Sesimpel Ini Cara Mengatur Kebutuhan dan Pengeluaran

Pertanyaan simple untukmu yang sudah bekerja. Berapa banyak pengeluaranmu setiap bulan? Apakah lebih besar, sebanding, atau lebih kecil daripada pemasukan? Gini cara mengatur kebutuhan dan pengeluaran.

Kalau jawabanmu lebih besar daripada pemasukan, tandanya kamu perlu melakukan reset pengelolaan uangmu agar kamu memiliki dana lebih untuk ditabung atau dialokasikan ke investasi. Berikut ini adalah beberapa cara untuk mengatur pengeluaran bulananmu.

Cara #1: Gunakan Skala Prioritas Untuk Menentukan Kebutuhanmu

Sebagian besar orang akan berbelanja kebutuhan bulanannya setelah menerima gaji. Ketika kamu sedang berbelanja kebutuhan di supermarket, pasti kamu menemukan banyak penawaran produk-produk terbaru baik dalam bentuk diskon atau cashback. Tidak jarang produk yang ditawarkan tidak termasuk ke dalam daftar kebutuhanmu. Anehnya, justru kamu seringkali membeli produk tersebut karena berbagai alasan, entah karena sedang diskon, tren, lucu, menarik, dan lainnya. 

Ketika kamu mulai membeli hal-hal tersebut, hati-hati! Tandanya gaya hidupmu kurang sehat dan cenderung konsumtif. 

Segera ubah gaya hidupmu dengan mulai membuat daftar prioritas kebutuhan untuk mengontrol nafsu dan keuanganmu. Janganlah kamu membeli barang di luar daftar prioritasmu, agar uang yang sudah kamu alokasikan tidak akan berkurang. Jika kamu masih binung apakah kamu termasuk kategori konsumtif atau tidak, kamu bisa melihat cashflow harian. Apakah sudah sesuai dengan daftar prioritas harian atau tidak. 

Cara #2: Mengurus Cashflow Pengeluaran

Ada bebeapa hal yang harus kamu perhatikan saat mengurus cashflow

Urgensi Cashflow

Mengurus cashflow memang menjadi hal yang baik, jika kamu salah mengurusnya hal ini akan menjadi bumerang! 

Jika kamu ingin mengurus cashflow dengan benar, hal pertama yang kamu harus lakukan adalah memiliki niat untuk konsisten mengurus cashflow. Dan jangan lupa tanamkan pada dirimu bahwa dengan mengurus cashflow maka keuanganmu akan sehat. 

Hitunglah Pemasukanmu

Selanjutnya, kamu bisa menghitung pemasukan yang kamu dapat. Jika kamu ingin menghitung pengeluaran harian, maka kamu bisa membagi jumlah gaji dengan banyaknya hari dalam 1 bulan. 

Kamu dapat menghitung apakah pemasukanmu cukup untuk biaya sehari-hari yang kamu perlukan. Caranya adalah dengan mengurangi jumlah pemasukanmu dengan pengeluaran harian yang bersifat rutin, seperti makan, ongkos transportasi, dan lainnya. Apabila ada sisa dari pemasukan setelah dikurangi biaya pengeluaran, sebaiknya sisa uang tersebut kamu tabung atau alokasikan untuk berinvestasi. 

Menabung

Daripada pergi keluar rumah untuk makan di cafe, nongkrong di tempat hits, atau kegiatan menghambur-hamburkan uang lainnya, lebih baik kamu menabung untuk hal-hal yang bermanfaat. 

Sesekali kamu boleh untuk sedikit boros, tetapi ingat jangan sampai kamu terlena. 

Jika kamu malas untuk menabung menggunakan uang sisa pemasukan harian, kamu boleh kok menyisihkan terlebih dahulu sejumlah uang yang ingin kamu tabung. 

Meskipun menabung terasa sangat berat di awal, tapi hasil yang akan kamu dapatkan akan membuatmu semangat menabung. 

Sesuaikan Pengeluaran Dengan Pemasukan

Mengatur keuangan memang bukan hal yang mudah, apalagi jika kamu tidak membuat daftar kebutuhan dan pengeluaran. Melalui informasi diatas, segera lah membuat daftar prioriitas dan mengatur cashflow agar kamu bisa melakukan kontrol terhadap nafsu dan keuanganmu. 

Semoga artikel ini dapat membantu kamu keluar dari gaya hidup yang konsumtif dan membuatmu lebih produktif. 

Sumber:

https://info.populix.co/articles/cara-mengatur-keuangan/

https://www.bareksa.com/berita/belajar-investasi/2022-06-17/agar-tak-boros-ini-cara-atur-keuangan-dengan-metode-50-30-20

https://www.cermati.com/artikel/cara-mengatur-keuangan

Penulis:

Kategori: Keuangan

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