5 Kebiasaan Yang Menghambat Kemerdekaan Finansial, Segera Benahi Yaaa

Beberapa orang punya mimpi dapat mencapai kemerdekaan finansial. Kebebasan finansial jadi ultimate goal yang diidam-idamkan di dalam usaha keras penuhi keperluan hidup keseharian.

Bayangan mengenai kehidupan tanpa lagi dipusingkan oleh permasalahan uang ditambah lagi utang, jadi mimpi indah hampir kebanyakan orang.

Jika Anda memang ingin wujudkan kemerdekaan finansial, tinggalkan 5 kebiasaan yang menghambat kemerdekaan finansial.

5 Kebiasaan Yang Menghambat Kemerdekaan Finansial :

  1. Belum pernah membuat rencana keuangan


Anda membelanjakan tanpa rencana. Kemana sajakah uang Anda habis, Anda seringkali tidak dapat menjawab. Berapakah uang yang Anda butuhkan untuk keperluan bersenang-senang seperti jajan, hangout, berbelanja pakaian, Anda juga tidak paham persis. Tabungan juga ala kadarnya. Ini rutinitas sebagai ciri utama pengelolaan finansial yang jelek.

Jika Anda memang ingin mencapai kemerdekaan finansial, tinggalkan kebiasaan yang menghambat kemerdekaan finansial seperti itu. Mulai sekarang, Anda melatih diri untuk membuat gagasan biaya serta berbelanja pribadi. Dengan demikian Anda lebih “sadar” pada keadaan keuangan sekaligus juga dapat membuat taktik pengelolaan terunggul.


  1. Memakai kartu credit seperti pendapatan sendiri


Memakai kartu kredit secara berlebihan merupakan kebiasaan yang menghambat kemerdeaan finansial lho. Mereka dengan mudah gesek kartu credit untuk beberapa hal seperti kartu debet. Kedua-duanya memang saling alat transaksi nontunai berupa kartu. Akan tetapi, kedua-duanya begitu berlainan dari bagian sumber permodalan.

Jika Anda belanja menggunakan kartu debet, itu berarti Anda belanja menggunakan uang sendiri yang tersimpan di rekening bank. Demikian sebaliknya, jika Anda belanja menggunakan kartu credit, itu berarti Anda belanja menggunakan dana utang dari bank yang bunganya begitu mahal. Tetap ingat, kartu credit ialah kartu utang.


  1. Berutang tanpa perhitungan yang matang


Berutang tanpa perhitungan yang matang menjadi kebiasaan yang menghambat kemerdekaan finansial. Utang yang ada dengan prasyarat yang begitu gampang biasanya membanderol harga atau bunga yang begitu mahal. Jauhi ambil utang tanpa perhitungan yang masak. Bunga yang mahal akan begitu memberatkan keuangan pribadi Anda. Tetap ingat untuk batasi beban utang optimal 30 % dari keseluruhan penghasilan teratur.

Contohnya, pendapatan Anda Rp 6 juta per bulan, karena itu batas angsuran yang bisa Diambil ialah Rp 2 juta. Itu ialah nilai keseluruhan utang dari mulai utang kartu credit, utang KPR, sampai utang lain-lain.


  1. Tidak mempunyai asuransi


Tiap-tiap orang melawan resiko finansial yang dapat berlangsung waktu ada peristiwa tidak terelakkan seperti keadaan sakit, kecelakaan, kematian, kebakaran rumah, kehilangan asset, dan lain-lain. Awalilah mengurus risiko-risiko finansial itu lewat asuransi.

Tidak mempunyai asuransi masuk dalam kebiasaan yang menghambat kemerdekaan finansial, karena dengan berasuransi, Anda mengubah resiko finansial pada pihak ke-3 yakni penyedia produk asuransi. Awalilah dengan lengkapi asuransi basic yang harga dapat dijangkau contohnya BPJS Kesehatan. Janganlah lupa asuransi jiwa jika telah mempunyai tanggungan jiwa.


  1. Tunda investasi


Menunda investasi menjadi kebiasaan yang menghambat kemerdekaan finansial. Karena berinvestasi salah satunya langkah sangat efisien untuk menantang laju penurunan nilai uang. Beberapa orang memiliki pendapat investasi hanya untuk orang kaya saja. Hal seperti ini sebetulnya kurang pas.

Pada intinya tiap-tiap orang yang telah mempunyai pendapatan bisa berinvestasi. Sekarang ini banyak ada investasi yang dapat diawali dengan modal begitu dapat dijangkau.

Contohnya saja reksadana yang dapat dibuka mulai Rp 100.000 per unit. Atau investasi emas yang dapat diawali lewat cara menabung emas, dan lain-lain.

Itu 5 Kebiasaan Yang Menghambat Kemerdekaan Finansial, Segera Benahi Yaaa.

Baca juga : Kemerdekaan RI ke-73, Intip Yuk Promo Tarif Hotel Yang Menggiurkan



Tinggalkan Balasan

Alamat email Anda tidak akan dipublikasikan. Ruas yang wajib ditandai *


  1. I am not certain where you are getting your information, however great topic.

    I must spend some time studying much more or figuring out more.
    Thanks for fantastic information I was looking for this info for my mission.

  2. Write more, thats all I have to say. Literally, it seems as though you relied on the video to make your
    point. You obviously know what youre talking about, why throw away your intelligence
    on just posting videos to your blog when you could be giving us something enlightening to read?

