Sesimpel Ini Kiat-Kiat Mengelola Keuangan Ala Erin Lowry

Penting banget loh mengelola keuangan. Buat kamu yang masih bingung, terutama buat anak muda. Nih Erin Lowry membagikan tipsnya. Tips ini dia utarakan di buku “Broke Millennial: Stop Scraping by and Get Your Financial Life Together”. Penasaran? Yuk kita simak isi rangkumannya. 

Siapa Erin Lowry?

Erin Lowry adalah penasihat keuangan pribadi yang juga milenial, penulis, dan pembicara. Erin adalah otak dari suksesnya blog keuangan pribadi yaitu Broke Millennial. 

Pola Pikir Penting Tentang Cara Kamu Menghabiskan Uang

Kalau kamu ada di circle yang hedon, kamu perlu bijak dalam menghabiskan uangmu. Diantara pilihan dianggap orang pelit atau pengeluaran yang membengkak maka disarankan untuk memilih pilihan pertama. Ini juga sebagai uji persahabatanmu. Uang berfungsi sebagai alat untuk mendapat apa yang kamu inginkan, jadi jangan biarkan temanmu menghabiskan uangmu untuk kamu. 

Baca Juga: Rumus Bebas Hutang Ala Dave Ramsey

Pasangan, Mitra Dalam Mengelola Keuangan Bersama

Semakin serius hubungan kamu, maka ini saatnya. Saatnya kamu lebih terbuka tentang jumlah hutang yang masing-masing punya. Karena nanti hutang tersebut akan jadi masalah bersama. Sekaligus ini untuk membangun kepercayaan kalian. Ingat! Tidak boleh ada penghakiman ya biar nggak memperburuk situasi. 

Menuju Dewasa, Bagaimana Orangtua Mendidikmu Tentang Keuangan

Kamu sudah lulus? Mungkin orang tuamu akan menagih biaya sewa atas keberadaanmu di rumah sekarang. Atau jika orang tuamu tidak begitu, kamu tetap sebaiknya mempersiapkan diri untuk pindah sampai kondisi keuanganmu lebih baik. Bukan Apa-apa, ini sebagai sarana belajar untuk mengatur anggaran dan mengelola uangmu. 

Selain itu kalau kamu di rumah, maka kamu harus tunduk pada hukum menurut orangtuamu. Kamu terbiasa berjuang sendiri di universitas dan buat keputusan berpikir atas dirimu sendiri. Tapi ketika burung sudah kembali ke sarang, maka semua itu berubah. Perlu ada periode penyesuaian

Mengelola Keuangan Dengan Belajar Menegosiasikan Gajimu

Pertama, ketahuilah dulu apa yang paling kamu tidak bersedia terima untuk dibayar, tapi jangan kasih tahu siapa-siapa ya. Ada juga tips nih buat bisa sukses nego gajimu:

  1. Buatlah katalog bukti betapa berharganya kamu di perusahaan ini
  2. Selalu minta apa yang menurut kamu pantas kamu dapatkan, jangan menunggu untuk diberikan
  3. Selalu siaplah menghadapi ancaman kalau kamu tidak berhasil menaikkan gajimu
  4. Jangan ragu!

Mengelola Keuangan Dengan Kiat Penting Dalam Berinvestasi

Jelajahilah ilmu tentang investasi! Mungkin kamu perlu perencana keuangan, atau bisa juga belajar secara gratis dari berbagai sumberdaya. Yang terpenting, investasi nggak perlu harus punya gaji 6 digit US dollar, nggak perlu harus punya banyak pengetahuan teknis. Sisihkanlah sebisa kamu!

Mengelola Keuangan Dengan Persiapkan Dana Pensiunmu Sedini Mungkin

Menabunglah sejak dini! Bantulah dirimu sendiri di masa depan dengan menciptakan dana pensiun. Caranya? Mulailah dari hal kecil, konsistensi adalah kunci. Oh ya, fyi Lowry juga bilang bahwa usia pension millennium itu diantara 72-75 dibandingkan usia 65 tahun. Wow.

Baca Juga: Persiapkan Dana Pensiun Sesimpel Ini Dengan 4% Rules

Stereotip Tentang Perencana Keuangan

Membayar perencana keuangan, bukan berarti kamu membuang uang. Uang kamu diinvestasikan dengan baik kok. Kenapa? Karena kamu bisa dibantu untuk evaluasi keuangan dan akhirnya mendapat rencana praktis. Tapi ingat! Carilah perencana keuangan yang cocok denganmu plus pastikan dia sudah bersertifikasi. 

Beli Atau Sewa Rumah? Penting Buat Mempertimbangkan Ini

  1. Pandangan Lowry menyebut kalau Milenial itu takut untuk berkomitmen pada satu lokasi untuk jangka waktu tertentu, apakah kamu juga?
  2. Pekerjaanmu menuntut kamu pindah-pindah lokasi? 
  3. Kondisi keuanganmu memungkinkan untuk kamu membeli rumah?
  4. Saat beli rumah, periksalah propertinya dengan baik! Jangan sampai kamu malah terbebani oleh pipa yang berkarat atau perbaikan ventilasi

Ampuh nggak nih strategi ala Erin Lowry buat mengelola keuangan? Yuk ikuti terus artikel ini. Ingat! Langsung praktikkan yah.  

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!

Referensi:

https://www.studypool.com/studyGuides/Broke_Millennial:_Stop_Scraping_by_and_Get_Your_Financial_Life_Together/Chapter_Summaries/Chapter%2012%20Getting%20Financially%20Naked%20with%20Your%20Partner

https://yourknowledgedigest.files.wordpress.com/2020/04/broke-millennial.pdf

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