Sesimpel Ini Paham 3 Metode Survive Keuangan

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

  1. 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!



Kategori: Keuangan

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