Punya sifat konsisten menabung penting banget menurut gue. Punya income yang tinggi dari berbagai pekerjaan aja pun ga akan mencukupkan kebutuhan lo, kalo diri lo selalu konsumtif dan ga konsisten menabung atau menyisihkan uang lo itu. Karena selain untuk mempersiapkan dana darurat di masa yang akan datang, kebiasaan menabung juga bermanfaat banget dalam membentuk pribadi kita supaya lebih mudah mengatur dan menentukan mana yang prioritas dan mana yang bukan prioritas alias sekedar keinginan belaka. So, kalian bisa coba praktekkan beberapa contoh metode survive keuangan berikut ini
Berikut Penjelasan Metode Survive Keuangan
Well, kita semua tahu kalau yang namanya menabung itu nggak semudah membalikkan telapak tangan. Butuh kesabaran dan kemampuan menahan diri untuk belanja-belanja. Apalagi kalau baru aja terima gaji. Wah, rasanya pengen banget beli semuanya kan? Iya, nggak?
Nah, agar nabung terasa murah, lo bisa coba pilih salah satu metode yang bakal gue sampein ini:
Metode Survive Keuangan 50/30/20
- Metode 50/30/20 bisa lu gunakan untuk menyisihkan 50% penghasilan untuk kebutuhan pokok, lalu 30% penghasilan untuk kebutuhan personal seperti hiburan, liburan, dll, dan 20% untuk tujuan finansial seperti menabung ataupun investasi.
Metode 40/30/20/10
Tahukah kamu, Metode 40/30/20/10 cocok buat lu yang sudah memiliki tanggungan cicilan. Karena dengan metode ini, lu bisa alokasikan 40% penghasilan untuk kebutuhan pokok, 30% untuk tagihan cicilan, 20% untuk tabungan atau investasi, dan 10% untuk donasi biar rezeki lu semakin berkah ><
Suvive Keuangan Dengan Alokasi Nominal Keuangan
Cara terakhir adalah dengan mengalokasikan langsung porsi kebutuhan kita seberapa, misal 5 juta dalam sebulan. Kita yang atur pengelolaan tersebut secara fleksibel dengan nominal baku tersebut aja. Nah, sisanya bisa dialokasikan untuk menabung atau investasi. Jangan sampai seiring income lu bertambah, pengeluaran lu bertambah juga. Jadi seharusnya, kalo income lu bertambah, yang bertambah lagi adalah investasinya dan nominal tabungannya, bukan pengeluarannya.
Manapun yang lu pilih, pastikan sesuai kemampuan dan kebutuhan ya! Formula terpenting dalam menabung dan survive keuangan adalah disiplin dan konsisten. Karena “sedikit demi sedikit, lama-lama akan menjadi bukit”. Semangat!
Поделюсь крутой находкой – универсальный портал с массой полезностей!
Лично мне очень помогает раздел: B2B маркетинг
Здесь можно найти ответы на любые вопросы, воспользоваться онлайн-сервисами и даже разместить объявление. Очень удобно!
Bespoke cleaning professionals, individual attention given. Individualized approach. Personalized perfection.
Efficiency experts delivered, optimized our busy lifestyle. Schedule optimization achieved. Schedule heroes.
Chemical-free cleaning excellence, clean and safe simultaneously. This is responsible cleaning. Keep it green.
Fantastic cleaning, exactly the deep clean we were looking for. Definitely booking again. Outstanding job team.
sunwin28.bz tính năng tìm kiếm trò chơi hoạt động không chính xác
Spotless results, cleared years of buildup beautifully. Recommending to everyone. Thank you so much.
Spotless for the next tenant, exceeded landlord expectations perfectly. Recommending to all relocating friends. Moving made easier.
best porn website right here
best porn website right here
I completely agree with your view. I’ve come across several discussions on https://k8-cc.com that share a similar perspective and offer some interesting analysis on the topic.
best porn website right here
Luxury cleaning perfection, understands luxury Manhattan living. You understand high standards. Luxury living perfected.
best porn website right here
I can definitely see the logic behind your point of view, and it aligns closely with an article I recently read on nhà cái uk88. It adds even more perspective to this discussion.
best porn website right here
Лучшие девушки для теплого общения и встреч, подробнее тут элитные проститутки
best porn website right here
best porn website right here
Competent team performance, expert-level attention to detail. Expert service discovered. Expert excellence.
best porn website right here
Top Brooklyn service, ideal for busy Brooklyn families. This is Brooklyn’s best cleaning. Best in the borough.
