Belajar tentang cara mengatur keuangan, tentu sudah sering ya. Tapi kali ini saya belajar tentang cara mengatur keuangan demi tercapainya mimpi. Hayo, siapa yang punya mimpi? Punya satu atau banyak mimpi nih?
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Cara Mengatur Keuangan Demi Tercapainya Mimpi |
Apa sih mimpi itu? Mimpi yang realistis itu misalnya mau jadi pengusaha kuliner, punya rumah dua lantai dengan kolam renang, punya mobil sport, dan lain-lain. Kita bebas saja punya satu atau lebih mimpi. Mimpi di sini maksudnya sesuatu keinginan yang direncanakan dan ingin dicapai. Jadi, tidak termasuk mimpi ingin jadi istri Lee Min Ho ya.
Nah, dalam acara talkshow "Show Me the Money: Smart Financial Moves to Achieves your Goals" yang diselenggarakan oleh Home Credit Indonesia, saya mendapatkan banyak masukan lagi dari pembicara ahli tentang cara mengatur keuangan demi tercapainya mimpi.
Acara ini termasuk rangkaian kampanye FUNancial untuk mengajak kawula muda agar cerdas mengatur keuangan dalam rangka mewujudkan segala Yang Kamu Mau. Acara dibuka oleh sambutan dari Freya, Home Credit Indonesia yang memaparkan itikad baik Home Credit dalam mengkampanyekan FUNancial ini karena masih banyak orang Indonesia yang belum bisa mengatur keuangan.
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Freya, Home Credit Indonesia |
Kedua pembicara tersebut adalah Dipa Andhika (Financial Planner) dan Riana Bismarak (founder belowcepek.com). Mereka sudah ahli mengatur keuangan sejak muda, sehingga di usia muda sudah punya usaha yang menjanjikan dan menggapai satu per satu mimpinya.
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Riana dan Dipa |
Apa sih Financial Goal menurut mereka? Menurut Dipa, Financial Goal itu merencanakan keuangan jauh-jauh hari untuk sesuatu yang kita rencanakan. Sedangkan menurut Riana, Financial Goalnya adalah jawaban dari pertanyaan apakah dia masih punya biaya hidup pada saat sedang tidak bekerja?
Kalau kondisi keuangan sudah mapan dan kita masih bisa hidup setelah tidak bekerja apa pun, artinya Financial Goal kita tercapai. Wuidih, saya sendiri masih harus bekerja nih. Kalau tidak bekerja, tidak ada pemasukan. Berarti belum tercapai ya Financial Goalnya.
Menurut Riana, mimpi kita harus satu dulu dan fokus untuk menggapainya. Nanti kalau yang satu itu sudah tercapai, baru deh berusaha mengggapai yang lain. Contohnya, mimpi Riana awalnya adalah punya mobil. Dia fokus mendapatkan mobil, sehingga di usia 28 sudah punya mobil.
Setelah punya mobil, dia mengganti mimpinya menjadi punya rumah dengan kolam renang. Dia benar-benar fokus mendapatkannya sehingga dia pun lagi-lagi berhasil. Jadi, ingat ya. Mimpi itu harus fokus. Jangan semua ingin dicapai dalam satu waktu. Kalau tidak fokus malah tidak ada yang tercapai.
Selanjutnya, Dika menjabarkan poin-poin penting sebelum merencanakan keuangan yaitu:
Catat Pemasukan dan Pengeluaran Sekecil Mungkin.
Wah, ini memang butuh kedisiplinan. Tapi kalau dipraktekkan, hasilnya bagus juga lho. Kita jadi tahu ke mana saja uang kita mengalir.
Lakukan Pemisahan antara Tabungan Pribadi, Keluarga, dan Perusahaan.
Nah, ini dia jangan sampai tercampur di antara kesemuanya ini apalagi kalau kita pakai tabungan dari tempat lain untuk bayar utang ke tempat lain. Misalnya, tabungan perusahaan untuk bayar utang pengeluaran keluarga. Wah, bisa bahaya nanti.
