Awal dari Penyakit Keuangan

Yuk bagikan infonya...

Ilustrasi/Google
Ilustrasi/Google

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.

Sumber : detik.com

Ayo bagikan sebagai sedekah…


Yuk bagikan infonya...

About Auther:

Info Biografi

148 thoughts on “Awal dari Penyakit Keuangan

  1. I really love your blog.. Very nice colors & theme. Did you create this site yourself? Please reply back as Iím hoping to create my own site and would like to learn where you got this from or what the theme is named. Thanks!

  2. Iím amazed, I must say. Seldom do I encounter a blog thatís equally educative and interesting, and without a doubt, you have hit the nail on the head. The problem is something not enough folks are speaking intelligently about. I am very happy I came across this during my search for something relating to this.

  3. A motivating discussion is definitely worth comment. I believe that you ought to publish more about this issue, it might not be a taboo matter but usually folks don’t discuss these issues. To the next! Many thanks!!

  4. Oh my goodness! Awesome article dude! Thank you, However I am having issues with your RSS. I donít understand the reason why I can’t subscribe to it. Is there anybody getting similar RSS issues? Anyone that knows the answer can you kindly respond? Thanx!!

  5. You are so cool! I don’t suppose I’ve read anything like that before. So great to find somebody with some genuine thoughts on this topic. Seriously.. thank you for starting this up. This web site is one thing that is required on the internet, someone with a bit of originality!

  6. Hi, I do think this is an excellent blog. I stumbledupon it 😉 I may return yet again since i have saved as a favorite it. Money and freedom is the best way to change, may you be rich and continue to help others.

  7. An outstanding share! I have just forwarded this onto a friend who had been conducting a little research on this. And he in fact ordered me lunch simply because I discovered it for him… lol. So allow me to reword this…. Thanks for the meal!! But yeah, thanx for spending time to talk about this subject here on your blog.

  8. I’m very pleased to discover this site. I wanted to thank you for ones time just for this fantastic read!! I definitely appreciated every part of it and I have you bookmarked to look at new information in your web site.

  9. An outstanding share! I’ve just forwarded this onto a friend who was conducting a little research on this. And he in fact ordered me breakfast simply because I stumbled upon it for him… lol. So allow me to reword this…. Thank YOU for the meal!! But yeah, thanks for spending some time to discuss this topic here on your internet site.

  10. Hello there! This post couldnít be written any better! Reading through this post reminds me of my previous roommate! He continually kept preaching about this. I am going to forward this post to him. Fairly certain he’ll have a good read. Thanks for sharing!

  11. Aw, this was a very good post. Finding the time and actual effort to generate a superb articleÖ but what can I sayÖ I procrastinate a lot and never manage to get nearly anything done.

  12. Does your site Have got a Get hold of web page? I’m possessing challenges locating it but, I’d wish to shoot you an electronic mail. I’ve obtained some recommendations for your site you might have an interest in Listening to.

  13. Thanks for the sensible critique. Me and my neighbor were just preparing to do a little research about this. We got a grab a book from our local library but I think I learned more from this post. I am very glad to see such wonderful information being shared freely out there.

  14. After looking over a few of the articles on your website, I seriously like your way of blogging. I book marked it to my bookmark webpage list and will be checking back in the near future. Please visit my web site too and tell me your opinion.

  15. Hello there, just became aware of your blog through Google, and found that it is really informative. I am gonna watch out for brussels. I’ll be grateful if you continue this in future. Numerous people will be benefited from your writing. Cheers!

  16. Your style is very unique in comparison to other folks I’ve read stuff from. Many thanks for posting when you’ve got the opportunity, Guess I will just book mark this site.

  17. Hi there! This post could not be written much better! Looking at this article reminds me of my previous roommate! He always kept talking about this. I am going to send this post to him. Pretty sure he will have a good read. Many thanks for sharing!

  18. A fascinating discussion is worth comment. I believe that you need to write more about this subject, it might not be a taboo matter but generally people do not talk about these issues. To the next! Kind regards!!

  19. After I initially left a comment I appear to have clicked on the -Notify me when new comments are added- checkbox and now each time a comment is added I get four emails with the same comment. Perhaps there is a way you are able to remove me from that service? Many thanks!

  20. Aw, this was an incredibly nice post. Spending some time and actual effort to generate a good articleÖ but what can I sayÖ I put things off a whole lot and don’t seem to get nearly anything done.

  21. Nice post. I learn something new and challenging on sites I stumbleupon everyday. It’s always exciting to read articles from other authors and use a little something from their websites.

  22. A fascinating discussion is worth comment. I think that you need to publish more on this subject, it might not be a taboo matter but usually people do not speak about these subjects. To the next! Many thanks!!

