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Mau Target 2018 Tercapai? Hindari 3 Kesalahan Finansial Ini Selamat datang Tahun Baru 2018! Selamat datang juga resolusi baru.
Momen tahun baru kerap digunakan orang-orang untuk membuat resolusi baru dan target baru, terutama tentang keuangan. Ada yang memiliki target ingin menikah tahun 2018, ada yang ingin membeli rumah, dan ada pula yang ingin membeli mobil.
Tapi, semua target itu tidak bisa tercapai jika kesalahan-kesalahan terhadap uang masih tetap dilakukan.
Dilansir dariCNN Money , Senin 1 Januari 2018, ada tiga kesalahan uang yang harus dihindari pada 2018.
Pertama, menabung sisa uang. Cara ini tidak akan efektif untuk menambah tabungan. Yang ada malah tidak bisa menabung sama sekali. Jika ingin menabung, lebih baik menabung di awal menerima uang gaji.
Yang kedua, menggunakan kartu kredit sebagai alat pembayaran. Memang, membayar dengan kartu ini terlihat cepat dan praktis. Tapi, tahu-tahu Anda akan disuguhkan dengan tagihan yang menumpuk.
Lebih baik memaksa diri untuk membayar dengan uang tunai.Sahabat Dream akan merasakan betapa menyakitkannya melihat uang di kantong mulai menipis.
“Jika melakukan pembayaran otomatis, Anda tidak merasa ‘tersiksa’ dan kurang peduli dengan biaya yang harus dikeluarkan,” kata pakar ekonomi, Dan Ariely.
Ketiga, berhenti membicarakan uang. Riset membuktikan bahwa manusia menjadi buruk ketika membuat kesepakatan tentang uang dan berbicara tentang uang.
Tapi, manusia bisa menjadi lebih baik tentang uang jika terus-menerus berbicara tentang finansial. Semakin banyak membahas uang, kita akan memiliki kemampuan yang lebih baik. Contohnya, memperbanyak diskusi tabungan pensiun dengan teman-teman Anda. (ism)