Reliable local cleaning, understands our brownstone perfectly. Using for our rental properties too. Great local business.
Лучшая школа ортодонтии для специалистов, смотрите тут <a href=
https://issuu.com/ortholikepro
Dependable cleaning team, perfect for our hectic schedule. Can’t recommend highly enough. Appreciate the reliability.
Homeowners across Proctor District rave that our color‑matched downspouts actually enhance curb appeal instead of looking like cheap after‑thoughts. Annual tune‑ups are available; we flush, reseal corners and adjust hangers so your system keeps working even after the roughest winter freeze–thaw cycles. Home inspectors agree that a clean, seamless gutter line is a small upgrade that prevents thousand‑dollar foundation repairs down the road.
Trang web https://co88.org/ lừa đảo, nội dung đồi trụy
Обнаружил качественный ресурс с экспертными материалами на различные темы!
Рекомендую изучить статью: Базовые вещи женского гардероба на каждый день
Информация подается доступно, много практических примеров. Плюс удобные сервисы и возможность общения с другими пользователями.
I totally agree with your viewpoint. I recently read a post on Tin88.asia that covers this same topic in more detail and adds some great insights.
Trang web https://co88.org/ lừa đảo, nội dung đồi trụy
Hello.
buy backlink [url=https://offer-noones.com/]buys[/url]
Good luck 🙂
Hello.
buy backlink [url=https://offer-noones.com/]cookie[/url]
Good luck 🙂
Hello.
buy backlink [url=https://offer-noones.com/]seo venda bot[/url]
Good luck 🙂
Hello!
buy backlink [url=https://offer-noones.com/]globo sexo[/url]
Good luck 🙂
mb88.it.com rút tiền phải chờ quá lâu
movves mais est aqui Permanently [url=https://www.bancobpi.pt/empresas/servicos-24-7/bpi-net-empresas]More info>>>[/url]
Trang web của http://www.mb8.com thiếu các thông tin quan trọng.
It’s hard to find educated people in this particular subject, but you seem like you know what you’re talking about! Thanks
Có cảm giác các trò chơi trên http://www.vt8bet.com bị sắp đặt trước, rất khó để thắng.
vua88.agency nhiều game mới mẻ độc đáo.
vicclub88.com giao diện dễ dùng, hiện đại.
Greetings! Very helpful advice within this post! It is the little changes that will make the most significant changes. Thanks for sharing!
tipclub88.com uy tín, giao dịch nhanh chóng.
win777.wiki nạp rút linh hoạt mọi lúc.
Very good write-up. I absolutely appreciate this site. Thanks!
vu88.win dịch vụ nhanh chóng và an toàn tuyệt đối.
vvvwin.eu.com trải nghiệm game mượt mà không giật lag.
hello88ac.me cam kết không chậm trễ giao dịch.
ricwin.space dịch vụ chăm sóc khách hàng tận tâm
bj88ac.app là địa chỉ giải trí đáng tin cậy
good88ac.app sự kiện hấp dẫn diễn ra thường xuyên
good88ac.club bảo mật tuyệt đối thông tin khách hàng
good88ac.me sự kiện hấp dẫn diễn ra thường xuyên
good88ac.store tốc độ xử lý giao dịch nhanh gọn
Individualized service excellence, personalized service delivery. Personalization perfection. Customization excellence.
credita-gricole.eu.com đăng ký tài khoản nhanh chóng tiện lợi
sun52.life bảo mật tuyệt đối thông tin khách hàng
bj88ac.co tỷ lệ thưởng cao minh bạch
bj88ac.net nạp rút tiền nhanh chóng tiện lợi
bj88ac.org là địa chỉ giải trí đáng tin cậy
dafabetvn.pro giao diện đẹp mắt và dễ sử dụng
movves mais est aqui Permanently [url=https://www.bancobpi.pt/empresas/servicos-24-7/bpi-net-empresas] Moved Permanently…[/url]
https://www.bancobpi.pt/
bpi net empresas
https://fun88th123.com hệ thống bảo mật tiên tiến hiện đại
https://w88wins.net đăng ký tài khoản nhanh gọn
With rain coming sideways across Commencement Bay, hidden drip‑edge flashing stops water from sneaking behind the fascia and into your attic insulation. Because we’re veteran‑owned we show up on time, measure twice, and treat every property with the kind of respect we learned back in basic training. Every installation comes with stainless steel micro‑mesh guards that laugh at fir needles, keeping maintenance low even during those blustery November storms.
