Sesimpel Ini Panduan Keputusan Keuangan Cerdas

Apakah kamu ingin mencapai kesuksesan finansial? Manfaatkan panduan keputusan keuangan cerdas sebagai kunci mencapai kesuksesan finansial hanya dalam satu halaman! Yuk belajar caranya dari penasihat keuangan Carl Richards melalui buku “The One Page Financial Plan”.  

Siapa Carl Richards?

Carl Richards adalah penulis atau rekan penulis beberapa buku di bidang keuangan. Selain menulis, Carl juga memberikan layanan konsultasi di Yahoo, dan kolom mingguan untuk New York Times.

Berikut 6 Pelajaran Penting Membuat Perencanaan Keuangan Cerdas!

1. Mencari tahu mengapa kamu peduli dengan uang

Coba tentukan hal apa yang kamu hargai dengan menanyakan mengapa uang penting untukmu karena dapat membantu kamu nantinya, dalam membuat rencana keuangan sesuai dengan kebutuhan pribadimu sebagai keputusan keuangan yang cerdas. Asumsikan seperti saat kita berkunjung ke dokter. Dokter tidak meresepkan obat yang sama untuk semua orang. Agar pengobatan menjadi efektif, dokter terlebih dahulu harus memahami apa yang salah. Tidak berbeda dengan merencanakan keuangan, kamu harus tahu terlebih dahulu mengapa kamu menghargai uang. Setelah itu, baru kamu dapat mengembangkan “pengobatan” yang sesuai untuk dirimu.

2. Tentukan tujuan, lalu sempurnakan untuk mencapainya

Rencana dan tujuan keuangan kamu harus fleksibel untuk mengantisipasi ketidakpastian dan hal-hal tidak terduga. Mengembangkan tujuan membutuhkan penerimaan bahwa kamu tidak dapat memprediksi masa depan sepanjang waktu. Mirip dengan merencanakan liburan, kita harus mempertimbangkan adanya hal yang tidak terduga, bahkan jika sudah menetapkan tujuan seperti melihat tempat atau melakukan aktivitas. Perencanaan keuangan, itu sama. Jangan menyerah pada tujuan, jika kamu keluar jalur. Setelah menerima kenyataan bahwa masa depan tidak dapat di prediksi, mulai tuliskan tujuan kamu dan mana yang harus di prioritaskan.

3. Buatlah neraca sederhana dari situasi keuangan kamu saat ini

Sebelum dapat memutuskan apa yang harus di lakukan, perlu memahami situasi keuangan kamu saat ini. Buatlah neraca untuk menentukan situasi keuangan kamu. Neraca menunjukkan pemahaman yang tentang aset dan kewajiban kamu, sehingga dapat memahami langkah apa yang seharusnya di ambil untuk mencapai tujuan keuanganmu. Caranya, Kamu dapat membuat bentuk T pada selembar kertas dengan meletakkan aset di sebelah kiri, dan kewajiban di sebelah kanan. Kekayaan bersih di hitung dengan mengurangkan kewajiban dari aset yang di tuliskan di atas T

4. Lacak pengeluaran dengan anggaran

Kesuksesan finansial hanya dapat di capai dengan penganggaran, dari melacak bagaimana kamu membelanjakan uang, dan membandingkannya dengan tujuan dan nilaimu. Misalnya, kamu ingin liburan ke luar negeri, tetapi selalu menghabiskan 30% dari penghasilan untuk minum dan makan malam. Untuk dapat liburan, kamu harus membuat beberapa perubahan. Caranya, Kamu membuat daftar semua pengeluaran tetap bulanan dan kemudian cari cara untuk mengurangi atau menggeser pengeluaran tersebut. Anggap hal ini sebagai tantangan atau permainan, karena selain membantu menyelaraskan kebiasaan belanja. Kamu juga dapat mencari tahu berapa banyak uang yang benar-benar perlu di belanjakan vs apa yang tidak di butuhkan.

5. Lunasi utang secepat mungkin dan simpan sebanyak yang kamu bisa

Lunasi utang sekaligus menabung, di mulai dari yang memiliki tingkat bunga tertinggi. Tindakan melunasi hutang pada dasarnya adalah investasi di masa depan finansial kamu. Jika kamu menumpuk utang pada kartu kredit untuk hal-hal yang tidak sejalan dengan tujuan, kamu akan sibuk membayar bunga utang di kemudian hari alih-alih menabung untuk apa yang sebenarnya ingin di lakukan. Kamu belajar mengatakan “tidak” untuk tujuan pribadi demi sesuatu yang lain, dengan memikirkan kembali tujuan kamu jika “sesuatu yang lain” ini benar-benar penting.

6. Berpikirlah seperti seorang ilmuwan dan diversifikasikan investasi 

Lihat investasi sebagai ilmu, dan juga mendiversifikasi portofolio untuk mengurangi risiko. Seperti yang kita ketahui, mendiversifikasi investasi ke sebanyak mungkin sektor dapat mengurangi risiko dari berinvestasi. Portofolio harus mencakup campuran perusahaan nasional dan internasional, besar dan kecil, dari berbagai sektor. Dengan demikian, akan meningkatkan peluang kamu untuk menghasilkan keuntungan dan mencapai tujuan keuangan.

Jadi, membuat rencana keuangan dimulai dari menanyakan kepada diri sendiri mengapa uang penting dan menetapkan tujuan yang mencerminkan jawabanmu. Setelah itu, tinggal meninjau pengeluaran, tabungan, dan investasi untuk membuat penyesuaian yang akan membantu kamu mencapai tujuan tersebut.

“Jangan berkomitmen pada tebakan, berkomitmen pada proses menebak.” – The One Page Financial Plan.

Buku ini mengingatkan Kamu untuk berkomitmen pada proses, dibandingkan dengan hasilnya. Mulai aja dulu untuk membuat rencana keuangan satu halamanmu sekarang! Yuk kita berproses sama-sama ya dalam membuat keputusan keuangan.

Sumber:

https://www.youronepagefinancialplan.com/

Penulis:

Kategori: Keuangan

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