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Tinggalkan 5 Kebiasaan Ini, Kalau Mau Kaya

Alam Sekitar2,381 views

ALORPINTAR.COM – Pantas Aja Susah Kaya, Ternyata 5 Hal Ini Masih Kamu lakukan.
Sudah punya pekerjaan yang bagus dan penghasilan yang tinggi sekalipun gak jadi jaminan kamu bakal cepat tajir kok.
Di sisi lain, sudah merasa hidup hemat, tapi kenapa gaji di rekening sekadar lewat? Tenang, tarik napas dalam-dalam. Memang sulit menerima kenyataan, tapi besar kemungkinan ada masalah pada kebiasaanmu mengelola keuangan.

Mari akui sama-sama, apakah lima kebiasaan yang bikin susah kaya ini masih sering kamu lakukan?

  1. Gaji naik = gaya hidup naik.
    Punya penghasilan besar harusnya membuatmu lebih mudah mapan. Namun, saat gaji naik, tabungan tetap stagnan. Tagihan kartu kredit sudah menanti. Boro-boro ada porsi buat investasi.
    Kamu yang semula merasa nyaman memakai tas yang selama ini kamu pakai, mulai gatal ingin ganti Prada seperti milik teman-temanmu. Kamu yang biasanya betah ke kantor menggunakan ojek online, jadi malas keluar rumah kalau tidak pakai taksi.
    Jika gaji naik selalu diikuti peningkatan gaya hidup, jangan berharap bisa segera kaya dan merdeka finansial.
    Coba ingat-ingat, berapa kali kamu “ngopi cantik” di luar dalam seminggu? Apa yang kamu lakukan tiap libur akhir pekan? Berapa kali kamu nambah daftar brand tas, sepatu, baju, atau gadget beberapa bulan belakangan ini?
    Coba dievaluasi lagi gaya hidupmu. Sebisa mungkin, kenaikan gaji jangan diikuti juga dengan gaya hidup yang naik kelas. Kaya tapi sederhana malah lebih berkelas kok.

2. Terjebak dalam zona nyaman.
Kamu sering menolak tawaran pekerjaan karena takut keluar dari zona nyaman? Atau menolak tanggung jawab tambahan karena malas keluar dari rutinitas? Akhirnya, kamu hanya melakukan hal yang sama tiap harinya, tanpa ada perkembangan yang berarti.
Zona nyaman memang bisa bikin banyak orang terbuai, tapi tanpa disadari banyak peluang yang terlewatkan dan hidup pun jadi terus jalan di tempat.

3. Takut mengambil risiko.
Takut mengambil risiko adalah hal yang wajar. Ketakutan ini dapat berdampak baik karena membuatmu berhati-hati mengambil langkah, terutama dalam menempatkan uang.
Tapi, faktanya selalu ada risiko dalam segala hal. Tidak berani bersikap pun ada risikonya. Tak mengambil risiko karena takut jatuh miskin justru bisa jadi penyebab yang membuatmu susah kaya.
Contohnya, kamu yang masih takut berinvestasi akhirnya hanya mengandalkan penghasilan utama dan tabungan. Terkadang, alokasi uang investasi justru mengalir untuk pengeluaran konsumtif.
Salah satu cara ampuh untuk kurangi rasa takut adalah dengan memperdalam ilmu di bidang tersebut.
Contohnya, jika kamu masih ragu berinvestasi reksadana, cari informasi sebanyak-banyaknya mengenai produk investasi ini, serta lakukan diskusi dengan orang yang lebih berpengalaman. Dengan ilmu yang cukup, rasa takut akan terganti dengan kepercayaan diri.

4. Banyak mengambil cicilan.
Punya penghasilan yang cukup kadang membuat kita merasa aman untuk mengambil banyak cicilan. Kita pikir toh akan mudah membayarnya dengan gaji bulanan. Tanpa sadar, terlalu banyak cicilan membuat kita kehabisan uang untuk tabungan apalagi investasi.
Jika harus berutang, pastikan utang merupakan utang produktif atau utang yang dilakukan untuk menambah manfaat finansial. Contohnya, pinjaman uang yang dilakukan untuk suatu usaha.
Nah, laba usaha bisa digunakan untuk melunasi pinjaman tersebut. Setelah pinjaman lunas, keuntungan usaha tersebut pun bisa dinikmati.

5. Malas investasi skill.
Selain uang, kamu juga perlu fokus berinvestasi untuk mengembangkan kemampuan diri atau skill. Caranya bisa dengan mempelajari hal baru lewat membaca buku, memperluas jaringan, serta mengikuti berbagai seminar dan workshop. Jangan biarkan rutinitas harian kantor justru membuatmu gak berkembang.
Memiliki pekerjaan atau menjadi karyawan adalah sebuah berkah. Kamu gak perlu lagi terus-terusan sibuk cari kerja. Walau begitu, bukan berarti kamu bisa terlena dan jalan di tempat.
Terbuai dengan kenyamanan menjadi karyawan ditambah gengsi tinggi untuk terlihat tampak kaya justru dapat membuatmu susah kaya. Sebelum terlambat, yuk ubah kebiasaan dari sekarang!

Jangan Lewatkan

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