  23. Oh my goodness! Impressive article dude! Thank you, However I am experiencing difficulties with your RSS. I donít know the reason why I can’t subscribe to it. Is there anybody else getting similar RSS issues? Anyone who knows the solution will you kindly respond? Thanx!!

  24. Ping-balik: cialis 10
  25. Hi, I do believe this is an excellent site. I stumbledupon it 😉 I’m going to return yet again since i have book marked it. Money and freedom is the best way to change, may you be rich and continue to guide other people.

  26. I really love your site.. Pleasant colors & theme. Did you build this web site yourself? Please reply back as Iím attempting to create my own personal blog and want to learn where you got this from or what the theme is called. Thank you!

  27. After looking into a handful of the blog posts on your website, I really like your technique of writing a blog. I book-marked it to my bookmark website list and will be checking back in the near future. Take a look at my web site as well and let me know what you think.

  28. An outstanding share! I’ve just forwarded this onto a coworker who has been conducting a little homework on this. And he in fact bought me dinner due to the fact that I stumbled upon it for him… lol. So let me reword this…. Thank YOU for the meal!! But yeah, thanx for spending time to discuss this issue here on your website.

  29. After going over a handful of the blog articles on your website, I really appreciate your way of blogging. I saved it to my bookmark site list and will be checking back soon. Please check out my web site too and let me know what you think.

  30. Nice post. I learn something new and challenging on blogs I stumbleupon every day. It’s always helpful to read articles from other writers and practice something from other websites.

  31. Aw, this was an exceptionally good post. Taking the time and actual effort to make a really good articleÖ but what can I sayÖ I hesitate a lot and never seem to get anything done.

  32. After checking out a number of the articles on your web site, I seriously appreciate your way of writing a blog. I book marked it to my bookmark webpage list and will be checking back soon. Please visit my website too and let me know what you think.

  33. After looking over a few of the blog posts on your site, I really like your way of writing a blog. I saved as a favorite it to my bookmark site list and will be checking back soon. Take a look at my web site as well and let me know what you think.

  34. Next time I read a blog, Hopefully it doesn’t disappoint me just as much as this particular one. I mean, Yes, it was my choice to read, nonetheless I truly thought you would probably have something interesting to say. All I hear is a bunch of crying about something you could possibly fix if you weren’t too busy searching for attention.

  35. Nice post. I learn something totally new and challenging on sites I stumbleupon everyday. It’s always helpful to read through content from other writers and practice something from their web sites.

  36. Your very have dedication to receiving the information throughout came being instead impressive and also have constantly enabled personnel just like me to reach at their wanted targets.

  37. I really love your website.. Very nice colors & theme. Did you develop this website yourself? Please reply back as Iím attempting to create my own personal website and want to know where you got this from or exactly what the theme is named. Many thanks!

  38. Iím impressed, I must say. Seldom do I encounter a blog thatís both educative and entertaining, and without a doubt, you’ve hit the nail on the head. The problem is something too few men and women are speaking intelligently about. I’m very happy I found this during my search for something regarding this.

  39. Aw, this was a very good post. Taking a few minutes and actual effort to make a superb articleÖ but what can I sayÖ I put things off a lot and never seem to get anything done.

  40. When I initially commented I seem to have clicked the -Notify me when new comments are added- checkbox and now each time a comment is added I recieve four emails with the exact same comment. Is there a means you are able to remove me from that service? Thanks a lot!

  41. Citizen has an extensive collection of watches, mainly concentrating on sports and pilot watches. They are separated into five groups (Diving, Pilot, Performance, Ladies, Exec) which we’ll take a better look at below. Among Citizen Nighthawk most recent models is the Argonautic Bronze TT, which is restricted to only 300 pieces. The creation of this watch adheres to the success of the previous year’s Citizen Nighthawk bronze design, which sold out rapidly.

  42. I would like to thank you for the efforts you’ve put in writing this website. I am hoping to check out the same high-grade content from you later on as well. In fact, your creative writing abilities has motivated me to get my very own site now 😉

  43. Oh my goodness! Awesome article dude! Thank you, However I am encountering problems with your RSS. I donít know the reason why I am unable to join it. Is there anybody else having identical RSS problems? Anybody who knows the solution can you kindly respond? Thanx!!

  44. Greetings, There’s no doubt that your website might be having internet browser compatibility problems. Whenever I take a look at your blog in Safari, it looks fine however, if opening in IE, it’s got some overlapping issues. I simply wanted to give you a quick heads up! Apart from that, fantastic site!

  45. Good post. I learn something totally new and challenging on sites I stumbleupon on a daily basis. It’s always exciting to read through content from other authors and use a little something from other web sites.

