{"id":5370,"date":"2023-06-22T16:10:38","date_gmt":"2023-06-22T09:10:38","guid":{"rendered":"https:\/\/linebank.co.id\/blog\/?p=5370"},"modified":"2023-08-31T11:43:29","modified_gmt":"2023-08-31T04:43:29","slug":"hindari-4-spending-habits-inibikin-keuangan-nggak-sehat","status":"publish","type":"post","link":"https:\/\/linebank.co.id\/blog\/general\/hindari-4-spending-habits-inibikin-keuangan-nggak-sehat\/","title":{"rendered":"Hindari 4 Spending Habits Ini,Bikin Keuangan Nggak Sehat"},"content":{"rendered":"\n

Hi Sobat LINE Bank, <\/p>\n\n\n\n

Kamu ngerasa ngga sih terkadang ada banyak kebutuhan yang mesti dipenuhi dalam hidup ini? Kadang pun kita sulit membedakan yang mana kebutuhan dan mana keinginan? Pada setiap kebutuhan perlu spending <\/em>uang lebih. Tapi, jangan sampai kebablasan menghabiskan uang, sehingga uang tinggal sisa sedikit banget. Padahal, gajian bulan berikutnya masih jauh. <\/p>\n\n\n\n

\"Hindari<\/figure>\n\n\n\n

Kalau hanya terjadi satu dua kali nggak jadi masalah besar. Tapi, kalau keterusan bisa bahaya. Yuk, kenali 4\u00a0spending habits<\/strong>\u00a0<\/em>yang bisa bikin keuangan nggak sehat.<\/p>\n\n\n\n

1. Membelanjakan uang yang di luar rencana<\/strong><\/h2>\n\n\n\n

Spending habit<\/em> yang satu ini biasanya muncul karena menjalani kehidupan yang kurang teratur<\/strong>. Misalnya, kamu jadi keluar uang buat beli sarapan akibat bangun kesiangan.<\/p>\n\n\n\n

Padahal, jika kamu bangun tepat waktu, kamu bisa siapin sarapan di rumah. Bikin sarapan sendiri akan lebih hemat dibandingkan beli di luar.<\/p>\n\n\n\n

Nah, gimana supaya uang nggak habis buat hal-hal yang di luar rencana? Nggak ada kunci lain selain melatih diri supaya lebih disiplin.<\/p>\n\n\n\n

2. Membelanjakan uang karena orang lain juga begitu<\/strong><\/h2>\n\n\n\n

Spending habit<\/em> yang satu ini sering terjadi karena pengaruh lingkungan. Saat kumpul bareng teman, kamu jadi ikutan beli snack<\/em> atau minuman, yang sebenarnya kamu nggak pengen atau nggak rencana mau beli. Rasanya nggak enak kalau kamu sendiri yang nggak jajan.<\/p>\n\n\n\n

Atau, spending habit <\/em>ini bisa juga karena kamu ingin membuat teman-teman kamu terkesan. Jadi, kamu beli sesuatu yang sebenarnya nggak perlu. Hubungan dengan sesama memang penting. Tapi, kamu perlu mempertimbangkan dampaknya terhadap kondisi keuangan.<\/p>\n\n\n\n

Supaya nggak terlalu sering keluar uang karena pengaruh orang lain, kamu bisa berinisiatif mengajak teman untuk melakukan sesuatu yang minim biaya. Misalnya, mengundang mereka ke rumah untuk nonton bareng.<\/p>\n\n\n\n

3. Menghabiskan uang karena emosi semata<\/strong> or biasa disebut emotional spending<\/em><\/h2>\n\n\n\n

Menahan diri dari godaan memang bukan hal yang mudah, apalagi dari godaan belanja. Ada begitu banyak barang menarik, ditambah kalau barang yang menarik tersebut lagi diskon. Pasti langsung beli deh.<\/p>\n\n\n\n

