 20 Tahun

Jika Kamu ingin memiliki arus kas yang baik, maka membuat rencana keuangan adalah solusinya. Dengan membuat rencana keuangan, Kamu bisa mengatur alokasi uang secara tepat. Beberapa rencana keuangan yang bisa Kamu buat yaitu, rencana arus kas, rencana asuransi dan manajemen risiko, dan rencana tujuan keuangan masa depan. 

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Mulai Atur Keuanganmu Sekarang di Usia 20 Tahun

Menginjak usia 20 tahun, setiap orang di tuntut untuk mandiri dalam mengatur berbagai urusan atau kebutuhan pribadi. Salah satu hal yang harus Kamu urus secepat mungkin adalah mengatur keuangan pribadi. Hal ini bertujuan agar Kamu memiliki arus kas yang stabil dan menghindari kebiasaaan konsumtif yang dapat merugikan kamu kedepannya kini, sudah saatnya Kamu memulai mengatur keuangan pribadimu. 

Baca Juga: Sesimpel Ini Cara Mengatur Kebutuhan dan Pengeluaran

Semoga artikel ini bermanfaat untukmu. Sebarkan artikel ini ke anggota keluarga atau temanmu yang sudah berusia 20 tahun. 

Sumber:

https://glints.com/id/lowongan/tips-manajemen-keuangan-usia-20an/

https://www.simulasikredit.com/10-tip-keuangan-untuk-kamu-usia-20-an/

Penulis:

Kategori: Keuangan

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    Spa pedicure treatments with bath sea salts and sea salt scrub that exfoliates tough calluses. Also, a colling foot mask is applied with hot towels wrapped to work their magic. Finally, Creative Lotion will be applied for a rejuvenating massage. Lost we applied with paraffin wax and hot towel.  1. To get a well-groomed look: Let’s face it, women are attracted to men that take pride in how they look. No need to go over the top, but trimmed, clean, and buffed nails are a great attribute of any guy. .css-1ogprze@media}@media}@media}7 Failsafe Razors for a Great Shave Your buffing toolkit, below: These made-to-order peelable gel stickers are tailored to your unique nail shape and size, making sure your mani is uniquely you. With tons of designs to chose from in several different colors, it’s easy to match your ManiMe to your outfit or mood.

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