15 Cara Cerdas Mengolah Gaji Bulanan Kecil Juga Pas-Pasan

- 08.05

Cara Cerdas Mengelola Gaji Bulanan Kecil & Pas-Pasan --- Secara pribadi, siapa sih yang tidak mau gaji bulan bisa tahan hingga akhir bulan bahkan berlebih? Nah, untuk bisa mencapai tujuan tersebut, dibutuhkan strategi khusus. Mungkin, banyak orang yang memiliki gaji harian, mingguan, dan bulanan yang bisa dibilang relatif besar, namun gaji tersebut tak tersisa sedikit pun hingga akhir bulan, bahkan kurang.

Kenapa itu bisa terjadi? Ya, itu disebabkan karena tidak memiliki pemahaman cara mengelola gaji bulanan yang baik. Oleh karena itu, keuangan rumah tangga Anda semestinya harus dikelola lebih baik. Beruntunglah jika suami-istri mampu mengatur keuangan pribadi dengan bijak, jika tidak? Gaji berapa pun, pasti tidak akan cukup.

Salah satu kunci kesuksesan dalam mengontrol gaji yaitu terletak pada mind set dan life style! Jika pola pikir Anda maju dan gaya hidup juga tidak berlebihan, insyaallah gaji akan aman bahkan berlebih pada akhir bulan. Oleh karena itu, untuk memonitor gaji bulanan Anda, khususnya yang terbilang kecil, pas-pasan, atau kisaran UMR, ada baiknya Anda memahami tips mengatur uang & cara mengelola gaji bulanan berikut ini.

1. Catat Pengeluaran Tetap Bulanan


Inilah hal yang terlihat sepele dan remeh, tapi memiliki dampak yang besar terhadap pengeluaran dan persentase pembagian keuangan bulanan. Coba Anda bertanya-tanya, apakah selama ini pernah mencatat setiap pengeluaran bulanan? Tidak usah yang jauh-jauh, pengeluaran tetap saja terlebih dahulu. Apakah pernah? Nah, itu dia masalahnya.
Apa saja yang termasuk pengeluaran tetap? Sebagai contoh, biaya makan dan minum, biaya air dan listrik, biaya transportasi, dan sejenisnya (pengeluaran yang konsisten atau wajib dikeluarkan setiap bulan). Cacat biaya-biaya tersebut sehingga Anda tahu berapa dan ke mana uang gaji tersebut dikeluarkan. Ini penting dilakukan sebagai bahan evaluasi nantinya.

2. Buat Rencana Belanja Kebutuhan Pokok Bulanan

cara cerdas mengelola gaji bulanan yang kecil & pas-pasan

Membuat rencana belanja kebutuhan pokok bulanan merupakan salah satu cara mengelola gaji bulanan secara bijaksana. Kenapa ini mesti dilakukan? Tujuannya hanya satu, agar apa yang Anda belanjakan bisa lebih terarah sehingga mampu menciptakan efisiensi. Misalnya, gaji Anda 2 juta. Ketika Anda membuat rencana belanja kebutuhan pokok bulanan, Anda bisa menentukan berapa anggarannya, apa yang mesti dibeli, berapa harganya, berapa kuantitasnya, dan seterusnya. Jadi jelas.

Jika disaat Anda membuat detail seperti itu, dan sekiranya pengeluaran untuk belanja kebutuhan pokok tersebut lebih dari 1,5 juta, tentu saja itu terlalu besar. Nah, Anda dapat melakukan evaluasi, kira-kira apa yang harus dikurangi dan ditekan. Itulah gunanya membuat perencanaan.

3. Manfaatkan Produk Substitusi yang Lebih Ekonomis


Pernahkah ter-pikirkan oleh Anda tentang hal ini? Ya, inilah cara mengelola gaji bulanan yang cerdas selanjutnya. Jika selama ini Anda langganan menggunakan suatu produk, apa pun produknya, cobalah untuk mencari tahu apakah ada produk lain yang sejenis tapi memiliki harga yang lebih ekonomis. Misalnya, dalam penggunaan sampo, sabun mandi, minyak goreng, dan seterusnya. Cobalah cari informasi mengenai hal itu.

