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Tips Berhemat Tanpa Tercekik

Perempuan memang paling hobi bila diajak untuk berbelanja. Seringkali kaum perempuan tidak sadar sudah ada beberapa tentengan tas belanja di tangan saat berada di pusat belanja favoritnya. Setelah berbelanja barulah mereka sadar bahwa tagihan kartu kredit di akhir bulan membengkak.

Bila anda sering mengalami kejadian tersebut mungkin kini saatnya anda memanage keuangan anda. Anda tidak perlu membayangkan bahwa dengan berhemat anda tidak bisa ber-shopping ria. Yang anda hanya butuh beberapa langkah untuk menyiasati uang belanja anda. Simak berikut ini agar anda bisa melakukan penghematan dalam pengeluaran tanpa harus tercekik.


Kartu Kredit. Sebenarnya kartu ini merupakan pisau bermata dua. Karena kartu ini bisa menjadi dewa penolong tapi juga sebagai dewa penjagal. Semua itu tergantung pada bagaimana kelihaian anda dalam menggunakannya. Cobalah anda batasi penggunaan kartu kredit dan usakan untuk membayar lunas setiap tagihan. Bila memang anda punya dananya sebaiknya hindari pembayaran minimum payment-nya saja karena justru membuat bunga jadi berbunga di bulan selanjutnya. Bagi anda yang memiliki hobi mengoleksi kartu kredit, sebenarnya sangat berbahaya. Sebaiknya anda cukup pegang maksimal 2 kartu kredit. Pemilikan kartu kredit yang banyak malah akan membebani anda dengan iuran tahunan kartu.

List prioritas belanjaan. Buatlah daftar barang-barang penting yang harus anda prioritaskan untuk dibelanjakan. Tanamkan control pada diri anda untuk selalu membeli barang-barang yang benar-benar anda butuhkan bukannya barang-barang yang anda inginkan. Anda harus bisa mendisiplinkan diri anda. Bila tidak sanggup, cobalah ajak orang yang bisa mengingatkan anda mengontrol diri saat belanja.

No brand minded. Anda tidak perlu membeli barang yang bermerk bila anda bisa mendapatkan barang yang murah. Anda tidak perlu menguras isi kantong kan? Cobalah untuk mencari alternatif belanja dengan memburu barang import di factory outlet. Atau tidak ada salahnya menunggu merk kesayangan mengadakan sale.

Siasat ganda. Menekan pengeluaran juga bisa dilakukan dengan membeli barang-barang yang kurang lebih sebenarnya memiliki fungsi sama. Bila anda terbiasa dengan membeli pewangi dan pelembut pakaian secara terpisah, kenapa tidak anda coba untuk membeli produk deterjen yang wanginya awet. Anda juga bisa membeli kemasan refill karena biasanya harganya relatif lebih murah. Jadi berhemat bukan berarti anda harus mencekik leher anda kan? Selamat berhemat...

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