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Ini Dia Tips Agar Cinta Menabung!

menabung

Pernahkah kamu mengalami masa-masa dimana kamu suka menabung? Atau kamu selalu menghabiskan seluruh gaji tanpa sisa setiap bulannya? Menabung memang kebiasaan yang sulit untuk dilakukan. Padahal, hal tersebut memberikan banyak manfaat lho.

Kalau kamu ingin merasakan manfaat dari menabung, berikut ini Billie tunjukkan cara-cara untuk mengubah mindset kamu sehingga kamu jadi pribadi yang cinta menabung. Simak disini.

Buat tujuan menabung

Agar dapat mulai mencintai kegiatan ini. Kamu harus menentukan tujuan dari menabung atau saving itu sendiri. Misalnya, kamu ingin membeli mobil, wah tujuan yang besar bukan? Untuk mewujudkannya, kamu harus menentukan target kecil. Misalnya dalam jangka waktu enam bulan kamu harus mengumpulkan 10% dari dana yang dibutuhkan, sehingga dalam setahun sudah bisa terkumpul untuk membayar biaya DP atau uang muka. Hal ini dapat memotivasi kamu untuk menyimpan uang. Kamu bisa menaruh notes di handphone atau sticky notes di dinding kamar sebagai pengingat.

Ingat-ingat tagihan

Banyak orang yang tidak melakukan perencanaan keuangan tertulis tiap bulan tapi ternyata bisa mengelola keuangan mereka dengan baik. Kenapa bisa begitu? Karena sejak awal mereka sudah tahu alokasi anggaran utamanya. Bagaimana caranya? Saat mendapatkan gaji, utamakan untuk membayar tagihan-tagihan bulanan seperti biaya sewa rumah, kost atau apartemen, biaya listrik, pulsa handphone, pajak, cicilan, dan belanja kebutuhan lainnya. Setelah itu, jadikan menabung sebagai prioritas kedua.

Baca juga: Cara Mengurangi Kebiasaan Buruk yang Membuat Pengeluaran Membengkak!

Hindari pemborosan

Menghabiskan uang untuk kesenangan bersama teman-teman memang hal yang sangat menyenangkan. Namun, semua kegiatan tersebut sudah pasti memakan uang yang cukup banyak. Nah, bila tidak ingin semua uang bulanan habis untuk melakukan itu semua. Mulai sekarang, mulailah mengurangi biaya untuk kehidupaan sosial kamu. Lakukan hal-hal yang seru dan murah. Misalnya, di akhir pekan, kamu bisa menghabiskan waktu dengan teman-teman terdekat dengan berkumpul bersama sambil memasak makan malam.

Cari tambahan penghasilan

Beberapa orang menabung karena sayang menghabiskan uang hasil keringatnya. Nah, mindset ini dapat menjadi salah satu cara agar kamu cinta menabung. Ingatlah bahwa uang hasil keringatmu yang terbuang sia-sia tidak akan pernah bermanfaat. Jika merasa belum bekerja keras, kamu bisa mencari pekerjaan tambahan agar lebih mencintai uang hasil kerjamu. Manfaatnya, uang tambahan itu bisa disimpan sehingga jumlah tabungan semakin banyak. Selain itu, waktu kosong kamu yang digunakan juga meminimalisir penggunaan uang yang sia-sia.

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