Sesimpel Ini Formula Mengatur Pendapatan 40 30 20 10

Pernah nggak sih sobat merasakan baru gajian nih tapi uangnya sudah habis entah kemana tanpa ada sisa yang bisa diinvestasikan ataupun menyimpan dana darurat. Nah pasti kita bakal pusing jika hal ini terus terjadi setiap bulan. Oleh karena itu sangat penting untuk memahami cara mengatur keuangan agar tidak merasakan masalah tersebut. Salah satunya adalah dengan formula mengatur pendapatan 40 – 30 – 20 – 10. Yuk kita simak bersama!

Formula Mengatur Pendapatan 40% untuk Pengeluaran Rutin Tiap Bulan

Ayuk kita asumsikan jika sobat memiliki pendapatan sebesar 3 juta per bulan, maka sobat harus mengalokasikan sebesar 1,2 juta per bulan untuk pengeluaran rutin dan kebutuhan yang wajib untuk dipenuhi seperti biaya makan, transportasi, kebutuhan primer di rumah (sabun, shampoo, dll).

Usahakan pengeluaran kebutuhan rutin tiap bulan yang bersifat wajib dan pokok dapat dicakup agar tidak perlu mengambil dari alokasi yang lain sehingga proporsi tiap anggaran tetap seimbang dan terjaga.

30% untuk Cicilan dan Tagihan

Mari kita lanjut dari pendapatan diatas, dengan mengalokasikan 30% dari 3 juta. Maka sobat memiliki anggaran 900 ribu untuk membayar cicilan, tagihan, dan hutang lainnya. Sebenarnya jika sobat memiliki hutang dan cicilan untuk membeli aset produktif itu tidak buruk loh! jadi pergunakanlah semaksimal mungkin cicilan dan hutang selagi tidak bersifat konsumtif.

20% untuk Tabungan dan Simpanan

Selanjutnya alokasikanlah 20% dari 3 juta yang berarti berkisar 600 ribu untuk kamu tabung dan simpan. Sebagai investasi di beberapa instrumen yang sobat sudah pelajari lebih detail. Jangan lupa jika mencukupi sobat juga perlu dana untuk asuransi. Agar sobat selalu bersiap dari segala macam resiko yang terjadi di masa depan.

10% untuk Bersedekah dan Dana Darurat

Sedekah merupakan salah satu hal yang penting juga loh sobat. Dengan memberikan sebagian dari pendapatan kita untuk orang tua, sedekah, beramal ataupun hal lain. Maka secara tidak langsung rezeki yang lebih akan datang sembari dengan usaha kita. Namun, angka 10% ini bukan angka yang wajib untuk dipenuhi. Tetap kondisikanlah kembali dengan keadaan finansial sobat. Jika pos alokasi di atas ada yang kurang sobat bisa mencover dari pos 10% ini juga. Tetapi pastikanlah tetap bersedekah yaa berapapun itu!

Nah sekarang sobat sudah tau kan formula 40 – 30 – 20 – 10. Untuk alokasi anggaran pendapatan sobat agar manajemen keuangan sobat tetap berjalan baik dan sehat. Sobat juga bisa menyiasati dengan part time dengan menambah skil-skil untuk freelance. 

Selain itu, formula ini juga bersifat universal dan bisa kamu terapkan pada rentang gaji berapapun loh! tinggal menyesuaikan pendapatan yang sobat punya!

Sumber : 

https://www.djkn.kemenkeu.go.id/kpknl-metro/baca-artikel/13811/Tips-Alokasi-Penghasilan-Bulanan.html

Cara Mengatur Gaji dengan Rumus 4 3 2 1 (hipwee.com)

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