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Berhemat Saat Libur pada 7 tahun lalu - byTempo Saat Anda tengah menikmati hari libur, kegiatan apa pun bisa Anda lakukan, termasuk berbelanja dan menghabiskan uang. Tahukah Anda, waktu libur adalah saat Anda berpotensi melakukan kesalahan dalam pengelolaan dan pembelanjaan dana yang Anda miliki.
Berikut ini lima kesalahan keuangan yang biasa dilakukan saat liburan.
#Membuka kartu kredit Tentu, saat membelikan hadiah untuk orang tersayang terkadang tidak mempermasalahkan harganya. Daripada uang tunai, mungkin Anda lebih memilih menggunakan kartu kredit untuk pembayarannya.
Namun hati-hati dengan kartu kredit yang berafiliasi dengan
merchant tertentu, yang banyak mengeluarkan penawaran menarik. Anda bisa tergoda dengan cicilan 0 persen selama periode tertentu atau pembayaran pada bulan depan. Pastikan membaca semua ketentuan yang berlaku sebelum Anda memutuskan membuka kartu kredit.
#Pemborosan karena promosi pemasaran toko Anggaran untuk pesta di kantor Anda, misalnya, sebesar Rp 660 ribu. Namun pelayan toko menawarkan potongan harga sebesar Rp 330 ribu setiap pembelian kedua dengan nilai pembelian pertama Rp 1 juta.
Anda pun menghabiskan Rp 1,3 juta demi mengejar potongan harga yang ditawarkan tadi. Jangan tergoda. Ini hanyalah sebuah taktik pemasaran, yang sengaja dirancang supaya konsumen menghabiskan lebih banyak uang daripada yang awalnya sudah Anda rencanakan.
#Berbelanja diwebsite yang tidak aman Diskon belanja
online adalah yang terbaik. Tapi, jika Anda tidak melihat ikon gembok tertutup di sebelah URL
website , sudah pasti
website itu penuh risiko untuk bertransaksi lewat kartu kredit. Tanda-tanda lain, kartu kredit bisa diretas lewat iklan atau
e-mail sampah yang tiba-tiba bermunculan di kotak
e-mail Anda.
#Melupakan anggaran hari libur Saat libur, Anda tentunya ingin mengirimkan kartu pos kepada keluarga dan rekan di daerah asal, belum termasuk oleh-oleh yang ingin Anda bagikan sebagai suvenir. Pos ini tentu saja membutuhkan dana di luar anggaran hari libur. Solusi yang tepat adalah membuat catatan barang yang ingin dibeli dan usahakan pisahkan dengan anggaran lain.
#Menyisihkan uang ke dalam tabungan darurat Para ahli mengatakan Anda harus memiliki tabungan tiga-enam bulan gaji yang disisihkan untuk keadaan darurat, seperti kehilangan pekerjaan atau perbaikan mobil. Tambahkan dalam anggaran belanja Anda sekarang untuk mengisi pos itu. Jika tak terpakai saat ini, uang tersebut bisa dipakai untuk keperluan masa mendatang.
PUREWOW | ARIEF B. Baca juga: Mendongeng, Pilih Cerita Rakyat yang Tepat dan Universal Pria Dewasa Suka Mentraktir, Kekanakan? Bangun Percaya Diri Anak dengan Memasak