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5 Kebiasaan Buruk yang Membuat Dompet Jebol Tempo - Keuangan Anda selalu jebol setiap bulan? Bisa jadi Anda kurang maksimal dalam mengelola keuangan.
Mengelola keuangan tidak hanya sekadar membuat laporan pengeluaran, namun juga menggunakan uang dengan bijak. Kebiasaan buruk mengelola keuangan, seperti penggunaan kartu kredit yang tidak terkontrol, bisa menyebabkan kondisi keuangan Anda kritis.
Selain penggunaan kartu kredit, berikut ini adalah beberapa kebiasaan buruk lainnya dalam mengelola keuangan dan cara mengatasinya:
Besar pasak daripada tiang Membelanjakan uang merupakan kegiatan yang sangat mudah dilakukan dan kerap kali tidak disadari. Bahkan terkadang Anda harus menjebol dana tabungan atau meminjam uang akibat pengeluaran yang membengkak. Buatlah perencanaan pengeluaran setiap bulannya dan pastikan jumlah pengeluaran tersebut di bawah jumlah pendapatan Anda. Gunakan uang yang tersisa untuk membayar utang.
Terlalu sering menggunakan kartu kredit Bagi sebagian orang, penggunaan kartu kredit bisa membuat mereka terlena. Untuk itu, bawalah uang tunai ketika akan belanja kebutuhan sehari-hari, membayar bensin, membeli baju atau untuk keperluan hiburan. Dengan membawa uang tunai, pengeluaran Anda akan lebih terkendali.
Tidak membuat rencana keuangan Meskipun terdengar membosankan, namun perencanaan keuangan wajib dibuat setiap bulan dan merupakan langkah pertama dalam mengelola keuangan. Anda bisa menggunakan aplikasi yang tersedia untuk membuat rencana keuangan, seperti dilansir laman Brit+Co.
Bayar tagihan tidak tepat waktu Dengan membayar tagihan tepat waktu, Anda bisa menghemat pengeluaran bunga yang harus dibayarkan akibat terlambat membayar tagihan.
Tidak punya dana cadangan Selalu sisihkan uang untuk dana cadangan yang bisa digunakan ketika misalnya mobil pribadi Anda rusak atau Anda kehilangan pekerjaan secara tiba-tiba, sehingga Anda tidak perlu menggunakan kartu kredit untuk menutupi biaya tersebut. Lebih baik lagi jika Anda bisa menyimpan uang untuk biaya hidup tiga hingga enam bulan ke depan.
TABLOIDBINTANG Berita lainnya: Ni Nengah Widiasih dan Mimpi Gimnasium Awas, Memutihkan Kulit Tingkatkan Risiko Kanker Kulit Menikmati Hidangan Buffet di Satoo Shangri-la Hotel Jakarta Berita Terkait: