Apakah kamu seorang penikmat kartun Jepang? Jika iya, pastinya kamu tidak akan asing akan hal ini. Yap! Desain rumah dan perabotan rumah yang minimalis adalah ciri utama yang biasanya kamu akan temukan saat menonton kartun Jepang seperti serial doraemon. Ternyata penggambaran minimalis ini bukan sekedar kartun belaka, tetapi ini adalah realita. Apakah kamu tahu mengapa perabotan rumah di Jepang, terutama perabotan kamar tidur yang sangat minimalis. Hal ini disebabkan karena Jepang adalah negara dengan biaya hidup yang tinggi. Untuk menghindari terkena masalah keuangan, orang Jepang terutama para ibu rumah tangga sangat berhati-hati dalam mengatur keuangan keluarga. Mereka menyebutnya seni berhemat kakeibo. Ingin tahu bagaimana caranya? Simak 5 cara di bawah ini.
1. Selalu memperbarui anggaran bulanan
Ternyata membuat anggaran bulanan secara rutin sudah biasa dilakukan oleh para ibu rumah tangga di Jepang. Kakeibo adalah istilah untuk catatan anggaran ala ibu-ibu di Jepang.
Beberapa pengeluaran yang dicatat secara rutin diataranya adalah uang cicilan rumah dan biaya sewa tempat tinggal. Sejak awal, para ibu juga sudah mengalokasikan dana tabungan yang dimiliki.
Alokasi uang untuk pengeluaran kategorial di dapatkan dari selisih pendapatan total dengan pengeluaran rutin. Pengakategorian kebutuhan ala ibu-ibu Jepang di bagi ke dalam 3 kategori, yaitu untuk kebutuhan primer, sekinder, dan biaya tak terduga.
Biasanya para ibu akan menyisihkan dan memisahkan setiap uang tunai dan di masukkan ke dalam amplop. Setiap uang dalam amplop memiliki peruntukan masing-masing dan tidak bisa di gunakan untuk kebutuhan lain.
2. Rajin membuat daftar belanja
Di akhir bulan banyak sekali toko yang akan mengecoh pelanggannya agar berbelanja lebih lama dan membeli banyak hal yang belum tentu termasuk ke dalam keperluan utama.
Tapi untuk para ibu rumah tangga di Jepang, hal ini tidak akan mempan karena mereka sudah menyiapkan daftar belanjaan sebelum pergi belanja. Mereka tidak akan memikirkan apa yang akan mereka beli dan langsung menghampiri rak barang yang sesuai dengan daftar belanja. Setelah itu mereka akan langsung pergi ke kasir tanpa menghiraukan berbagai diskon atau penawaran yang di berikan oleh pegawai toko.
Berani coba?
3. Rajin membandingkan harga
Para ibu rumah tangga di Jepang selalu berusaha untuk teliti dalam mencari harga terbaik sebelum memutuskan menggunakan suatu barang atau jasa.
Mereka tidak segan mengalihkan pandangan ke merek lain yang harganya lebih rendah, jika nilai yang idberikan setara atau lebih baik.
Pengeluaran untuk makanan menjadi salah satu fokus utama para ibu di Jepang. Apabila mereka dapat menghemat pengeluaran untuk makanan, maka keuntungan yang di dapat akan sangat terasa.
4. Rajin masak sendiri
Cara lain yang di gunakan oleh para ibu di Jepang untuk menghemat pengeluaran adalah dengan cara memasak dan membuat makanan sendiri untuk lauk pauk di rumah dan bekal untuk anak dan suami mereka. Ternyata di Jepang, bento merupakan bekal favorit yang menjadi kebanggaan para ibu.
5. Pentingnya uang kembalian
Uang kembalian dari berbelanja menjadi sangat penting dan berharga karena penerapan kakeibo. Uang kembalian tersebut di simpan dengan rapi agar tidak tercecer dan bisa di gunakan kembali.
Jika kamu menerapkan poin ini, maka uang kembalian yang kamu kumpulkan bisa kamu manfaatkan untuk membeli emas di OneAset lho! Kenapa? Karena kalau kamu mau menabung emas di OneAset, kamu tidak perlu mengeluarkan modal yang besar. Sehingga kamu bisa menabung uang kembalian belanja selama 1 bulan dan langsung membeli emas digital di OneAset. Di jamin mudah dan aman.
Ayo Mulai Ikuti Gaya Hidup Hemat Seperti di Jepang
Budaya hidup sederhana yang di terapkan di Jepang menjadi salah satu gaya hidup yang banyak di apresiasi oleh sebagian besar orang di dunia. Ternyata budaya tersebut berasal dari kedisiplinan diri dan keluarga untuk komitmen serta konsisten dalam berhemat.
Semoga bermanfaat!
Sumber: https://www.suarasurabaya.net/info-grafis/2022/kakeibo-menabung-ala-orang-jepang/
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