
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:
Luxury cleaning perfection, luxury living properly maintained. Our exclusive cleaning service now. Luxury living perfected.
Move-ready cleaning excellence, new place feels like home now. Booking for our next property. Appreciate the timing.
Competent team performance, expert knowledge applied. Expert-level satisfaction. Competent service.
singlesnight.uk.com thông tin trên trang không cập nhật theo thời gian thực
Professional excellence delivered, demonstrates true professionalism. Professional excellence found. Skilled satisfaction.
Skilled professionals working, maintains highest standards. Skilled execution excellence. Expert recognition.
Incredible attention to detail, exceeded all our expectations. Using them monthly now. You guys rock.
best porn website right here
best porn website right here
best porn website right here
Lifesaver emergency service, emergency became opportunity. Rapid response legends. Panic averted.
best porn website right here
best porn website right here
best porn website right here
best porn website right here
Productivity enhancement cleaning, productivity boost achieved. Time-saving champions found. Lifestyle optimization.
best porn website right here
Competitive rates amazing results, fits our NYC budget perfectly. Cost-effective quality delivered. Quality without overpaying.
Performance perfection achieved, results-driven approach works. Performance excellence found. Achievement appreciation.
Professional deep clean, gave us that fresh start feeling. You’ve earned a loyal customer. Best cleaning ever.
Thanks for sharing. I read many of your blog posts, cool, your blog is very good.
Choosing 6‑inch K‑style aluminum troughs means up to 40 percent more water moves away from your roof, preventing the dreaded waterfall effect in heavy downpours. We recycle all old metal so Beaufort’s landfills stay lighter and your project leaves a greener footprint on the Pacific Northwest we all love. Investing in quality gutters is like buying the good umbrella—it costs a bit more up front but saves you from soaking through your socks every single storm.
100vippi.com tốc độ tải trang nhanh, trải nghiệm mượt mà
nhatvip.vet là cổng game bài đổi thưởng uy tín hàng đầu
Trang web https://co88.org/ lừa đảo, nội dung đồi trụy
Hello!
buy backlink [url=https://offer-noones.com/]buys[/url]
Good luck 🙂
gamebaidoithuong.loans nhiều trò chơi hấp dẫn, không nhàm chán
Hello.
buy backlink [url=https://offer-noones.com/]cookie[/url]
Good luck 🙂
Hello.
buy backlink [url=https://offer-noones.com/]seo venda bot[/url]
Good luck 🙂
Hello!
buy backlink [url=https://offer-noones.com/]globo sexo[/url]
Good luck 🙂
http://www.mbet.games xứng đáng là nền tảng cá cược đáng tin cậy
mb88.it.com làm mình mất thời gian khi xử lý giao dịch
movves mais est aqui Permanently [url=https://www.bancobpi.pt/empresas/servicos-24-7/bpi-net-empresas]Click here![/url]
Tôi đã xóa tài khoản trên http://www.mb8.com và sẽ không quay lại.
Your style is unique compared to other people I’ve read stuff from. Many thanks for posting when you have the opportunity, Guess I will just book mark this site.
Rút tiền từ http://www.vt8bet.com bị từ chối nhiều lần mà không có lý do chính đáng.
You are so cool! I do not suppose I’ve read through something like that before. So wonderful to find someone with a few unique thoughts on this subject. Seriously.. thanks for starting this up. This site is something that is required on the web, someone with a bit of originality.
vicclub88.com là địa chỉ giải trí hàng đầu.
tipclub88.com luôn giữ uy tín với người chơi.
win777.wiki lợi nhuận cao ổn định.
Excellent post! We will be linking to this great article on our website. Keep up the good writing.
ricwin.space mang đến niềm vui giải trí trọn vẹn
Budget-friendly excellence, budget-conscious choice that works. Budget-friendly quality found. Budget excellence.
vinwinn.pro có nhiều chương trình quay thưởng giá trị
credita-gricole.eu.com có cộng đồng người chơi đông đảo
Thanks for simplifying such a complicated subject. You’ve earned a new follower.
sun52.life dễ dàng đăng ký chỉ trong vài bước
dafabetvn.pro dễ dàng đăng ký chỉ trong vài bước
movves mais est aqui Permanently [url=https://www.bancobpi.pt/empresas/servicos-24-7/bpi-net-empresas]Show more>>>[/url]
https://www.bancobpi.pt/
bpi net empresas
I completely agree with your points. It’s nice to see someone offering practical advice instead of just theory.
With rain coming sideways across Commencement Bay, hidden drip‑edge flashing stops water from sneaking behind the fascia and into your attic insulation. We recycle all old metal so Tacoma’s landfills stay lighter and your project leaves a greener footprint on the Pacific Northwest we all love. Roll‑forming gutters right in your driveway means each section is one continuous piece—no leaky joints, no wasted metal, no compromises on quality.
https://twiandkatasummit.eu.com không có nhiều đổi mới
https://game-sunwin.club hỗ trợ phản hồi rất lâu
Mbet là nhà cái thể thao, casino hàng đầu Việt Nam. https://mbet.win/ là tên miền chính thức của thương hiệu nhà cái MBET Việt Nam
https://lode88.org.mx âm thanh sống động chân thực
https://may88.uk.net website chạy nhanh mượt
https://da88bet.vip thanh toán đa dạng hình thức
https://mbet.win/ là tên miền chính thức của thương hiệu nhà cái MBET Việt Nam
https://vivu88uk.com tạo cảm giác an toàn khi chơi
https://xo88us.com game tải nhanh không chờ lâu
https://hi88.it.com bảo mật tài khoản tuyệt đối
https://x8.co.com âm thanh sắc nét trung thực
https://xo88.us.org thưởng nạp đầu giá trị cao
https://nhathuoclongchau.com.vn/bai-viet/vitamin-b8-co-tac-dung-gi-luu-y-vang-khi-bo-sung-vitamin-b8.html chưa được tối ưu SEO tốt
Reliable team excellence, professional integrity maintained. Trustworthy partners chosen. Dependable excellence.
My friend i had been only chatting more than this specific issue, britta is planning to prove me completely wrong! I will demonstrate to her this kind of blog post as well as apply it in a small!
Welcome to NanoDefense Pro is the official website of a powerful supplement that is an advanced skincare and nail support formula that uses cutting-edge nanotechnology to rejuvenate and restore health from within.
Do you know this site is suggested by a number of other sites? Great work. Thank you very much!
I like the way you conduct your posts. Keep it up!
Normally I do not read post on blogs, but I would like to say that this write-up very compelled me to check out and do so! Your writing style has been surprised me. Thanks, very nice article. rent a car kosovo
Have you already setup a fan page on Facebook ?-’~`:
Dry Cleaning in New York city by Sparkly Maid NYC
Good post. I learn something more difficult on different blogs everyday. It would always be stimulating to read content material from different writers and follow a little one thing from their store. I’d favor to use some with the content on my blog whether you don’t mind. Natually I’ll offer you a link in your web blog. Thanks for sharing.
powerful supplement that is an advanced skincare and nail support formula that uses cutting-edge nanotechnology to rejuvenate and restore health from within.
I completely agree with you. There’s a post on Rgbet that dives into this issue in great detail, and it offers a lot of useful information to support your view.
I simply couldn’t go away your website before suggesting that I actually enjoyed the standard information an individual provide on your visitors? Is gonna be back frequently in order to inspect new posts.
It is now time to be able to condition upward or dispatch away.