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Tips Jadikan Kebiasaan Menabung Lebih Mudah
Dengan segala godaan sepatu, tas,gadget , pakaian dan banyak hal “indah” lainnya untuk menunjang penampilan, sulit rasanya untuk menentukan prioritas keuangan dan menyisihkannya untuk menabung. Jangan khawatir, karenaCosmo punya cara agar Anda bisa mula “menutup mata” dari godaan mengeluarkan uang buat hal yang tak terlalu penting dan mulai menabung.
Biasakan Membayar Dengan Uang Tunai
Rasanya menyenangkan dan mudah jika Anda bisa melakukan transaksi belanja dengan hanya menggesekkan kartu. Tapi kebiasaan ini justru menjadi kendala utama tagihan hutang Anda membengkak pada setiap bulannya. Biasakan untuk kerap menggunakan uang tunai agar Anda bisa membatasi pengeluaran dan mengalihkannya (juga memikirkan) pada pengeluaran yang lebih penting dari sisa uang yang tersisa di dalam dompet Anda.
(Baca juga artikel: Keuntungan Memiliki Tabungan Dolar )
Kurangi Uang Pecahan
Saat mendapati banyaknya uang pecahan (nominal kecil) di dalam dompet, kecenderungan untuk menghabiskan uang tersebut akan lebih besar dari pada mempertahankan nominal yang besar.So , setiap harinya “bersihkan” dompet Anda dari uang dengan nominal kecil dan masukkan ke dalam tabungan yang ada dalam rumah (menabung), dan biarkan nominal besar tetap berada di dalamnya.
(Baca juga artikel: 5 Hal Ini Gagalkan Niat Menabung Anda )
Kurangi Keinginan dan Penuhi Kebutuhan
Saat menerima gaji, Anda lantas menjadi ambisius dan kalap membeli semua hal menarik yang ada di hadapan dengan dalih nilai saldo yang masih banyak di tabungan Anda. Hal inilah awal mula “kesengsaraan” dalam mengatur keuangan Anda. Ada baiknya untuk merinci setiap kebutuhan yang benar-benar Anda butuhkan dalam nominal dan menyisihkannya untuk menabung setiap awal bulannya. Saat melihat ada sisa dari gaji Anda,a little treat for yourself is allowed. (Irfina Indriyani / VP / Image: doc. Africa Studio / Shutterstock / Clickphotos)