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Agar godaan diskon tak merusak keuangan - Peluang Bisnis | Peluang Usaha | Informasi Bisnis Indonesia
December 4 2020
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Agar godaan diskon tak merusak keuangan

By admin - Fri Dec 23, 3:35 pm

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Agar godaan diskon tak merusak keuangan seorang lajang, perlu persiapan dan perencanaan matang. Agar godaan diskon tak merusak keuangan, kewaspadaan perlu dimiliki. Lajang, mempunyai karir dan penghasilan yang terus tumbuh, mandiri dan berdaya secara financial membuat perempuan dapat melakukan apa saja yang disukainya. Inilah perlunya kewaspadaan dan perencanaan, terutama waspada terhadap godaan. Selain itu, perencanaan keuangan berfungsi untuk menahan godaan diskon belanja yang dapat merusak tatanan keuangan.

Biasanya, perempuan lajang berumur sekitar 24 tahun telah mempunyai target dan keinginan untuk menikah dan membangun keluarga dalam beberapa tahun ke depan. Pengeluaran yang sudah direncanakan kerap kali berhubungan dengan pernikahan, bulan madu, dan membeli rumah sendiri. Untuk mewujudkan target dan tujuan tersebut, tentu saja perempuan sudah menyiapkan tabungan dan investasi. Tetapi meskipun perencanaan sudah ditetapkan, terkadang godaan untuk berbelanja selalu goyah karena diskon belanja bertebaran dimana-mana.

Agar godaan diskon tak merusak keuangan tidak hanya cukup dengan menabung. Kebanyakan orang hanya memahami bahwa menabungpenting untuk mencapai tujuan keuangan pribadi. Namun, gaya hidup yang berlebihan dan tidak sesuai dengan kemampuan. Hal ini seringkali merusak perencanaan keuangan dan menghambat seseorang dalam mencapai tujuan finasialnya. Pada kondisi seperti di atas, perempuan yang sedang meniti karier dan berencana membangun keluarga baru, ada tiga kebutuhan utama yang harus dipenuhinya. Yakni, kualitas hidup, biaya pendidikan anak kelak dan mencicil rumah.

Perlu dipahami bahwa biaya hidup dan kebutuhan keuangan di masa mendatang, terutama setelah menikah, semakin tinggi dan terus meningkat. Menabung untuk masa depan perlu menjadi prioritas, terutama bagi perempuan dengan kondisi keuangan dan tujuan finansial seperti simulasi di atas. Menggunakan uang untuk menabung perlu menjadi prioritas utama, dibandingkan untuk meningkatkan gaya hidup. Inilah tantangan yang sebenarnya perlu dihadapi oleh seorang lajang. Cara praktisnya, saat menerima gaji bulanan, segera menabung di awal untuk menghindarikan diri dari berbelanja yang tak dibutuhkan apalagi karena mengejar diskon belanja.

Agar godaan diskon tak merusak keuangan bagi seorang lajang akan lebih mudah jika ada pasangan atau keluarga yang menjadi pengingat. Karena pemikiran seperti, "Belanja mumpung diskon" perlu segera dihapus. Kembali kepada tujuan finansial, dan fokus menambah tabungan, dapat menjadi cara jitu untuk melawan godaan belanja diskon, yang sekadar untuk memenuhi gaya hidup.

Untuk memuluskan program belanja hemat, anda harus memulai dengan selalu membandingkan harga yang ada di beberapa supermarket. Dengan harga yang semakin lama semakin mahal, Anda harus semakin cermat dalam berbelanja. Untuk beberapa produk yang memang harganya cukup mahal, jangan malas untuk membandingkan antara supermarket satu dengan yang lain. Misalnya saja untuk produk susu dan pampers bayi. Terkadang ada perbedaan harga yang cukup lumayan di antara supermarket tersebut. Selain itu, beberapa barang kini tersedia mulai dari kemasan terkecil hingga paling besar. Tanpa sadar, Anda kerap berpikir, barang yang sudah dikemas dalam ukuran lebih besar, pasti lebih murah. Mulai sekarang, cobalah lebih teliti. Bandingkan dulu harga barang mulai dari ukuran dan harganya. Benarkah yang lebih besar lebih murah atau justru dengan membeli beberapa barang berukuran lebih kecil Anda lebih hemat? Selain itu, anda juga sebaiknya tidak berbelanja pada saat sedang lapar. Karena di saat lapar, Anda jadi cenderung membeli barang yang tidak dibutuhkan. Kondisi lapar membuat Anda jadi tertarik membeli berbagai produk makanan yang dalam pikiran Anda sepertinya sangat enak untuk dimakan.

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