Cari tahu ke mana uangmu lari
Sebagian besar orang kurang memperhatikan ke mana uang mereka berakhir atau dibelanjakan. Terutama pada barang-barang kecil dengan harga murah. Meski kelihatannya remeh, tetapi kalau menjadi kebiasaan maka jumlah harganya bisa jadi lebih besar dari yang diperkirakan.
Dengan mencari tahu apa saja dan berapa yang kita habiskan, kita bisa mengevaluasi kebiasaan kita. Apakah kebiasaan kita baik atau buruk untuk kesehatan finansial kita dan apa saja yang harus diperbaiki ke depannya. Lalu bagaimana cara untuk memperbaikinya?
U.S Bank memberikan rekomendasi tips yang bisa kita lakukan untuk mencari tahu kemana uang kita pergi dan memperbaikinya di tahun depan:
- Lihat semua pengeluaranmu jika ada, bisa riwayat belanja di e-commerce ataupun nota belanjamu. Dengan begitu kita jadi tahu apa saja yang sudah kita belanjakan.
- Buat tujuan jangka pendek hingga jangka panjang untuk keuangan kita setelah mengevaluasi dan memperbaiki kebiasaan boros yang kita lakukan.
- Buat rencana keuangan untuk tujuan-tujuan yang sudah dibuat dengan realistis berdasar riwayat pengeluaranmu yang sudah dievaluasi dan diperbaiki.
- Jangan lupa untuk stick to the rules!
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