4. Kurangi Kebiasaan Naik Sepeda Motor

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Saya pernah mendengar informasi yang valid bahwa Indonesia merupakan salah satu negara yang masyarakatnya paling banyak memiliki dan menggunakan sepeda motor. Saya juga tidak tahu kenapa, apa mungkin hal ini disebabkan karena harga sepeda motor yang terjangkau dan kebiasaan malas berjalan kali? Yang pasti, kurangilah penggunaan sepeda motor agar Anda tidak dibebani dengan biaya BBM yang berlebih.

Jika lokasi tujuan tidak terlalu jauh, masih memungkinkan untuk berjalan kaki atau naik sepeda, maka jangan gunakan sepeda motor. Malas, mungkin menjadi salah satu alasan yang sering terdengar ditelinga kita. Boleh saja menggunakan sepeda motor, tapi ada waktunya.

5. Berhentilah Merokok


Baik disadari maupun pura-pura tidak sadar bahwa merokok merupakan salah satu faktor gaji bulanan Anda terkuras tanpa bekas. Kebiasaan inilah yang mesti Anda tinggalkan. Apa gunanya merokok? Hanya mencari penyakit saja! Akan jauh lebih bijaksana jika uang pembelian rokok tersebut digunakan untuk hal-hal yang lebih bermanfaat atau bahkan ditabung. Tentu saja, ini jauh lebih cerdas. Ingat, mengatur keuangan pribadi dengan gaji pas-pasan atau UMR tidaklah mudah. Oleh karena itu, jangan menyepelekannya. Rokok adalah hal yang sepele tapi menyengsarakan.

6. Jangan Terlalu Sering Makan di Luar (Masak Sendiri Lebih Baik)

cara cerdas mengelola gaji bulanan yang kecil & pas-pasan

Inilah cara mengelola gaji bulanan selanjutnya. Saya yakin Anda juga tahu bahwa makan di luar lebih mahal daripada masak sendiri di rumah. Saya paham, barangkali ada suami-istri yang bekerja sehingga tidak sempat memasak. Padahal, memasak itu bisa dilakukan kapan saja. Hanya saja, apakah Anda ada kemauan atau tidak?

Anda bisa memasak di waktu subuh, malam hari, dan di waktu lainnya. Hal inilah yang dilakukan ibu saya. Namun, Anda mesti menyediakan terlebih dahulu bahan-bahan masaknya. Nah, untuk membeli bahan-bahan masak tersebut, manfaatkan hari Sabtu atau Minggu. Selesai? Yang penting ada kemauan.

7. Minimalisasi Penggunaan Air dan Listrik


Biaya air dan listrik juga termasuk salah satu elemen yang mesti Anda perhatikan betul. Apalagi sekarang litrik sudah menggunakan sistem token pulsa. Saran saya, hal-hal seperti menonton tv, menyetrika, penggunaan mesin cuci, semestinya bisa dilakukan secara berkala. Setahu saya, mesin cuci dan setrika merupakan elemen-elemen yang paling banyak memakan dan menguras listrik. Oleh karena itu, bijaksanalah dalam menggunakannya.

8. Hemat dalam Penggunaan Pulsa dan Kuota Internet

cara cerdas mengelola gaji bulanan yang kecil & pas-pasan

Berapa biasanya Anda mengeluarkan anggaran untuk pulsa dan kuota internet dalam sebulan? Kalau diestimasikan, lebih kurang 100 ribu per bulan. Memang, pulsa dan kuota internet merupakan elemen penting karena menjadi bagian dari komunikasi. Saya pun tidak melarang, hanya saja, cobalah untuk berhemat-hemat. Gunakan pulsa dan kuota internet untuk hal-hal yang perlu saja. Itulah salah satu cara mengelola gaji bulanan agar bisa tahan hingga akhir bulan.