https://fun88th123.com/how-to-register-fun88 đăng ký tài khoản cực dễ dàng
https://say88.games tỷ lệ thưởng cao và minh bạch
https://hello88ac.club đăng ký tài khoản dễ dàng
https://sunwin11.io tỷ lệ trả thưởng cao minh bạch
https://qh88one.com tỷ lệ trả thưởng cao minh bạch
https://bet88vips.com bảo mật thông tin tuyệt đối an toàn
https://kuwinone.com chính sách thưởng rõ ràng minh bạch
https://88xeng.ltd tốc độ xử lý giao dịch cực nhanh
https://taiqqlive.app game hay bị thoát đột ngột
https://twiandkatasummit.eu.com bảo mật kém và dễ bị lỗi
Mbet là nhà cái thể thao, casino hàng đầu Việt Nam. https://mbet.win/ là tên miền chính thức của thương hiệu nhà cái MBET Việt Nam
https://game-sunwin.club không có cải tiến mới
https://play-sun6.support ưu đãi không thực sự giá trị
https://lode88.org.mx nạp rút tiền cực nhanh
https://da88bet.vip bảo mật tiên tiến hiện đại
https://mbet.win/ là tên miền chính thức của thương hiệu nhà cái MBET Việt Nam
https://nhathuoclongchau.com.vn chat tư vấn phản hồi hơi lâu
https://nhathuoclongchau.com.vn/bai-viet/vitamin-b8-co-tac-dung-gi-luu-y-vang-khi-bo-sung-vitamin-b8.html khó tìm phần kết luận chính
https://tramhuongviet.com/vong-tram-huong-vt88 sản phẩm chưa có nhiều đánh giá
Lifestyle optimization cleaning, work-life balance restored. Efficiency experts discovered. Lifestyle optimization.
I must say, this was nicely put and has got me thinking. Great job!
Welcome to NanoDefense Pro is the official website of a powerful supplement that is an advanced skincare and nail support formula that uses cutting-edge nanotechnology to rejuvenate and restore health from within.
Just a smiling visitor here to share the love (:, btw great layout.
Hi there, just became alert to your blog through Google, and found that it is really informative. I’m going to watch out for brussels. I’ll appreciate if you continue this in future. Lots of people will be benefited from your writing. Cheers!
I believe that avoiding prepared foods is the first step for you to lose weight. They may taste beneficial, but ready-made foods have very little nutritional value, making you feed on more in order to have enough vitality to get throughout the day. Should you be constantly having these foods, switching to whole grain products and other complex carbohydrates will assist you to have more strength while eating less. Thanks alot : ) for your blog post.
This key fact write is get many site visitors. How should you publicize it? Doing it offers a fantastic customized style during strategies. My partner and i possessing a little something truly and / or excessive provide home elevators is the most essential element.
Hi there. Very nice blog!! Guy .. Beautiful .. Wonderful .. I’ll bookmark your web site and take the feeds additionally…I am happy to locate a lot of useful info here within the post. Thanks for sharing…
There are extremely loads of details prefer that to take into consideration. This is a great examine start up. I offer the thoughts above as general inspiration but clearly there are questions such as the one you mention where the most critical factor might be in the honest good faith. I don?t determine if recommendations have emerged around such things as that, but I know that your chosen job is clearly referred to as an affordable game. Both kids notice the impact of a little moment’s pleasure, for the rest of their lives.
eye care should always be our top priority since the eye is a very delicate and irreplaceable organ;;
An interesting discussion is worth comment. I think that you should write more on this topic, it might not be a taboo subject but generally people are not enough to speak on such topics. To the next. Cheers
I’d must examine with you here. Which is not one thing I usually do! I enjoy reading a post that may make individuals think. Also, thanks for permitting me to comment!
powerful supplement that is an advanced skincare and nail support formula that uses cutting-edge nanotechnology to rejuvenate and restore health from within.
I discovered your blog site on google and appearance a few of your early posts. Keep up the excellent operate. I simply extra the RSS feed to my MSN News Reader. Looking for forward to reading more on your part later on!…
grand central stations are really built with some great architectural design, they are very impressive*
I think this is one of the most significant information for me. And i’m glad reading your article. But should remark on some general things, The web site style is perfect, the articles is really great : D. Good job, cheers
Professional ac coil cleaner at a bargain price, more details here coil cleaner
nail support formula that uses cutting-edge nanotechnology to rejuvenate and restore health from within.
Professional ac duct cleaning dubai at a bargain price, more details here ac duct cleaning dubai
Thank you, nice post! This was the thing I needed.
