Banyak Pilihan

Apa bedanya tujuan dan mimpi? Jika “mimpi” masih berupa keinginan secara umum, “tujuan” sudah berbentuk lebih konkret. Misalnya Anda mulai tetapkan hal-hal seperti, kapan kira-kira target Anda untuk membeli rumah? Rumahnya dengan harga berapa? Bagaimana mencapainya? Kira-kira bisa investasi berapa setiap bulannya? Lalu sesuaikan target Anda dengan kemampuan Anda dalam berinvestasi.

Mana yang didahulukan? Tidak ada ketentuan yang baku mengenai hal ini, tapi harus disesuaikan dengan prioritas hidup Anda. Secara umum sih rumah lebih jadi prioritas dibandingkan mobil, namun Anda tidak harus mengikuti kebiasaan umum ini.

Nah, sekarang bicara investasi. Investasi bukanlah sebuah tujuan. Investasi adalah jalan menuju tujuan keuangan Anda. Jadi investasi bukan cita-cita, tapi langkah yang harus dilakukan.

Untuk mengatur keuangan bulanan Anda sambil kuliah, sebaiknya Anda membuat anggaran sederhana saja. Misalnya, berapa sih anggaran untuk makan dalam 1 bulan? Berapa ongkos transportasi sebulan? Berapa pengeluaran pribadi setiap bulan? Berapa Anda bisa menyisihkan untuk menabung setiap bulan?

Secara umum, ketentuannya sebagai berikut:
Pengeluaran rutin: 20-40 persen dari pendapatan
Menabung/investasi: 10-30 persen dari pendapatan
Pengeluaran pribadi: maksimal 20 persen dari pendapatan
Cicilan utang: maksimal 30 persen dari pendapatan

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