9. Bagi Muslim, Cobalah Puasa Sunah Senin dan Kamis


Pernah terpikirkan tentang hal ini? Ya, tidak ada salahnya Anda mencoba puasa Senin dan Kamis. Selain berpahala, pengeluaran pun akan lebih mampu diminimalisasi. Jika Anda konsisten melakukan ibadah ini, maka ada 8 hari dalam sebulan yang bisa dimanfaatkan sebagai efisiensi pengeluaran bulanan. Lumayan, bukan? Ya, sambil menyelam minum air. Hehehe.

10. Jika Punya Kartu Kredit, Gunakan dengan Bijaksana

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Kalau saya pribadi, tidak menggunakan kartu kredit merupakan jalan terbaik dan cara mengelola gaji bulanan yang tepat. Bagaimana jika sudah memiliki credit card? Tidak masalah, tapi usahakan untuk tidak menggunakannya. Jika pun digunakan, gunakanlah HANYA untuk kebutuhan mendesak. Ingat, credit card yang Anda gunakan tentu saja tidak gratis. Anda harus membayar cicilan plus dengan bunganya. Itu sangat tidak sehat.

11. Manfaatkan Penawaran Promo atau Diskon


Bukan rahasia umum lagi bahwa hampir semua orang menyukai promo dan diskon, terutama ketika ingin membeli sebuah produk. Namun, masih banyak juga orang yang “malas” mencari info tersebut. Tak ayal, mereka melewatkan kesempatan tersebut. Padahal, penghematan dari sana cukup membantu mengurangi pengeluaran rumah tangga. Oleh karena itu, jadilah pejuang diskon dan promo. Hehehe.

12. Cari Penghasilan Tambahan


Ini tidak wajib melakukan hal ini, asalkan Anda sudah paham betul strategi dan cara mengelola gaji bulanan dengan tepat. Jika misalnya, Anda bekerja sampai Sabtu, maka Minggu bisa dimanfaatkan untuk mencari penghasilan tambahan. Banyak alternatif yang bisa Anda kerjakan, seperti ngojol (ngojek online) misalnya. Dari beberapa sumber yang saya dapat, penghasilan dari sana cukup lumayan. Jadi, tak ada salahnya mencoba, bukan?

13. Tanamkan Kebiasaan Menabung pada Anggota Keluarga


Bagi saya, inilah salah satu cara terbaik mengelola gaji bulanan. Kenapa? Menanamkan kebiasaan menabung pada setiap anggota keluarga, baik suami, istri, dan anak, setidaknya bisa mengubah pola pikir konsumtif menjadi savings. Tentu saja, ini sangat menguntungkan terutama bisa meminimalisasi pengeluaran bulanan. Memang tidak mudah untuk merealisasikan, tapi mesti dicoba.

14. Manfaatkan Peluang Investasi


Saya paham bahwa tidak semua elemen masyarakat mampu memahami produk investasi. Namun, tidak ada salahnya juga Anda mencoba mencari tahu mengenai peluang investasi. Boleh di sektor keuangan, boleh juga di sektor riil. Apapun jenis investasinya, yang terpenting carilah investasi yang rendah risiko (low risk), terutama jika Anda pemula.

15. Lakukan Evaluasi


Nah, inilah cara mengelola gaji bulanan yang terakhir. Terlihat kecil, tapi dampaknya besar. Evaluasi inilah yang sering kali diabaikan oleh banyak orang. Padahal, dengan melakukan evaluasi, mereka bisa melihat dengan jelas ke mana saja uang dibelanjakan. Oleh karena itu, lakukan evaluasi setiap bulannya. Jadilah orang-orang beruntung yang mana pengeluaran bulan ini lebih efisien dibandingkan bulan lalu.

Itulah informasi mengenai cara cerdas mengelola gaji bulanan kecil & pas-pasan. Dari 15 tips dan trik di atas, Anda bisa mengaplikasikan semua atau beberapa diantaranya. Saya sangat berharap informasi ini bisa bermanfaat untuk Anda semua. Semoga sukses!
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