Manusia memang tidak terlepas dari kebutuhan sehari-hari terlebih lagi jika mereka yang sudah menikah dan memiliki anak, tentu saja kebutuhan sehari-hari akan semakin banyak. Apabila Anda memiliki gaji yang sedikit atau kecil tentu hal seperti ini bisa membuat Anda pusing dan sakit kepala. Oleh karena itulah, Anda harus pintar-pintar mengatur keuangan. Untuk itu, sebagai langkah yang tepat maka berikut ini ada beberapa cara mengelola keuangan rumah tangga dengan cermat, diantaranya:
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Untuk langkah awal sebagai cara mengatur keuangan rumah tangga dengan cermat yaitu menjumlahkan seluruh pendapatan yang didapatkan atau diperoleh mulai dari gaji bulanan, penghasilan tambahan, upah lembur dan lainnya. Hal ini dilakukan yakni untuk mengetahui seberapa besar dana yang didapatkan serta dialokasikan untuk masing-masing kebutuhan rumah tangga yang akan terpakai.
Susun Rencana Pengeluaran Dalam Sebulan
Setelah Anda melakukan kalkulasi seluruh pendapatan maka tuliskan rencana pengeluaran rumah tangga mulai dari yang paling dibutuhkan misalnya kebutuhan rumah tangga (makanan, minuman dan lainnya), lalu tagihan listrik, air, transportasi, bayar sewa, cicilan utang dan biaya yang dibutuhkan lainnya.
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Meskipun banyak orang yang sering mengabaikan solusi atau cara yang ini, padahal kebutuhan yang satu ini pada dasarnya sangat penting untuk dipertimbangkan. Setelah Anda melakukan poin pertama dan kedua diatas dan nantinya memiliki duit lebih maka akan lebih baik jika Anda dialokasikan untuk dana cadangan atau darurat. Kenapa demikian? Karena apabila nantinya sewaktu-waktu Anda memiliki masalah baik itu membayar rumah sakit ataupun lainnya Anda sudah memiliki dana cadangan tersebut dan tidak perlu mencari lagi duit pinjaman.
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Hal seperti ini juga termasuk ke dalam cara mengelola keuangan rumah tangga dengan cermat yang harus Anda perhatikan. Meskipun banyak orang yang mungkin selalu mengabaikan yang mana akan kebutuhan dan keinginan yang harus terpenuhi, akan tetapi jika Anda ingin mengatur keuangan rumah tangga dengan tepat maka Anda tidak boleh mengabaikan hal ini.
Apabila Anda telah mengalokasikan uang untuk anggaran yang penting dan juga telah sisipkan untuk dana cadangan serta Anda masih memiliki sisa uang maka Anda bisa mengalokasikan dana tersebut untuk kebutuhan sekunder dan tersier, misalnya belanja seperti sepatu, baju, kosmetik dan pengeluaran lainnya. Akan tetapi Anda harus ingat? Pastikan membeli barang-barang tersebut memang yang dibutuhkan, misalnya sepatu Anda sudah tidak layak dipakai dan ingin membeli yang baru atau Anda membutuhkan baju baru karena untuk suatu keperluan dan sebagainya.
Jadi, untuk kesimpulannya yaitu jika Anda memang benar-benar ingin mengatur keuangan dengan baik maka pastikan Anda harus bisa mengikuti beberapa cara mengelola keuangan rumah tangga seperti diatas dengan begitu Anda tidak akan pusing lagi dalam mengatur keuangan bulanan.
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