Kalau kamu sering seperti ini, saat tergoda dan sudah mengambil barang tersebut, berhenti sesaat. Tanyakan pada diri sendiri, apakah kamu benar-benar membutuhkannya? Apakah ada kebutuhan lain yang lebih penting?<\/p>\n\n\n\n

Cara lain yang bisa kamu lakukan supaya nggak melulu belanja barang karena emosi semata yaitu dengan\u00a0menetapkan\u00a0budget<\/em>\u00a0untuk belanja barang diskon atau barang yang kamu inginkan.<\/p>\n\n\n\n

Kamu bisa bikin multi rekening LINE Bank<\/strong>.\u00a0<\/p>\n\n\n\n

Multi rekening yaitu kamu dapat memiliki\u00a0\u00a08 rekening dalam 1 akun\u00a0saja loh<\/a><\/strong><\/em>!<\/strong>\u00a0Kamu bisa mulai\u00a0<\/a>pisahin rekening<\/a>\u00a0<\/strong>sesuai kebutuhan kamu! 1 Rekening bisa untuk 1 kebutuhan agar dana nggak bercampur.<\/p>\n\n\n\n

4. Mengeluarkan uang tanpa mencatatnya<\/strong><\/h2>\n\n\n\n

Nggak tahu secara pasti uang sudah kamu keluarkan untuk apa saja sangat bahaya! Kamu bisa saja bayar tagihan yang sama 2x karena kamu lupa sudah bayar atau belum. Kalau ada penghematan yang bisa dilakukan, kamu juga jadi nggak bisa melakukannya karena nggak ada patokan.<\/p>\n\n\n\n

Jadi, jika selama ini kamu nggak pernah sama sekali atau jarang mencatat pengeluaran, kamu bisa mulai melakukannya secara teratur. <\/p>\n\n\n\n

Nah itu dia cara mengidentifikasi spending habits <\/em>kamu. Kamu bisa mulai mencoba dan membiasakan nya dari sekarang ya!<\/p>\n\n\n\n

Pokoknya dengan LINE Bank, #Upgradelyf<\/strong> jadi makin tenang dan cash flow<\/em> tetap aman. Untukmu yang belum memiliki rekening LINE Bank, yuk buka rekening sekarang buat dapetin keuntungannya.<\/p>\n\n\n\n

Caranya gampang kok, download aplikasi LINE Bank di Appstore maupun Playstore dengan klik disini!<\/a><\/em><\/strong><\/p>\n\n\n\n

Jangan sampai ketinggalan juga ya promo menarik LINE Bank untukmu,berikut!<\/a><\/em><\/strong><\/p>\n\n\n\n

Baca juga :\u00a0Bad Habits Ini Yang Ngga Kamu Sadari Bisa Memperburuk Karir-mu!<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Hi Sobat LINE Bank, Kamu ngerasa ngga sih terkadang ada banyak kebutuhan yang mesti dipenuhi dalam hidup ini? Kadang pun kita sulit membedakan yang mana kebutuhan dan mana keinginan? Pada setiap kebutuhan perlu spending uang lebih. Tapi, jangan sampai kebablasan menghabiskan uang, sehingga uang tinggal sisa sedikit banget. Padahal, gajian bulan berikutnya masih jauh. Kalau […]<\/p>\n","protected":false},"author":3,"featured_media":5382,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","footnotes":""},"categories":[12,1],"tags":[151,702,833,14,904,1092,2022],"ppma_author":[834],"class_list":["post-5370","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finansial","category-general","tag-deposito","tag-kta","tag-line-bank","tag-linebank","tag-multi-rekening","tag-quick-credit","tag-spending-habits"],"blocksy_meta":[],"yoast_head":"\nHindari 4 Spending Habits Ini,Bikin Keuangan Nggak Sehat<\/title>\n<meta name=\"description\" content=\"Taukah kamu 4 spending habits ini bisa membuat keuangan kamu jadi ngga sehat? Yuk mulai identifikasi dari sekarang! 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