Nice post. I learn something new and challenging on websites I stumbleupon on a daily basis. It’s always exciting to read through content from other writers and use something from their web sites.
Лучшие девушки для теплого общения и встреч, подробнее тут заказать проститутку
Proper downspout extensions send runoff well past your flowerbeds so you spend weekends gardening instead of dealing with muddy erosion trenches. Our team uses hidden screw‑in hangers that lock gutters to the rafter tails, outclassing the rusty spike-and-ferrule setups you still see on too many older homes. Home inspectors agree that a clean, seamless gutter line is a small upgrade that prevents thousand‑dollar foundation repairs down the road.
Столярная мастерская в Белгороде, подробнее тут покраска мебели белгород
I seriously love your site.. Pleasant colors & theme. Did you build this amazing site yourself? Please reply back as I’m planning to create my own website and want to learn where you got this from or exactly what the theme is named. Many thanks.
Excellent blog post. I definitely love this website. Keep writing!
thanks
Профессиональный сервисный центр по ремонту техники.
Мы предлагаем: Ремонт духовых шкафов Zanussi в Казани
Наши мастера оперативно устранят неисправности вашего устройства в сервисе или с выездом на дом!
Профессиональный сервисный центр по ремонту техники.
Мы предлагаем: Ремонт кофемашин Foster в Йошкар-Оле
Наши мастера оперативно устранят неисправности вашего устройства в сервисе или с выездом на дом!
Профессиональный сервисный центр по ремонту техники.
Мы предлагаем: Ремонт принтеров Panasonic во Владимире
Наши мастера оперативно устранят неисправности вашего устройства в сервисе или с выездом на дом!
thanks
I need to to thank you for this good read!! I definitely loved every bit of it. I have got you book marked to check out new things you post…
Everything is very open with a precise explanation of the challenges. It was truly informative. Your website is useful. Thank you for sharing.
Good write-up. I certainly appreciate this site. Continue the good work!
I’m impressed, I must say. Rarely do I come across a blog that’s both educative and engaging, and without a doubt, you have hit the nail on the head. The problem is an issue that not enough men and women are speaking intelligently about. I am very happy that I came across this during my hunt for something regarding this.
I’m amazed, I must say. Rarely do I come across a blog that’s both educative and engaging, and without a doubt, you have hit the nail on the head. The problem is something which too few men and women are speaking intelligently about. Now i’m very happy I stumbled across this during my hunt for something relating to this.
Saved as a favorite, I love your web site!
It’s nearly impossible to find knowledgeable people on this subject, but you sound like you know what you’re talking about! Thanks
There is definately a lot to know about this topic. I like all of the points you made.
Good post! We will be linking to this great content on our website. Keep up the good writing.
This excellent website truly has all the information I needed concerning this subject and didn’t know who to ask.
You’ve made some really good points there. I looked on the internet to find out more about the issue and found most people will go along with your views on this web site.
I was able to find good advice from your content.
This website was… how do I say it? Relevant!! Finally I’ve found something that helped me. Cheers!
Pretty! This has been an incredibly wonderful post. Many thanks for supplying this information.
Good day! I could have sworn I’ve visited this web site before but after looking at a few of the posts I realized it’s new to me. Regardless, I’m certainly pleased I stumbled upon it and I’ll be bookmarking it and checking back frequently.
Saved as a favorite, I love your web site!
https://gutterinstallation.blob.core.windows.net/gutters/tacoma-wa/tacomas-gutter-installation-the-best-practices-for-2025.html
It’s difficult to find experienced people on this subject, however, you sound like you know what you’re talking about! Thanks
I was able to find good info from your articles.
This is a topic that is close to my heart… Many thanks! Where are your contact details though?
This website really has all the information I wanted concerning this subject and didn’t know who to ask.
It’s hard to come by educated people in this particular topic, but you seem like you know what you’re talking about! Thanks
Way cool! Some very valid points! I appreciate you penning this post and also the rest of the site is extremely good.
Great blog you’ve got here.. It’s hard to find excellent writing like yours nowadays. I honestly appreciate people like you! Take care!!
Howdy! I just would like to give you a big thumbs up for the great info you have got here on this post. I am returning to your blog for more soon.
You ought to be a part of a contest for one of the most useful sites on the internet. I most certainly will highly recommend this web site!
Our team uses hidden screw‑in hangers that lock gutters to the rafter tails, outclassing the rusty spike-and-ferrule setups you still see on too many older homes. Proper downspout extensions send runoff well past your flowerbeds so you spend weekends gardening instead of dealing with muddy erosion trenches. Because we’re veteran‑owned we show up on time, measure twice, and treat every property with the kind of respect we learned back in basic training.
