Dear freelancer, tiap bulan rasanya perasaanmu selalu naik turun seperti naik roller- coaster. Perasaanmu dibuat tidak menentu akibat jumlah “pemasukan” yang didapatkan tiap bulannya. Ada cara ini buat freelancer mengatur keuangan.
Terkadang para freelancer bisa memiliki pemasukan lebih. Tapi ada juga dalam suatu waktu, pemasukan yang diterima freelancer apalagi tidak dapat menutupi kebutuhan bulanan. Untuk kamu seorang freelancer, simak cara mengendalikan keuangan di masa susah di bawah ini.
#1 Atur agar pengeluaran bulanan tidak lebih dari pemasukan
Cara pertama dalam mengendalikan keuangan buat para freelancer adalah menyesuaikan pemasukan dengan pengeluaran bulanan. Kamu dapat mengusahakan untuk membuat pengeluaran bulananmu tidak lebih besar daripada pemasukan yang kamu peroleh.
Sebagian besar orang secara tidak sadar memiliki kebiasaaan memakai banyak uang untuk pengeluaran bulanan saat pemasukan sedang rendah. Hal ini harus kamu waspadai agar kamu tidak kehabisan uang ketika tidak ada projek.
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#2 Freelancer Mengatur Keuangan Dengan Mencari sumber pemasukan lain
Bila dalam 1 bulan tersebut permintaan hanya ada sedikit projek yang kamu kerjakan, kamu bisa memikirkan ide untuk mendapatkan sumber pemasukan lain. Kamu bisa memulai berbagai usaha seperti membuka bisnis sampingan sesuai keahlian lain yang kamu miliki, return investasi, ataupun pemasukan pasif yang lain.
Baca Juga: Sesimpel Ini Memperbaiki Finansial Lewat Berpikir Kreatif
#3 Freelancer Mengatur Keuangan Dengan Selalu ingat menyiapkan dana darurat
Metode mengendalikan keuangan di masa susah yang terakhir merupakan siapkan dana darurat. Akan lebih baik jika secepat mungkin kamu mulai mengumpulkan dana darurat. Sebab hal ini penting dan sangat membantu kamu ketika nantinya kamu dihadapkan pada keadaan-keadaan darurat.
Bila berada dalam kondisi darurat, di mana pemasukan lagi menyusut, dana darurat dapat bertindak sebagai pertolongan keuangan ketika kamu mulai kehabisan uang untuk memenuhi kebutuhanmu dan keluarga.
Baca Juga: 4 Metode Lunasi Utang, “Sesimpel Ini”
Atur Keuanganmu Dengan Bijak
Bijak saat menyikapi uang yang kita miliki merupakan kunci bagi seorang freelancer ketika tidak banyak mendapatkan proyek pekerjaan. Hal ini juga berlaku untuk semua orang ketika mempunyai pendapatan dari hasil bekerja atau berwirausaha.
Sangat percuma jika kita memiliki pemasukan yang besar tetapi tidak dapat menyikapi uang dengan bijak. Oleh sebab itu, untuk dirimu, ayo mulai membenahi sikap mengelola uang yang salah.
Selain mengatur uang untuk mencukupi kebutuhanmu selama satu bulan, jangan lupa untuk menyisihkan sebagian pendapatanmu untuk menabung dan berinvestasi, ya!
Begitulah cara freelancer mengatur keuangan. 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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