  46. Hello there! This blog post could not be written any better! Looking at this article reminds me of my previous roommate! He constantly kept talking about this. I will send this post to him. Fairly certain he will have a good read. Many thanks for sharing!

  47. Good day! I could have sworn Iíve been to this web site before but after browsing through a few of the posts I realized itís new to me. Anyways, Iím definitely delighted I stumbled upon it and Iíll be book-marking it and checking back frequently!

  48. When I initially left a comment I appear to have clicked the -Notify me when new comments are added- checkbox and from now on each time a comment is added I recieve four emails with the exact same comment. Is there a means you can remove me from that service? Thanks!

  49. Your style is really unique compared to other people I have read stuff from. Many thanks for posting when you have the opportunity, Guess I’ll just bookmark this web site.

  50. Hi there! This article couldnít be written much better! Looking through this article reminds me of my previous roommate! He constantly kept talking about this. I will send this post to him. Pretty sure he’ll have a very good read. Many thanks for sharing!

  51. You have made some really good points there. I looked on the net to find out more about the issue and found most individuals will go along with your views on this site.

  52. Hi there! I just wanted to ask if you ever have any problems with hackers? My last blog (wordpress) was hacked and I ended up losing many months of hard work due to no backup. Do you have any methods to stop hackers?

  53. Hi there, I do believe your site might be having browser compatibility problems. Whenever I look at your website in Safari, it looks fine however, when opening in IE, it’s got some overlapping issues. I just wanted to give you a quick heads up! Apart from that, great site!

  54. An impressive share! I have just forwarded this onto a co-worker who had been doing a little homework on this. And he in fact bought me breakfast due to the fact that I stumbled upon it for him… lol. So let me reword this…. Thanks for the meal!! But yeah, thanx for spending time to talk about this issue here on your site.

  55. Hi there! This post could not be written any better! Looking through this article reminds me of my previous roommate! He always kept talking about this. I most certainly will forward this article to him. Fairly certain he will have a great read. Thank you for sharing!

  56. I have to thank you for the efforts you’ve put in penning this website. I’m hoping to see the same high-grade blog posts from you later on as well. In fact, your creative writing abilities has motivated me to get my own, personal site now 😉

  57. When I originally commented I appear to have clicked the -Notify me when new comments are added- checkbox and from now on each time a comment is added I receive 4 emails with the same comment. Perhaps there is an easy method you are able to remove me from that service? Many thanks!

  58. Good post. I learn something new and challenging on blogs I stumbleupon every day. It’s always exciting to read articles from other authors and practice a little something from other websites.

  59. An intriguing discussion is worth comment. I think that you ought to write more on this issue, it may not be a taboo subject but typically people don’t discuss such topics. To the next! Cheers!!

  60. I seriously love your blog.. Very nice colors & theme. Did you create this web site yourself? Please reply back as Iím looking to create my own site and want to find out where you got this from or exactly what the theme is called. Many thanks!

  61. You’re so awesome! I do not think I’ve read something like that before.
    So good to find another person with genuine thoughts on this topic.

    Seriously.. thank you for starting this up. This site is
    one thing that is required on the web, someone with some originality!

  62. I’ll immediately grab your rss as I can’t find your e-mail subscription link or newsletter service. Do you have any? Kindly let me know so that I could subscribe. Thanks.

  63. When I initially left a comment I appear to have clicked the -Notify me when new comments are added- checkbox and now whenever a comment is added I recieve four emails with the same comment. There has to be a way you are able to remove me from that service? Kudos!

  64. After I initially left a comment I seem to have clicked on the -Notify me when new comments are added- checkbox and now every time a comment is added I recieve four emails with the exact same comment. There has to be a means you are able to remove me from that service? Many thanks!

  65. Ping-balik: canadian cialis
  66. After I initially commented I appear to have clicked the -Notify me when new comments are added- checkbox and now whenever a comment is added I get four emails with the exact same comment. Perhaps there is an easy method you can remove me from that service? Kudos!

  67. I’m really enjoying the design and layout of your blog.
    It’s a very easy on the eyes which makes it much more enjoyable for me to come here and visit
    more often. Did you hire out a developer to create
    your theme? Exceptional work!

  68. Howdy, I think your web site may be having internet browser compatibility issues. When I look at your website in Safari, it looks fine however, if opening in IE, it has some overlapping issues. I simply wanted to provide you with a quick heads up! Aside from that, fantastic blog!

Tinggalkan Balasan

Alamat email Anda tidak akan dipublikasikan.

Kuliah Gratis, Lulus Jadi PNS, Perwira TNI/POLRI...
Hello. Add your message here.