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Lima Trik Agar Bisa Menabung Lebih Banyak di 2018 Jutaan orang di dunia setiap tahunnya membuat resolusi baru. Sektor keuangan menjadi resolusi populer bagi masyarakat Amerika seperti diungkapkan survei dari Fidelity dimana 55 persen responden mengatakan bahwa menabung adalah salah satu resolusi utama mereka pada 2018.
Untuk membantu masyarakat mewujudkan hal ini, pakar keuangan di Amerika pun membeberkan beberapa tips menghemat sehingga porsi tabungan pada 2018 bisa lebih besar daripada pengeluaran Anda. Berikut adalah beberapa tips menghemat uang seperti dilansir laman Nypost.com.
1. Menghabiskan akhir pekan di rumah beberapa kali dalam sebulan
Alih-alih menghabiskan akhir pekan dengan teman-teman, tak ada salahnya Anda berdiam di rumah untuk menghemat pengeluaran. Anda bisa menghemat pengeluaran Rp 200-500 ribu per bulan jika melakukan hal ini satu atau dua kali dalam sebulan.
2. Ubah gaya hidup
Jika Anda tergolong perokok, pemabuk atau orang yang doyan menghabiskan malam di diskotik, maka tak ada salahnya Anda berhenti melakukan gaya hidup tersebut. Selain tubuh menjadi lebih sehat, Anda juga bisa menggunakan anggaran hiburan tersebut untuk dialokasikan ke tabungan.
3. Belanja via online
Ya, belanja online tak membutuhkan anggaran mengisi bensin, membayar parkir atau jasa taksi. Anda hanya perlu duduk manis di depan laptop atau ponsel lalu menelusuri barang yang Anda butuhkan. Tak hanya itu beberapa e-commerce juga biasanya menawarkan diskon besar-besaran pada momen-momen tertentu. Ini merupakan salah satu cara menghemat pengeluaran.
4. Hentikan layanan berlangganan
Mungkin Anda termasuk salah satu orang yang gemar berlangganan layanan apapun seperti jasa pembersihan rumah, aplikasi film di ponsel atau majalah digital. Hentikan layanan berlangganan yang tidak sering Anda gunakan. Hal ini dapat menambah porsi tabungan Anda karena pengeluaran yang tak perlu.
5. Tetapkan porsi tabungan di awal bulan
Sebagian orang merasa bahwa porsi tabungan adalah uang yang tersisa setiap bulannya. Inilah kesalahan yang kerap dilakukan banyak orang. Seharusnya Anda menetapkan porsi tabungan di awal dan gaya hidup Anda akan menyesuaikan dengan uang yang tersisa setiap bulannya. Dengan cara ini Anda akan lebih mudah berhemat. Selamat mencoba!