Usia 20an merupakan usia yang penuh tantangan dan rintangan. Bagaimana tidak? hari demi hari yang diisi dengan mencoba-coba hal yang baru dan mengalami banyak jenis kesalahan. Namun, bukan berarti kita secara terang-terangan melakukan kesalahan tanpa mengantisipasi kesalahan tersebut dengan belajar dari pengalaman-pengalaman orang. Yapp, salah satu hal tersebut adalah dengan menghindari kesalahan dalam pengelolaan keuangan. Dengan mempelajari hal ini lebih dahulu, maka kamu dapat merencanakan keuangan masa depan dan memperoleh kebebasan finansial lebih cepat dibandingkan lainnya. Lalu apa saja sih kesalahan dalam mengelola keuangan saat usia 20an? Yuk kita simak penjelasan berikut ini!
1. Pengeluaran >>> Pemasukan
Kesalahan pertama adalah ketika pengeluaran kita lebih banyak daripada pemasukan, harus diingat meskipun saat ini social lifestyle sudah sangat tinggi. Jangan lupa untuk selalu mengatur anggaran keuangan kalian. Jika kamu sudah bekerja selalu sisihkan uang untuk tabungan dan dana darurat, jika kamu belum bekerja jangan lupa untuk berhemat.
2. Tidak mencatat Pengeluaran
Mencatat pengeluaran akan membantumu mengetahui sebenarnya dimana uang kamu habis. Selain itu, hal ini juga akan membantu kamu dalam menyesuaikan pos-pos mana yang dapat dilakukan penghematan dan tidak.
3. Tidak memiliki Tujuan Keuangan
Tujuan keuangan merupakan hal yang harus disiapkan sejak dini. Salah satu contoh tujuan keuangan adalah mempunyai usaha tertentu, rumah, dan hal lainnya. Ketika kamu tidak memiliki tujuan keuangan, umumnya kamu akan sembarangan dalam mengeluarkan uang dan menjadi orang yang boros.
4. Tidak memiliki Dana Darurat
Kesalahan lain yang sering di lakukan orang-orang yang berusia 20an adalah tidak memiliki dan menyiapkan dana darurat. Hal ini selalu di sepelekan karena menganggap masih muda dan masih bisa bekerja sehingga tidak menyisihkan pendapatan setiap bulan untuk alokasi dana darurat. Padahal, dana darurat ini dapat di gunakan untuk tujuan tujuan yang mendesak dan tidak terduga, seperti sakit, kecelakaan, atau terjadi PHK secara mendadak.
5. Membuang waktu
Ketika masih muda banyak yang menganggap waktu yang di punya masih sangat panjang sehingga membuat sering menghabiskan waktu untuk bersenang-senang dan berfoya-foya. Padahal di saat memiliki waktu luang, kita bisa saja mencari pekerjaan sampingan untuk penghasilan tambahan atau bisa meningkatkan skill dan pengetahuan agar menjadi bekal di kemudian hari.
6. Berutang untuk membeli barang yang mewah
Gengsi sering di gunakan untuk menjadi alasan dalam membeli barang-barang branded dan mewah, banyak anak muda yang termakan oleh kehidupan sosial yang melebihi kapasitas keuangan mereka. Oleh karena itu, jangan sampai berutang untuk mengikuti lifestyle atau tongkrongan kamu. Tetap berpenampilan dan berperilaku sesuai dengan kapasitas keuangan kamu agar kamu tidak menyesal di kemudian hari.
7. Berkeluarga tanpa pengelolaan keuangan
Tren nikah muda di usia 20an sudah menjadi tren di kalangan milenial. Hal ini tentunya akan ada dampak positif dan negatif. Namun, banyak juga yang menjadi masalah ketika menikah dan memulai keluarga tanpa perencanaan keuangan yang matang. Hal inilah yang akan menjadi keretakan dan permasalah dalam berumah tangga nantinya. Oleh karena itu, jangan lupa untuk merencanakan keuanganmu dulu yaa sebelum berumah tangga!
Nah sekarang kamu sudah tau kan 7 kesalahan dalam mengelola keuangan terutama di usia 20an, Yuk kita selalu belajar dari kesalahan kesalahan orang lain agar ketika kita mengalami masalah tersebut kita sudah mengerti solusi dari permasalahan tersebut.
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!
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