Layaknya badan, keuangan pribadi juga memiliki kesehatan yang dapat dicek oleh diri sendiri maupun konsultan perencana keuangan yang kompeten dan independen. Seperti kata pepatah, hidup berputar seperti roda. Kadang kita berada di atas, kadang di bawah.
Namun dari beberapa pengalaman saya, umumnya penyakit keuangan muncul dari diri sendiri. Dalam mengatasi keuangan yang sudah terlanjur sakit, semua harus diawali dari mengakui kesalahan diri sendiri, lalu memaksa menempatkan atau mengubah diri pada kondisi di mana anda tidak bisa mengulangi kesalahan yang sama. Apabila setelah anda kembali sehat anda tidak mau berubah atau mengakui kesalahan anda, maka anda pasti akan jatuh ke lubang yang sama. Berikut beberapa penyebab awal penyakit keuangan yang umumnya terjadi.
Gaya Hidup
Berapa pun penghasilan bulanan anda, anda tidak akan merasa cukup. Hal ini dikarenakan gaya hidup mengikuti kenaikan penghasilan anda. Fenomena ini disebut dengan hedonic treadmill. Dengan gaji tiga juta perbulan, mungkin anda mengambil kredit motor dan ngopi di warung kopi pinggir jalan. Lalu ketika naik menjadi lima juta per bulan, anda mengambil kredit motor yang kedua. Lalu naik lagi menjadi sepuluh juta per bulan, anda mengambil kredit mobil dan ngopi di coffee shop. Nafsu manusia yang tidak ada habisnyalah yang menjadi awal dari penyakit keuangan.
Apakah salah menaikkan gaya hidup sejalan dengan kenaikan penghasilan? Sebenarnya tidak salah-salah amat. Hanya saja biasanya kenaikan gaya hidup lebih tinggi dibanding kenaikan penghasilan.
Jika anda memang ingin menaikkan gaya hidup, cobalah membuat anggaran terlebih dahulu khusus untuk gaya hidup anda. Jangan paksakan menjalani gaya hidup yang ternyata lebih tinggi dari penghasilan anda. Karena ini adalah awal dari sifat yang terakhir akan dibahas.
Tuhan sudah menjamin rezeki manusia
Buat beberapa dari anda mungkin berpikir saya sekuler setelah membaca poin yang ini. Atau menganggap saya tidak percaya sama Tuhan. Tentu saja tidak. Justru poin ini lah yang membuat banyak orang jauh dari Tuhan. Kok bisa?
Yang pertama harus anda sadari adalah Tuhan hanya menjamin rezeki, tetapi tidak menjamin kebutuhan anda pasti tercukupi. Poin ini biasanya menjadi tameng banyak orang untuk berperilaku konsumtif atau jor-joran dalam menghabiskan rejeki yang diberikan Tuhan.
Padahal Tuhan sendiri menguji umat-Nya dalam kesusahan dalam hal harta. Untuk muslim, Allah berfirman dalam Al Quran surat Al Baqarah bahwa manusia pasti diuji dalam kekurangan kebutuhan, baik harta, pangan, mau pun jiwa. Yang harusnya anda lakukan adalah mencukupkan rejeki yang diberikan Tuhan untuk memenuhi kebutuhan anda, bukannya berperilaku konsumtif lalu jika terjadi kekurangan harta karena perilaku tersebut, maka Tuhan pasti membantu.
Ubahlah diri anda dari berperilaku konsumtif karena mindset ini menjadi pribadi yang mencukupkan rezeki yang diberikan Tuhan untuk seluruh kebutuhan anda. Jika memang ada kebutuhan anda yang tidak dapat tercukupi oleh rezeki yang anda dapat, maka anda memang sedang diuji untuk mengorbankan kebutuhan yang kurang dibutuhkan untuk memenuhi kebutuhan yang lebih urgent.
Tidak mau menyusahkan anak
Banyak juga orang tua yang awalnya kondisi keuangannya sehat lalu berubah menjadi tidak sehat karena suatu musibah, anak tidak diberi pengertian tentang kondisi keuangan yang sebenarnya. Anak terus dimanja seakan-akan tidak ada masalah pada keuangan anda. Ini juga banyak terjadi sehingga banyak yang terjebak oleh penyakit keuangan. Padahal memberikan pemahaman atas kondisi keuangan orang tua adalah salah satu bentuk pendidikan keuangan untuk anak anda sendiri.
Bisa juga hal ini terjadi ketika anak akan masuk kuliah. Umumnya banyak orang tua yang tidak menyiapkan dana pendidikan anak terlebih dahulu. Padahal jika dana pendidikan disiapkan sejak anak masih kecil, anda tidak perlu terjebak penyakit keuangan. Mindset yang melatarbelakangi dimulainya kondisi ini adalah anak punya rezekinya masing-masing. Padahal faktanya berkata sebaliknya. Pada tahun 2014, anak Indonesia yang menikmati bangku kuliah hanya 3 dari 10 anak.
Akuilah bahwa anak adalah sebuah amanah, maka anda harus mengusahakan rezeki anak dulu sebelum berserah diri kepada Tuhan. Tidak mungkin bukan anda menginginkan penghasilan yang besar tanpa bekerja terlebih dahulu hanya dengan meminta kepada Tuhan saja? Hal yang sama juga berlaku pada rezeki anak anda.
Mudah berutang konsumtif
Ada pengeluaran, pasti harus selalu diikuti dengan pemasukan yang sepadan. Apabila pemasukan lebih kecil dari pengeluaran, sedangkan anda tidak mau mengurangi pengeluaran, maka jalan keluarnya adalah berutang. Penyakit keuangan yang berasal dari diri sendiri biasanya muncul dari utang konsumtif. Tiga poin sebelumnya adalah awal dimana orang-orang mulai mudah berutang konsumtif. Utang konsumtif ini lah yang nantinya menjadi penyakit keuangan yang menggerogoti tidak hanya kondisi keuangan keluarga, namun juga hubungan keluarga dan kinerja anda dalam bekerja.
Lalu apa yang bisa anda lakukan? Ubahlah mindset dan perilaku anda jika anda merasa tiga poin sebelumnya ada pada diri anda sebelum penyakit keuangan anda benar-benar parah. Memang penyakit keuangan tidak selalu muncul dari utang konsumtif. Namun setidaknya anda bisa mencegah penyakit keuangan yang asalnya dari diri anda sendiri.
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