  3. Everyone loves what you guys are up too. This type of clever work and exposure!
    Keep up the fantastic works guys I’ve incorporated
    you guys to our blogroll.

  4. Having read this I believed it was rather informative.

    I appreciate you taking the time and energy to put this informative article together.

    I once again find myself personally spending a significant amount of time both
    reading and posting comments. But so what, it was still worth it!

  5. Write more, thats all I have to say. Literally, it seems
    as though you relied on the video to make your point.
    You clearly know what youre talking about, why waste your
    intelligence on just posting videos to your site when you could be giving
    us something enlightening to read?

  6. When I initially commented I clicked the “Notify me when new comments are added” checkbox and now each time a
    comment is added I get three e-mails with the same
    comment. Is there any way you can remove people from that service?
    Thank you!

  7. Its like you read my thoughts! You seem to grasp so much approximately this, like you wrote the e
    book in it or something. I believe that you simply could do
    with a few percent to force the message home a little bit,
    but instead of that, that is fantastic blog. An excellent read.
    I’ll definitely be back.

  8. It’s perfect time to make some plans for the future and it is time to be
    happy. I’ve learn this submit and if I may just I desire to suggest you few interesting things
    or suggestions. Perhaps you can write subsequent articles
    relating to this article. I desire to learn more things about it!

  9. I’m amazed, I must say. Seldom do I come across a blog that’s equally educative and
    engaging, and without a doubt, you have hit the nail on the head.

    The issue is something not enough folks are speaking intelligently about.
    Now i’m very happy that I found this in my search for
    something regarding this.

  10. I know this if off topic but I’m looking into starting my own weblog and
    was wondering what all is needed to get set up?
    I’m assuming having a blog like yours would cost a pretty penny?
    I’m not very internet smart so I’m not 100% sure. Any
    tips or advice would be greatly appreciated. Thanks

  11. Excellent beat ! I wish to apprentice while you amend your
    site, how can i subscribe for a blog web site?
    The account aided me a acceptable deal. I had been tiny bit acquainted of this your broadcast provided
    bright clear concept

  12. My coder is trying to persuade me to move to .net from PHP.
    I have always disliked the idea because of the expenses.

    But he’s tryiong none the less. I’ve been using Movable-type
    on numerous websites for about a year and am nervous about switching to
    another platform. I have heard great things about blogengine.net.
    Is there a way I can import all my wordpress content into it?
    Any kind of help would be really appreciated!

  13. Hey there this is kinda of off topic but I was wondering if blogs use
    WYSIWYG editors or if you have to manually code with HTML.

    I’m starting a blog soon but have no coding expertise
    so I wanted to get advice from someone with experience.
    Any help would be greatly appreciated!

  14. Good day! I know this is somewhat off topic but I was wondering which blog platform are you using for this site?

    I’m getting tired of WordPress because I’ve had problems with hackers and
    I’m looking at alternatives for another platform.
    I would be fantastic if you could point me in the direction of a good platform.
    plenty of fish natalielise

  15. Hey I know this is off topic but I was wondering if you
    knew of any widgets I could add to my blog that automatically tweet my newest twitter updates.
    I’ve been looking for a plug-in like this for quite some time and was hoping maybe you would have some experience with something like this.

    Please let me know if you run into anything.
    I truly enjoy reading your blog and I look forward to your new
    updates. natalielise pof

  16. I don’t even understand how I ended up here, however I believed
    this publish was great. I do not know who you’re but certainly you are
    going to a well-known blogger in the event you aren’t
    already. Cheers!

  17. Hi there! This is my first visit to your blog! We are a collection of volunteers
    and starting a new project in a community in the same niche.
    Your blog provided us useful information to work
    on. You have done a outstanding job!

  18. I was wondering if you ever thought of changing the page layout of your site?
    Its very well written; I love what youve got to say.
    But maybe you could a little more in the way of content so people could connect with it better.
    Youve got an awful lot of text for only having 1 or 2 pictures.

    Maybe you could space it out better?

  19. Hi! This is my first visit to your blog! We are a collection of
    volunteers and starting a new project in a community in the
    same niche. Your blog provided us useful information to work on. You have done a wonderful job!

  20. Hey! Someone in my Myspace group shared this site with us so I
    came to check it out. I’m definitely enjoying the information.
    I’m book-marking and will be tweeting this to my followers!
    Superb blog and brilliant design and style.

  21. Appreciating the time and effort you put into your website and detailed information you present. It’s good to come across a blog every once in a while that isn’t the same old rehashed information. Wonderful read! I’ve bookmarked your site and I’m including your RSS feeds to my Google account.

  22. Thanks for another wonderful post. Where else could anybody get that type of information in such a perfect way of writing? I’ve a presentation next week, and I am on the look for such information.

  23. Undeniably believe that which you said. Your favorite justification appeared to be on the internet the simplest thing to be aware of.
    I say to you, I definitely get irked while people
    consider worries that they just do not know about. You managed to
    hit the nail upon the top as well as defined out the
    whole thing without having side-effects , people can take a signal.
    Will likely be back to get more. Thanks

  24. Hey there outstanding website! Does running a blog like this require a massive amount work?
    I’ve no knowledge of coding however I had been hoping to start my own blog
    in the near future. Anyways, if you have any recommendations or techniques for new
    blog owners please share. I understand this is off subject however I just needed to ask.

  25. Hello! I could have sworn I’ve visited this web site before but after
    going through some of the posts I realized it’s new to me.
    Anyways, I’m definitely pleased I came across it and I’ll be bookmarking it
    and checking back regularly!

News Feed