Sesimpel Ini Mengembalikan Kondisi Keuangan Setelah Liburan

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Liburan memang momen yang paling ditunggu oleh semua orang untuk melampiaskan semua rasa penat selama bekerja dan belajar. Momen ini juga menjadi sebuah kesempatan bagi Kamu untuk kumpul bareng keluarga besar sambil menikmati tempat dan suasana baru. Tetapi, Kamu harus selalu berhati-hati dalam mengatur keuangan selama dan setelah liburan. Pada akhirnya, banyak diantara Kamu yang berlibur mengorbankan seluruh isi dompet bahkan sampai berutang dengan alasan agar memiliki liburan yang menyenangkan. 

Jika hal tersebut terjadi padamu, berarti Kamu sudah mengalami kegagalan dalam mengelola uang. Berikut ini adalah 5 cara untuk memperbaiki pengelolaan keuanganmu termasuk mengelola utang pasca liburan.

#1. Kelola Keuangan Setelah Liburan Dengan Selalu Ingat Untuk Mencatat Pengeluaran

Setelah berlibur, Kamu jangan sampai lupa untuk mencatat semua pengeluaran selama liburan. Kumpulkan semua struk belanja atau kwitansi yang berasal dari pengeluaran liburan. Setelah mencatat, Kamu bisa membandingkan pengeluaran liburanmu dengan biaya liburan yang sudah Kamu anggarkan sebelumnya. Apabila pengeluaranmu lebih besar daripada budget yang telah ditentukan, maka Kamu harus dengan terpaksa menggunakan budget untuk keperluan lain. Atau, Kamu juga bisa menghemat kebutuhanmu bulan depan untuk menutupi kekurangan biaya setelah liburan. Jika setelah berhemat Kamu masih memiliki dana sisa, Kamu dianjurkan untuk menabung atau berinvestasi untuk tetap menjaga arus keuanganmu agar tetap stabil. 

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#2. Lunasi Utang Yang Digunakan Untuk Liburan

Mohon jawab dengan jujur, apakah Kamu berutang selama berlibur? Apakah Kamu dengan terpaksa meminjam uang untuk menutupi kekurangan anggaran selama liburan? 

Sebenarnya hal tersebut tidak dianjurkan karena akan mengakibatkan pengelolaan finansialmu menjadi berantakan. Tapi jika Kamu terpaksa melakukannya, segera lunasi dan selesaikan agar utang tidak menumpuk sehingga nantinya akan membebani Kamu. Pilihlah opsi pembayaran utang dengan cicilan yang sesuai dengan kemampuanmu. Usahakan jangan terlalu lama mengambil cicilan pembayaran agar Kamu tidak merugi. 

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#3. Kelola Keuangan Setelah Liburan Dengan Selesaikan Tagihan Kartu Kredit Jika Ada

Jika selama liburan Kamu menggunakan kartu kredit, usahakan untuk memanfaatkan kartu kreditmu untuk melakukan pembayaran, bukan pinjaman. Apabila pada akhirnya Kamu menggunakan kartu kreditmu untuk pinjaman uang sebagai tambahan untuk liburan, maka Kamu harus segera menyelesaikannya. Jangan sampai menumpuk tagihan kartu kredit atau menunggu tagihan di bulan berikutnya, karena secara tidak sadar utangmu akan menggunung dengan bunga yang terus berjalan. Gunakanlah kartu kreditmu untuk mendapatkan bonus penerbangan, cashback belanja, atau diskon di tempat makan. 

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#4. Kembalikan Jumlah Dana Daruratmu, Jika Kamu Menggunakannya Untuk Liburan

Kegiatan liburan memang terkadang membuatmu mengeluarkan budget lebih untuk memenuhi kebutuhan selama liburan. Jika Kamu kekuarangan uang saat berlibur, Kamu bisa menggunakan dana darurat yang Kamu simpan. Tapi, jangan lupa untuk segera mengembalikan dana darurat yang Kamu pinjam ke nominal semua. Atau Kamu juga bisa melakukan penambahan (top-up) dana daruratmu. Tidak ada salahnya menggunakan dana darurat karena kebocoran anggaran liburan, tapi menambah budget dana darurat setelah meminjamnya adalah hal yang lebih baik. Kekurangan dana darurat dapat membawa bencana bagi finansialmu. 

#5. Muncul Ide Bisnis Baru Setelah Liburan

Pengalaman yang Kamu dapatkan selama libuan tentu sangat banyak dan beragama. Berbagai ide baru pastinya muncul setelah Kamu berlibur ke tempat baru dengan suasana yang baru juga. Tidak menutup kemungkinan bagimu untuk menemukan ide bisnis baru dan ide kreatif lainnya. Kamu bisa meng-upgrade bisnis yang ada di tempat liburanmu untuk Kamu aplikasikan ke bisnis barumu. Kamu juga bisa membuka jasa titip oleh-oleh dan souvenir agar Kamu tetap memiliki keutungan selama berlibur. Atau Kamu juga bisa bertemu dengan distributor atau agen oleh-oleh tempat yang Kamu kunjungi kemudian Kamu jual kembali di berbagai e-commerce dan media sosial.

Usahakan Keuanganmu Tetap Stabil Pasca Liburan

Sebuah perjalanan liburan sejatinya mendatangkan berbagai suasana dan perasaaan baru untuk menjalani harimu kedepannya. Banyak cerita dan pengalaman selama liburan yang membuatmu senang dan terdorong untuk melakukan liburan lagi. Jika Kamu sangat suka berlibur, jangan lupa untuk selalu menjaga keuanganmu agar tetap stabil bahkan setelah perjalanan yang Kamu lakukan. 

Semoga artikel ini bisa membantu Kamu dalam mengatur dan mengembalikan kondisi finansialmu agar kembali sehat, agar Kamu tidak merasa kewalahan mengalokasikan pendapatanmu. Agar semakin jago mengelola keuangan setelah liburan.

Sumber:

https://money.kompas.com/read/2022/10/29/110000926/menuju-musim-liburan-simak-4-tips-kelola-keuangan-pasca-traveling?page=all

Penulis:

Kategori: Keuangan

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