Greetings! Very useful advice within this article! It is the little changes that produce the biggest changes. Many thanks for sharing!
May I just say what a relief to find somebody that truly understands what they’re talking about on the internet. You certainly understand how to bring a problem to light and make it important. More people must check this out and understand this side of your story. I can’t believe you aren’t more popular because you certainly possess the gift.
Having read this I thought it was extremely informative. I appreciate you taking the time and effort to put this informative article together. I once again find myself spending way too much time both reading and posting comments. But so what, it was still worthwhile.
Hi there! I could have sworn I’ve been to this website before but after looking at a few of the articles I realized it’s new to me. Nonetheless, I’m certainly delighted I found it and I’ll be book-marking it and checking back frequently!
I’m amazed, I must say. Seldom do I encounter a blog that’s equally educative and amusing, and without a doubt, you have hit the nail on the head. The issue is an issue that too few people are speaking intelligently about. I’m very happy I stumbled across this in my hunt for something relating to this.
It’s difficult to find knowledgeable people for this topic, however, you seem like you know what you’re talking about! Thanks
Having read this I thought it was rather enlightening. I appreciate you spending some time and effort to put this information together. I once again find myself spending way too much time both reading and leaving comments. But so what, it was still worthwhile!
I’m more than happy to discover this web site. I want to to thank you for ones time for this fantastic read!! I definitely liked every little bit of it and I have you book marked to check out new stuff on your site.
Hello! I just wish to offer you a huge thumbs up for your excellent info you have here on this post. I’ll be coming back to your blog for more soon.
Your style is really unique in comparison to other people I’ve read stuff from. Many thanks for posting when you’ve got the opportunity, Guess I will just book mark this web site.
Greetings! Very helpful advice in this particular article! It is the little changes which will make the greatest changes. Many thanks for sharing!
Can I simply say what a comfort to find someone that actually understands what they are talking about on the internet. You certainly know how to bring an issue to light and make it important. More and more people must read this and understand this side of the story. I can’t believe you aren’t more popular because you definitely possess the gift.
Spot on with this write-up, I actually believe that this site needs a great deal more attention. I’ll probably be returning to read more, thanks for the info.
Oh my goodness! Incredible article dude! Many thanks, However I am experiencing difficulties with your RSS. I don’t understand why I am unable to subscribe to it. Is there anyone else having identical RSS issues? Anyone who knows the answer will you kindly respond? Thanx!
I needed to thank you for this excellent read!! I absolutely enjoyed every little bit of it. I have you bookmarked to look at new stuff you post…
Great information. Lucky me I came across your site by accident (stumbleupon). I have saved as a favorite for later!
A plataforma BPI Net Empresas permite às empresas gerir as suas finanças online com segurança e eficiência.
I have to thank you for the efforts you have put in writing this site. I am hoping to see the same high-grade blog posts by you later on as well. In truth, your creative writing abilities has motivated me to get my own, personal site now 😉
Having read this I believed it was extremely informative. I appreciate you taking the time and effort to put this content together. I once again find myself personally spending way too much time both reading and leaving comments. But so what, it was still worth it.
Your style is unique compared to other people I have read stuff from. Thanks for posting when you have the opportunity, Guess I will just book mark this page.
This is a really good tip particularly to those fresh to the blogosphere. Simple but very accurate information… Thank you for sharing this one. A must read post!
I’m amazed, I have to admit. Rarely do I come across a blog that’s both equally educative and engaging, and let me tell you, you have hit the nail on the head. The problem is something that not enough men and women are speaking intelligently about. I’m very happy I found this during my hunt for something regarding this.
A motivating discussion is definitely worth comment. I believe that you ought to publish more on this subject, it might not be a taboo subject but generally people don’t speak about such issues. To the next! All the best!
Hello there! This blog post could not be written much better! Looking through this post reminds me of my previous roommate! He continually kept preaching about this. I am going to forward this article to him. Pretty sure he’ll have a very good read. Many thanks for sharing!
Having read this I thought it was extremely enlightening. I appreciate you finding the time and effort to put this information together. I once again find myself spending way too much time both reading and leaving comments. But so what, it was still worth it!
Hi, I do believe this is an excellent website. I stumbledupon it 😉 I may return yet again since I book-marked it. Money and freedom is the greatest way to change, may you be rich and continue to guide other people.
Pretty! This has been a really wonderful post. Thanks for providing this info.