Sesimpel Ini Manfaat Memiliki Dana Darurat

Mengatur keuangan bukan hal baru tetapi tidak banyak dilakukan oleh orang-orang. Kurangnya pemahaman tentang manajemen finansial yang baik menjadi salah satu penghalangnya. Padahal, pengetahuan seputar keuangan itu penting dipelajari oleh semua orang. Salah satu poin penting dalam ilmu mengelola keuangan adalah memiliki dana darurat.

Memangnya dana darurat itu apa sih

Sederhananya, dana darurat merupakan sejumlah uang yang kamu simpan untuk digunakan pada saat darurat. Jadi alsan mengapa dana darurat penting untukmu adalah sebagai bantuan finansial apabila kamu sedang berada di kondisi yang tidak cukup baik. 

Permasalahan dana darurat tidak berhenti di mereka yang tidak mengerti pengelolaan uang, tetapi untuk mereka yang sudah mengelola uang sekalipun masih tidak bisa menghitung berapa besar dana darurat yang harus disimpan. 

Umumnya untuk dana darurat, minimal kamu harus keep uang yang biasa kamu keluarkan untuk kebutuhan selama 3 bulan. 

Jika kamu baru mengetahui tentang apa itu dana darurat dan berniat untuk mengumpulkan dana darurat, maka kalian bisa lanjutkan membaca artikel ini sampai habis. Kamu bisa mengetahui manfaat apa saja yang bisa kamu dapatkan dari memiliki dana darurat. 

Baca Juga: Sesimpel Ini 3 Alasan Cash Flow Bikin Keuangan Stabil

1. Terhindar dari utang setelah memiliki dana darurat

Manfaat pertama yang bisa kamu rasakan apabila memiliki dana darurat adalah terhindar bahkan bebas dari utang. 

Yap! Kamu bisa mengumpulkan dana darurat, sehingga kamu akan terbebas dari hutang. 

Pada saat darurat nanti, kamu tidak perlu bingung kekurang uang karena kamu bisa menggunakan uang di dana darurat untuk membantumu. Jadi, kamu tidak perlu berutang saat kondisi finansialmu sedang tidak baik. 

2. Mengurangi pengeluaran bulanan

Manfaat berikutnya yang bisa kamu rasakan adalah pengeluaran bulananmu yang dapat berkurang karena adanya dana darurat. Dalam keadaan tertentu, dana darurat bisa kamu gunakan untuk membantumu memenuhi kebutuhan untuk bertahan hidup. 

Tapi ingat! Hal ini hanya boleh kamu lakukan pada saat keadaan darurat saja. Apabila tidak dalam keadaan darurat, maka usahakan sebisa mungkin untuk tidak menyentuh dana darurat yang kamu miliki. 

3. Ketenangan finansial

Manfaat terakhir dari adanya dana darurat adalah kamu akan tenang secara finansial. Dengan memiliki dana darurat, kamu tidak perlu meraskan kondisi keuangan tidak stabil yang mengakibatkan masalah keuangan. 

Jika kamu dalam kesulitan seperti kehilangan pekerjaan, dana daurat akan meberikanmu ketenangan finansial berupa uang yang bisa digunakan untuk memenuhi kebutuhan hidup beberapa blan kedepan sementara kamu mencari pekerjaan lagi. Tentu hal ini akan membuatmu tenang meskipun dalam keadaan jatuh bukan?

Ayo Kumpulkan Dana Darurat!

 Karena dana darurat sifatnya penting, maka sebisa mungkin kamu harus mengumpulkan dana darurat. Tidak perlu terburu-buru dalam mengumpulkan uangnya, yang terpenting adalah disiplin dan konsisten dalam mengumpulkannya. 

Untuk mengumpulkan dana darurat, kamu bisa memulai menabung dengan jumlah yang sedikit. Di tahap berikutnya kamu bisa memperbanyak jumlah pengumpulan uangnya dan pada akhirnya selalu menyisihkan uang untuk dana darurat secara rutin. Jangan lupa untuk memisakan tabungan dana daruratmu agar tidak tercampur dengan dana lain. 

Semoga berhasil! 



Kategori: Keuangan

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