4 Strategi Keuangan Jelang Umur 30 Tahun

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4 Strategi Keuangan Jelang Umur 30 Tahun

Usia 30 tahun sudah tergolong sebagai usia di mana Anda sudah dituntut untuk berkeluarga, memiliki penghasilan tetap dan mapan secara finansial. Usia 30 merupakan usia yang cukup dewasa untuk mapan secara finansial. Tentunya tidak mudah untuk mencapai hal tersebut terutama apabila tidak mempunyai tujuan yang dan cara yang tepat. Berikut adalah beberapa hal yang harus dipersiapkan menjelang umur 30 tahun:

Mandiri secara finansial
Ini berarti harus memiliki rencana keuangan yang telah tersusun dengan baik serta pendapatan yang mapan dan pekerjaan yang stabil. Pada umur 30 tahun, Anda akan menghadapi perubahan besar di dalam hidup seperti menikah, berumah tangga, memiliki keturunan dan tentunya seluruh perubahan ini membutuhkan biaya yang cukup besar.

Mandiri secara finansial dapat diraih dengan meningkatkan kualitas diri. Misalnya dengan terus menambah keahlian yang dibutuhkan demi kemajuan karier. Harus diingat bahwa pendapatan yang akan diperoleh di masa depan sangat dipengaruhi oleh kualitas diri di masa sekarang. Untuk mandiri secara finansial, harus berani berinvestasi pada diri sendiri.

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Memiliki rincian pengeluaran
Rincian pengeluaran adalah salah satu hal yang harus dimiliki sebelum usia 30 tahun, agar nantinya ketika kebutuhan makin bertambah tidak akan kewalahan mengaturnya. Mulailah dari menyimpan struk belanjaan, pengeluaran konsumsi atau transportasi setiap harinya. Milikilah buku yang dikhususkan untuk mencatat pengeluaran-pengeluaran tersebut.

Rincian pengeluaran juga dapat membantu melakukan perencanaan keuangan. Perencanaan keuangan ini dapat berupa investasi di masa depan atau simpanan. Dengan memiliki tujuan finansial, Anda akan lebih termotivasi dan dituntut untuk mengembangkan rencana guna mencapai tujuan tersebut.

Tujuan tersebut juga harus ditentukan dengan batas waktu, misalnya saja berencana untuk melunasi biaya pernikahan. Jika memberikan batas waktu, misalnya dalam 2 bulan mendatang akan mempunyai kemungkinan yang lebih besar untuk mencapai tujuan tersebut dibandingkan tujuan tanpa waktu yang jelas.

Pos dana darurat
Pos dana darurat sangat penting karena dana tersebut akan dibutuhkan jika terjadi keperluan mendesak. Mempersiapkan pos dana darurat juga membantu untuk lebih tenang memasuki usia 30 tahun. Salah satu caranya adalah dengan mendaftarkan diri pada asuransi, yang dapat melindungi diri dari segala risiko finansial. Pilihlah asuransi sesuai dengan kebutuhan.

Jika kesulitan menyisihkan uang untuk pos dana darurat, ini berarti Anda menghabiskan lebih dari yang didapatkan. Hentikanlah kebiasaan belanja boros. Anda harus mengetahui dengan jelas alokasi penghasilan yang didapat tiap bulannya. Kemudian, bedakanlah yang mana kebutuhan dan keinginan. Jika terbiasa untuk menghabiskan uang secara berlebihan pada gaya hidup mewah, mulailah mengalokasikan dana tersebut untuk membayar utang, menabung dan untuk pos dana darurat.

Pos dana pensiun
Memasuki umur 30 tahun, berarti sudah lebih dekat masa pensiun (usia 55 tahun atau 60 tahun). Anda dapat mulai mempersiapkan dana pensiun dengan cara menyisihkan sebagian pendapatan. Tabungan tersebut kemudian dapat digunakan untuk investasi agar tidak termakan oleh inflasi. Investasi yang dapat dipilih dapat berupa investasi emas, obligasi, saham, reksa dana atau properti. Tetapi sebisa mungkin, anda menyesuaikan pilihan investasi dengan jangka waktu investasi.

Jika merupakan lulusan muda, rencana pensiun seharusnya menjadi hal terakhir yang ada di dalam benak. Tidak ada salahnya jika ingin menabung, hanya saja, tabungan tersebut sebaiknya digunakan untuk investasi dan memperoleh pengalaman finansial yang lebih banyak. Walaupun begitu, jika mulai mempersiapkan dana pensiun dari sekarang, uang yang perlu disisihkan setiap bulannya akan menjadi lebih ringan.

Mulailah sejak dini
Bertanggung jawab secara finansial sudah seharusnya dilatih sejak dini, bukan hanya menjelang usia 30 tahun. Jika memang baru lulus universitas, merencanakan masa depan juga tidak ada salahnya. Memiliki masa depan yang aman dapat dimulai dari kapan saja, lebih cepat pastinya akan lebih baik. (republika)

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