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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

 

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