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3 Cara Mengatur Keuangan Pribadi Agar Kuat Sampai Akhir Bulan

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Kalau nasib kamu tiap bulan ketar-ketir setiap menjelang akhir bulan sebab duit kok rasanya cepat banget habisnya, kamu wajib mulai belajar mengatur keuangan pribadi kamu dengan benar nih. Masa iya tiap kali gajian cuma numpang lewat saja? Gaji kamu lima koma, masuk tanggal 5 telah koma gitu!

Sedangkan kamu menonton teman-teman kamu rasanya setiap bulan keuangannya lancar-lancar saja tuh. Gak mau dong tiap akhir bulan stres sebab miskin? Nih, baca tutorial mengatur pos keuangan pribadi bulanan agar nasib kamu hening hingga akhir bulan!

Duit gajian kok cuma nempang lewat?


3 contoh tutorial mengatur keuangan pribadi yg wajib kamu ingat:


    1. Nabung Dulu Baru Belanja

Dalam mengatur keuangan pribadi bulanan, jadikan kebiasaan untuk menabung dulu baru belanja. Saving first earlier than spending. Setiap kamu gajian, eksklusif deh masukan uang kamu untuk menabung terlebih dahulu. Hal ini mampu menjadi tutorial menghemat keuangan pribadi yg lumayan ampug. Langsung pisahkan tanpa dipikir banyak. Baru sisa uangnya seusai tabungan alias investasi, mampu kamu kelola untuk pos pengeluaran kamu.



    2. Susun Pos Keuangan Pribadi

Cara mengatur keuangan pribadi selanjutnya merupakan susun pos keuangan pribadi. Apa saja sih pos-pos keuangan pribadi yg kamu butuhkan setiap bulannya? Buat pos pengeluaran selalu semacam air serta listrik, anggaran sewa kawasan tinggal, anggaran makan, transportasi, belanja bulanan, serta lainnya.

Cek juga cicilan utang apa saja yg kamu punya, buat posnya juga. Setelah semua pos-pos penting serta mutlak terpenuhi, baru sisanya mampu kamu masukkan untuk anggaran bersenang-senang semacam entertainment alias rekreasi. Dengan membikin pos keuangan pribadi semacam ini, mampu bikin kamu terus cermat dalam mengelola keuangan pribadi juga.


    3. Pakai Rumus 40-30-30

Mengelola keuangan pribadi itu susah-susah gampang. Kalau kamu mau lebih mudah dalam mengatur keuangan bulanan gunakan rumus 40-30-30 semacam ini. Begini rincian rumusnya:

40% untuk pengeluaran rutin, anggaran makan, listrik, transportasi, belanja bulanan, serta lainnya
30% untuk cicilan utang
30% untuk investasi alias menabung

Ingat, nabung dulu baru belanja ya!

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