Sesimpel Ini Cara Tahu Kondisi Kesehatan Finansial

Masa perkuliahan merupakan salah satu tahap dimana seseorang belajar untuk lebih mandiri dan bertanggung jawab pada diri sendiri. Berbeda dengan masa SMA dimana guru akan mengejar-ngejarmu untuk mengambil nilai dari kamu, di masa kuliah ini justru kamu yang harus mengejar-ngejar dosenmu untuk memberikanmu tambahan tugas agar nilaimu cukup dan tidak harus mengulang semester. Disini kita bakal bahas cara tahu kondisi kesehatan finansial kamu loh

Selain masalah nilai, pada masa perkuliahan kamu juga akan mulai bertanggung jawab pada pengelolaan uang secara mandiri. Tentunya hal ini bisa jadi berat apabila kamu tidak tau cara mengatur uang dengan baik. Selain itu, gaya hidup dan pertemanan juga akan mempengaruhi dirimu dalam mengelola uang. 

Jika kamu sudah melakukan pengaturan uang, apakah kamu yakin bahwa kondisi keuanganmu sudah sehat? Bisa mengatur uang bukanlah tolak ukur sehat-tidaknya keuanganmu. 

Jika kamu penasaran tentang bagaimana cara mengetahui apakah kondisi keuanganmu dalam keadaan sehat atau tidak, langsung saja lanjutkan membaca artikel ini ya!

1. Likuiditas 

Hal pertama yang bisa kamu ukur adalah dengan melihat tingkat likuiditas dana yang kamu miliki? Apa maksudnya? 

Sederhananya, poin ini ingin mengetahui seberapa mudahnya uang yang kamu miliki untuk dicairkan? Hal ini juga berhubungan dengan dana darurat yang kamu miliki. 

Keuanganmu akan dikatakan sehat apabila dana daruratnya dapat dengan mudah dicairkan kapan saja. Waktu yang diperlukan untuk mencairkan dana daruratmu adalah saat itu juga, bukan menunggu beberapa waktu atau beberapa hari agar dana tersebut bisa cair dan digunakan. 

Untuk dana darurat yang harus kamu miliki oleh seorang mahasiswa jumlah minimalnya adalah 2 – 3 kali pengeluaran setiap bulan. 

2. Pengeluaran terhadap pendapatan

Hal selanjutnya yang menjadi tolok ukur kesehatan finansialmu adalah pengeluaran terhadap pendapatan. Poin ini bukan mencerminkan bagaimana pola penggunaan uang untuk kebutuhan dan gaya hidupmu. 

Kamu bisa melakukan perhitungan dengan cara membandingkan antara total biaya pengeluaran bulananmu dengan total pendapatan bulanan. Pengeluaran bulanan yang kamu hitung seperti biaya kost, uang maka, dan lainnya) sedangkan pendapatan bulanan yang kamu masukkan ke dalam hitungan adalah uang jajan dari orang tua dan upah kerja sampingan (jika ada). 

Apabila hasilnya menunjukkan pengeluaran yang lebih besar daripada pemasukan, tandanya keuanganmu sedang tidak sehat dan kamu perlu memperbaiki hal tersebut. 

3. Utang konsumtif

Utang konsumtif merupakan pinjaman yang uangnya kamu gunakan untuk kebutuhan konsumtif, seperti tagihan kartu kredit, berbagai cicilan, dan lainnya. 

Kamu bisa melakukan perhitungan terhadap poin ini dengan cara membandingkan utang yang kamu punya dengan pendapatan yang kamu miliki. Untuk mencapai standar keuangan yang sehat, perbandingan tersebut harus menghasilkan angka 0%. Atau mudahnya, apabila perbandingan yang kamu lakukan menunjukkan rasio yang kecil, maka kondisi keuanganmu berada pada level cukup sehat sampai dengan sehat.

4. Cicilan

Hal terakhir yang bisa kamu bandingkan untuk mengetahui kesehatan finansialmu adalah dengan cara menghitung perbandingan antara total cicilan per bulan dengan total pendapatan bulanan. Hasil angka 30% yang muncul dari perbandingan di atas merupakan standar toleransi. Keuanganmu akan sehat apabila hasil perbadingan berada di bawah 30%. 

Segera Cek Kesehatan Finansialmu!

Setelah membaca 4 hal di atas tentang cara dan tolok ukur untuk mengetahui kesehatan finansial mahasiswa, selanjutnya kamu bisa coba untuk menghitung perbandingan-perbandingan di atas untuk mengetahui kondisi kesehatan finansial. 

Selamat apabila kondisinya sehat. Tapi jika tidak sehat, tandanya kamu perlu menambah pengetahuan seputar pengelolaan keuangan serta mulai membuat rencana dan anggaran kebutuhan setiap bulan.

Sumber:

https://lifepal.co.id/cek-keuangan/

https://finance.detik.com/perencanaan-keuangan/d-5847252/cara-gampang-cek-kesehatan-finansial-di-akhir-tahun-coba-nih

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