5 Kesalahan Fatal Pekerja Muda dalam Mengatur Uang

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Ilustrasi / gnsprofessional.com
Ilustrasi / gnsprofessional.com

Mengatur keuangan pribadi adalah salah satu hal yang sangat penting bagi diri kita. Terutama bagi kita yang masih berusia muda.

Sering kali terjadi pada pemuda yang sudah bekerja, kerap mendapatkan masalah tentang cara mengatur keuangan yang baik dan benar.

Biasanya yang menjadi masalah besar terjadi pada tanggal 20-an sampai akhir bulan, dimana uang yang tersisa sudah tiris.

Mengapa hal ini bisa terjadi? Padahal semua pekerja juga memiliki waktu gaji pada awal bulan namun beberapa dari mereka tidak mengalami masalah pada tanggal 20-an sampai akhir bulan.

Dalam artikel ini, kami akan sedikit membahas tentang 5 kesalahan fatal para pekerja muda dalam mengatur keuangan.

1.    Ketergantungan pada gaji

Hal ini menjadi sebuah hal yang sangat fatal yang seringkali terjadi pada pemuda di Indonesia. Biasanya, pekerja muda masih belum bisa fokus untuk mencari uang saja dan mereka masih sempat-sempatnya menghabiskan uang mereka untuk bermain.

Biasanya mereka akan menggunakan cukup banyak uang mereka kala baru saja mendapatkan gaji. Hal ini yang biasanya mengakibatkan Anda semua kekurangan dana di sekitar tanggal 20-an sampai akhir bulan.

Oleh karena itu, cobalah untuk mengatur kembali penggunaan keuangan Anda dengan lebih baik sehingga Anda masih bisa bertahan hidup sampai akhir bulan nanti.

2.    Gunakan rekening tabungan

Banyak orang yang percaya bahwa penggunaan rekening tabungan tidak lah berguna sama sekali. Beberapa orang berpikir bahwa percuma mereka menabung apabila nantinya di saat mereka butuh uang tersebut, mereka akan kembali menggunakan uang tersebut.

Padahal, kesalahan bukan berada pada rekening tabungan, namun pada diri Anda masing-masing. Cobalah untuk menabung dan gunakanlah uang tersebut hanya untuk kebutuhan mendadak saja.

Contohnya apabila kendaraan Anda mogok, biaya rumah sakit, dan kebutuhan dadakan lainnya. Selain itu, jumlah uang tabungan dan simpanan Anda disarankan berjumlah 2 atau 3 kali lebih besar dari gaji bulanan Anda karena keperluan dadakan tersebut biasanya akan memerlukan biaya yang cukup besar.

3.    Penggunaan kartu kredit yang tidak efisien

Kehadiran kartu kredit sebenarnya adalah sebuah solusi yang baik, tetapi hanya untuk mereka yang bisa menggunakannya dengan baik.

Namun, bagi mereka yang kerap terus berbelanja dengan menggunakan kartu kredit dan tidak pernah membayar tagihan dengan tepat waktu, hal ini bisa menjadi masalah yang besar bagi Anda.

Tagihan perbulannya bisa menjadi sebuah beban baru bagi Anda, terutama bagi Anda para pekerja muda yang gajinya sebenarnya belum seberapa dan akan merasa sangat kesulitan untuk membayar tagihan setiap bulannya.

4.    Terlalu bergantung pada orang tua

Hal ini sebenarnya sangat tricky karena hal ini sangat wajar dilakukan namun bisa juga berbalik menjadi petaka bagi Anda.

Kebiasaan meminjam uang kepada orang tua sebenarnya adalah hal yang wajar karena orang tua sendiri memiliki kewajiban untuk membiayai anaknya. Namun, bagi Anda yang sudah bekerja, sebaiknya hindari hal ini.

Tentu Anda pun memiliki kewajiban untuk membiayai orang tua kalian, sedangkan apabila terus menerus meminjam uang kepada orang tua hal ini akan berbahaya bagi kalian.

Karena di sini kalian sudah memiliki kewajiban untuk mengembalikan uang tersebut dan tentu saja akan menjadi beban bagi kalian pekerja muda.

5.    Lupa akan pensiun

Sebagian dari pekerja muda tentu saja tidak akan memikirkan terlalu dalam tentang dana dikala kalian pensiun. Hal ini ternyata bisa menjadi salah satu penghambat gagalnya rencana keuangan Anda.

Salah satu cara yang baik adalah dengan memikirkan dana pensiun sedini mungkin. Walaupun masih berjarak berpuluh-puluh tahun lagi, namun memikirkan dari sekarang tentang dana pensiun adalah hal yang bisa menguntungkan Anda kemudian hari.

Setiap orang tentu tidak akan tahu kapan kalian akan pensiun. Oleh karena itu persiapkanlah dari sekarang.

Bagaimana resep pencegahannya?

1. Kontrol diri

Pada akhirnya, kontrol dirilah yang menjadi hal yang terpenting dalam mengatur keuangan. Terutama bagi kalian yang masih memiliki gaji minim atau berkecukupan, cobalah untuk menghindari penggunaan uang berlebihan di hari pertama gajian.

2. Atur jadwal

Mulai lah untuk membuat jadwal penggunaan uang dengan teratur sehingga Anda tidak akan mendapatkan masalah lagi pada pertengahan bulan sampai akhir bulan.

Sumber : cermati.com

Ayo bagikan sebagai sedekah… 


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