Tips Mengatur Keuangan Mahasiswa Rantau

Menjadi Mahasiswa rantau pasti memiliki tantangan-tantangan besar. Salah satunya di faktor keuangan yang harus memenuhi kebutuhan-kebutuhan selama menjadi mahasiswa, apalagi harus dipaksa untuk hidup mandiri yang jauh dari orang tua, maka dari itu harus memiliki management uang dengan baik.

Tak jarang sebagai mahasiswa juga yang baru merasakan hidup diperantauan kesulitan untuk mengatur kebutuhan-kebutuhan yang harus diprioritaskan salah satu nya yaitu di keuangan. Oleh karena itu, sebagai mahasiswa harus perlu belajar dalam mengelola keuangan dengan baik dan menghemat pengeluaran.

Keuangan menjadi aspek penting dalam kehidupan mahasiswa yang merantau. Berikut adalah beberapa tips keuangan yang dapat membantu mahasiswa yang merantau:

1. Buat Anggaran Bulanan

Tentukan pengeluaran tetap seperti sewa tempat tinggal, biaya makan, transportasi, dan kebutuhan pokok lainnya, agar tau mana skala prioritas yang harus dibutuhkan dulu. Tetapkan batas pengeluaran untuk keperluan non-esensial agar dapat mengendalikan pengeluaran secara keseluruhan.

2. Prioritaskan Kebutuhan Utama

Berfokus pada kebutuhan dasar seperti makanan, tempat tinggal, dan transportasi sebelum memikirkan keinginan lainnya, dan jika lebih bisa ditabung untuk kebutuhan hidup lainnya.

3. Mencari Diskon dan Promo

 Manfaatkan diskon, promo, dan penawaran khusus untuk belanja kebutuhan sehari-hari, agar biar bisa      hemat dan memanfaatkan untuk kebutuhan lainnya.

Gunakan aplikasi atau kartu anggota yang dapat memberikan keuntungan tambahan, seperti menjadi member di beberapa supermarket itu akan menjadi keuntungan tersendiri karena bisa memotong biaya belanja dan juga bisa mendapatkan bonus dari supermarket itu.

4. Mengelola Hutang

 Hindari utang yang tidak perlu, seperti utang yang hanya untuk kebutuhan konsumtif seperti beli baju, nonton konser, dan untuk berlibur. Karena bisa membuat stress dalam keuangan.

 Jika ada utang, aturlah pembayaran sesuai dengan kemampuan keuangan dan prioritaskan pembayaran utang dengan bunga tinggi terlebih dahulu.

5. Pekerjaan Sampingan

 Cari pekerjaan sampingan yang sesuai dengan jadwal kuliah dan dapat membantu meningkatkan pendapatan anda, dan juga bisa mendapatkan pengalaman kerja ketika mencari pekerjaan sampingan.

 Pertimbangkan pekerjaan part-time, freelancing, atau magang yang sesuai dengan bidang studi. Menjadi nilai plus ketika kamu kerja di bidang yang kamu suka atau beriringan dengan bidang studi mu.

6. Hemat Transportasi

 Manfaatkan transportasi umum atau carpooling untuk mengurangi biaya transportasi. Banyak sekali sekarang transportasi yang menawarkan paket pelajar atau mahasiswa dan dimanfaatkan sedemikian rupa agar bisa meminimalisir biaya keuanganmu.

 Pertimbangkan untuk menggunakan sepeda atau berjalan kaki jika memungkinkan. Selain menghemat uang, kamu juga menjadi lebih sehat dan fresh jika menggunakan sepeda atau berjalan kaki.

7. Mengelola Pengeluaran Hiburan

Cari alternatif hiburan yang lebih terjangkau atau bahkan gratis, seperti menghadiri acara kampus atau kegiatan komunitas. Komunitas sekarang banyak sekali mengadakan konser atau hiburan gratis seperti pameran, live music, dan lain-lain. Oleh karena itu pakai kesempatan itu untuk menjadi ladang hiburanmu agar menghemat pengeluaran hiburan.

8. Simpan Sebagian Pendapatan

 Alokasikan sebagian dari pendapatan bulanan untuk ditabung sebagai dana darurat atau untuk keperluan mendesak lainnya. Karena ini sangat membantu sekali kita membutuhkan hal yang sangat mendesak. Dengan mulai belajar untuk disiplin dalam menabung tentunya akan sangat berguna bagi kita di kemudian hari. Selalu prioritaskan tabungan saat kita menerima uang saku, baik itu dari orang tua atau sanak keluarga lain.

9. Gunakan Kartu Kredit dengan Bijak

Jika menggunakan kartu kredit, bayar tagihan tepat waktu untuk menghindari bunga dan denda. Agar tidak menjadi stress keuangan di kemudian hari. Gunakan kartu kredit secara bijak dan hindari menggunakan kartu kredit untuk pembelian yang tidak perlu.

10. Konsultasi dengan Ahli Keuangan Kampus

Banyak perguruan tinggi menyediakan sumber daya dan konseling keuangan untuk mahasiswa. Manfaatkan layanan ini untuk mendapatkan saran khusus terkait keuangan Anda.

Mengelola keuangan sebagai mahasiswa rantau membutuhkan perencanaan yang matang dan disiplin. Dengan merencanakan dan mengelola keuangan dengan bijak, Anda dapat mengurangi stres keuangan dan fokus pada pendidikan Anda.

Penulis:

Kategori: Keuangan

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