Waspadai Latte Factors
Apa sih itu? Latte Factors adalah pengeluaran kecil yang lama-lama menjadi besar karena kita anggap enteng. Misalnya, bayar tarif toilet, tarif parkir, dll. Kalau dikumpulkan, ya besar juga kan jumlahnya.
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Waspada Latte Factors |
Zaman sekarang kan sedang ngetren minuman Boba. Minuman berwarna-warni dengan bola-bola kenyal itu. Beli sekali sih nggak masalah ya. Kalau berkali-kali? Sehari sampai tiga kali pula. Bukan hanya tubuh membengkak karena kelebihan kalori ya, tapi dompet jadi cekak.
Riana sendiri untuk meminimalisir Latte Factors ini, dia tidak lagi membeli kopi di luar yang harganya bisa Rp 30.000-60.000 segelasnya. Dia memilih membeli mesin kopi sendiri beserta isinya. Ternyata bisa menghemat pengeluaran membeli kopi di luar.
Dipa memberikan pembagian pos-pos pengeluaran yang benar yaitu:
30% untuk Investasi
10% untuk Dana Darurat
10% Pribadi
50% Pengeluaran Rutin
Nah, kalau punya hobi, masuknya ke pribadi ya. Jadi, jangan banyak-banyak pengeluarannya. Tak masalah punya hobi, asal menghasilkan. Seperti kata Riana, mau membeli sesuatu asalkan bisa menunjang produktivitas ya tak masalah.
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Boleh beli apa pun Yang Kamu Mau |
Yang jadi masalah kalau pengeluaran kita hanya bersifat konsumtif dan tak menghasilkan. Mau membeli gadget canggih untuk menunjang pekerjaan? Ya tak masalah. Lain halnya beli gadget canggih hanya untuk stalking di media sosial.
Mimpi sama dengan rencana. Tak ada salahnya bermimpi asalkan kita bertekad mewujudkan mimpi tersebut. Tulis mimpi secara detil, jelas, dan spesifik. Lalu, berusaha untuk mewujudkannya. Semua mimpi itu membutuhkan pengorbanan. Jadi, pilihan ada di tangan kita. Beranikah mengorbankan sesuatu yang bukan mimpi kita untuk mewujudkan mimpi kita?
Selanjutnya, Dipa memaparkan agar kita jangan lupa sisihkan penghasilan untuk Dana Darurat. Jangan sampai saat terjadi sesuatu yang tidak ditanggung asuransi, kita keteteran dan akhirnya harus berutang. Dana Darurat ini jangan dipakai ya kecuali memang benar-benar dibutuhkan.
Nah, terakhir, jangan lupa investasi. Ada banyak pilihan investasi. Tinggal pilih. Bisa dengan tabungan biasa, reksadana, emas, atau deposito. Sebelum memilih investasi, kita bisa berkonsultasi dulu dengan orang yang lebih ahli agar disesuaikan dengan kemampuan.
Bila sudah berkeluarga, sebaiknya memiliki asuransi Jiwa terutama untuk kepala keluarga. Sehingga jika kepala keluarga yang mencari nafkah itu meninggal dunia, keluarga yang ditinggalkan bisa memiliki penghasilan sementara sampai kepala keluarga pengganti mendapatkan pekerjaan.
Alhamdulillah, materi dari acara ini benar-benar bermanfaat terutama untuk saya. Saya itu paling malas mencatat pengeluaran, apalagi yang kecil-kecil. Makanya sering menyalahkan Tuyul, kok uang di dompet cepat habis ya? Padahal, jangan-jangan karena sering mampir ke minimarket tapi tak terasa? Pernah merasakan hal yang sama, yuk cek-cek lagi arus kas keluar masuk uang kita demi tercapainya mimpi yang kita rencanakan.
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Kalau Dana Akhiratnya masuk kategori yang mana Kak? :-)
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