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4 kesalahan terbesar pasangan soal uang - Peluang Bisnis | Peluang Usaha | Informasi Bisnis Indonesia
December 4 2020
  • 1

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4 kesalahan terbesar pasangan soal uang

By admin - Fri Dec 23, 3:41 pm

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4 kesalahan terbesar pasangan soal uang biasanya sering terjadi dan dianggap normal. 4 kesalahan terbesar pasangan soal uang juga lah yang biasanya menjadi sumber pertengkaran, bahkan penyebab renggangnya suatu hubungan. Masalah keuangan dalam suatu hubungan berpasangan biasanya dipicu oleh sejumlah keadaan, bahkan perbedaan kepribadian. Sebagai contoh, pribadi hemat yang menikah dengan individu boros atau pribadi yang selalu khawatir soal uang menikah dengan si cuek yang tak suka atau bahkan enggan memikirkan membicarakan keuangan.

4 kesalahan ini sering sekali terjadi pada beberapa pasangan dan sulit untuk dihindari. Kesalahan yang pertama adalah tidak mau membicarakan soal uang. Sikap menunda komunikasi menimbulkan banyak masalah, termasuk soal uang. Percakapan mengenai uang menjadi lebih minim atau bahkan semakin jauh dari hubungan.

Solusi: Jika Anda berencana menikah, sebaiknya sebelum tinggal bersama dan mencampurkan semua pengeluaran, biasakan untuk mendiskusikan beberapa hal krusial soal keuangan. Sebagai contoh, berapa banyak utang dari setiap individu. Dengan demikian, saat nanti menikah, Anda dan dia akan lebih mudah mengaturnya. Pembicaraan mengenai keuangan sebelum menikah juga meliputi kebiasaan masa lalu setiap individu dalam mengatur uang.

4 kesalahan terbesar pasangan soal uang seharusnya dibicarakan juga mengenai pembagian pembayaran kebutuhan rumah tangga. Bagi presentasi pembayaran dari pengeluaran rutin bulanan. Anda dan pasangan juga perlu menentukan apakah perlu membuka rekening bersama atau cukup dengan rekening masing-masing. Berbicara mengenai keuangan perlu dijadikan kebiasaan berkala oleh pasangan. Duduk bersama di satu meja untuk mengatur dan merencanakan keuangan bersama penting dilakukan. Anda dan pasangan perlu membuat rencana keuangan jangka pendek, menengah, dan panjang.

Kesalahan ke dua adalah menyimpan uang di tempat rahasia. Anda atau pasangan punya kebiasaan ini? Menyimpan uang diam-diam di tempat rahasia atau merahasiakan barang baru yang Anda beli dari pasangan? Solusi: Sebenarnya Anda tak perlu merahasiakan apa pun dari pasangan, apalagi orang yang Anda pilih sebagai istri atau suami. Solusinya, jangan pernah mencampurkan pendapatan Anda dan pasangan. Berikan kebebasan kepada pasangan untuk membelanjakan uangnya sendiri. Menggabungkan uang hanya diperlukan pasangan saat harus membayar pengeluaran rutin rumah tangga. Karena itu, buatlah daftar pengeluaran yang harus dibayarkan berdua dengan pasangan dan pisahkan kebutuhan belanja personal untuk dibayarkan setiap individu.

4 kesalahan terbesar pasangan soal uang yang ketiga adalah tak punya anggaran. Tak adanya anggaran dalam rumah tangga justru menimbulkan masalah keuangan. Solusinya: Buat anggaran keuangan atau belanja yang disepakati pasangan. Anggaran ini justru membantu pasangan untuk membayar utang atau justru menghindari utang. Utang merupakan salah satu sumber pertengkaran soal uang pada pasangan. Dengan adanya anggaran, pasangan bisa merencanakan membeli mobil, rumah, atau bahkan memiliki anak lagi dan menyiapkan pensiun. Pasangan menikah juga perlu menganggarkan uang untuk dana darurat keluarga.

Kesalahan ke empat adalah tak merasa perlu menyiapkan warisan. Anda dan pasangan perlu menyiapkan berbagai kondisi terkait dengan keuangan. Soal asuransi jiwa, misalnya, tentukan bersama pasangan mengenai siapa yang akan menerima manfaatnya. Jika tidak, uang yang telah Anda persiapkan jatuh ke tangan yang seharusnya tak tepat menerima manfaat jika Anda atau pasangan meninggal, misalnya. Anda dan pasangan perlu membicarakan harapan pada masa mendatang jika terjadi sesuatu terhadap Anda atau pasangan. Uang yang telah Anda kumpulkan, baik dari asuransi maupun dana pensiun, ingin dikelola oleh siapa dan untuk kepentingan apa. Topik ini harus segera Anda bicarakan dengan pasangan sebagai langkah antisipasi.

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