Cara Saya Mengatur Uang
Banyak orang dua orang bertanya kepada saya: Bagaimana anda mengatur uang anda?
Dan saya terkejut, bukan karena saya merasa mendadak eksis cerdas, tapi karena sesungguhnya saya tidak siap menjawab pertanyaan tersebut.
Meskipun blog ini naik daun karena artikel P2P lending saya, yang merupakan salah satu instrumen alternatif investasi, nyatanya saya sendiri bukanlah seorang investor yang sudah sukses. Saya masih jatuh bangun di pasar saham dan rugi banyak di cryptocurrency.
Namun, tidak ada salahnya berbagi, toh bisa menjadi pembelajaran bagi anda dan menjadi sarang kritik bagi saya. Bila anda punya metode yang lebih efektif, tolong bagikan di kolom komentar dibawah!
Cara Saya Mengelola Hutang
Apabila anda bisa memahami tulisan saya, saya berasumsi anda kaum yang cukup cerdas sehingga anti meminjam uang – malah mungkin lebih suka meminjamkan uang agar berbunga!
Ya, demikian juga dengan saya. Saya tidak pernah mengajukan pinjaman jenis apapun untuk keperluan apapun, namun tidak bisa dipungkiri saya masih menggunakan kartu kredit. Karena? Ada promo, cicilan belanja online 0%, dan mengumpulkan bonus tentunya 🙂
Anda pasti sudah tahu prinsip bahwa tagihan kartu kredit harus langsung dilunasi 100% untuk menghindari bunga compounding yang merugikan kita (meskipun bunga compounding di investasi tentunya menguntungkan), jadi saya akan berikan satu lagi tips yang jarang orang ketahui:
Gunakan kartu kredit yang bisa membelah tagihan anda menjadi 3 bulan tanpa bunga sama sekali.
Ya, saya tidak bercanda. Karena tingginya persaingan kartu kredit, beberapa bank memberikan fitur untuk memecah transaksi anda, baik offline maupun online, menjadi cicilan 3 bulan tanpa bunga. Salah satunya yang saya gunakan adalah CIMB Niaga Wave and Go, serta Mandiri SKYZ.
Hutang = Keuntungan
Lalu bagaimana memanfaatkan fitur tersebut menjadi keuntungan?
Anda harus memahami dulu yang namanya Time Value of Money. Tapi kalau tidak paham, maka coba baca dengan baik cerita saya:
Pada suatu kesempatan saya makan bersama 6 teman saya. Tagihan makan kami sebesar Rp600 ribu. Karena saya bukan sultan, maka tentu saja tagihan tersebut dibagi rata, satu orang membayar Rp100 ribu. Agar mudah, maka saya berinisiatif ‘menalangi’ dahulu tagihan tersebut, jadi saya membayar Rp600 ribu menggunakan kartu kredit saya. Setelah itu, 5 orang teman tersebut membayar saya Rp100 ribu untuk bagian mereka.
Sepulangnya ke rumah, saya langsung mengubah penagihan Rp600 ribu tersebut menjadi cicilan 3 bulan dengan tenor 0%. Berarti saya akan membayar Rp200 ribu setiap bulannya, dan saya sementara ‘mengantongi’ uang Rp500 ribu tersebut sampai tagihan pertama muncul.
Lalu? Tentu saja uang Rp600 ribu tersebut saya investasikan dulu di aset jangka pendek, misalnya P2P lending. Pilih saja tenor 1 bulan kebawah. Ketika tagihan kartu kredit anda muncul dan harus membayar Rp200 ribu (untuk tagihan pertama), pendanaan anda pasti sudah cair dan anda malah mendapatkan bunganya.
Lakukan seterusnya. Di bulan kedua anda masih ada sisa Rp400 ribu yang anda bisa investasikan kembali. Dan di bulan ketiga masih ada sisa Rp200 ribu yang masih bisa dibungakan sebelum anda harus melunasi hutang makan anda 3 bulan lalu.
Ya, tentu saja keuntungan yang didapat dari metode ini sebenarnya uang receh. Tapi tetap saja – anda berhasil mengubah hutang anda menjadi suatu keuntungan!
Tambahan: Jangan lupa membayar tagihan kartu kredit anda di website yang memberikan cashback atas pembayaran kartu kredit, seperti Tokopedia dan Bukalapak.
Penyisihan Gaji Saya
Saya juga berasumsi bila anda memahami dan membaca blog saya, berarti anda kaum orang yang sudah paham pentingnya menabung, sehingga saya tidak usah berbacot panjang lagi karena banyak orang yang lebih cerdas daripada saya bisa mengajarkan bagaimana caranya menyisihkan gaji.
Saya sendiri mengikuti metode ajaran Warren Buffet dimana saya membagi gaji saya ke alokasi-alokasi tertentu secara persentase. Misalnya seperti ini:
Keperluan | Minimal | Maksimal | Catatan |
Investasi | 10% | 50% | 10% diawal, sisanya ditambah dibelakang |
Makan | 30% | 50% | Saya hobi makan sehingga cukup besar nilainya |
Hiburan | 20% | 30% | Belanja, nonton, dan hedonisme lainnya |
Sumbangan | 0% | 10% | Agama saya tidak mewajibkan sumbangan wajib |
Penyisihan ini harus dilakukan pertama kali persis setelah anda sudah menerima gaji anda. Untuk membantu penyisihan ini, saya merekomendasikan anda menggunakan beberapa rekening bank sekaligus. Bila anda mengikuti contoh saya diatas, misalnya anda menerima gaji di rekening BCA, maka transfer langsung 30 persen gaji anda ke rekening Mandiri untuk alokasi makan. Setiap kali anda bayar makan, bayar menggunakan kartu Mandiri ini. 20 Persen gaji anda transfer ke rekening DBS untuk alokasi hiburan. Setiap kali anda belanja atau nonton, bayar menggunakan kartu DBS. Dengan demikian anda bisa dengan mudah melihat sisa budget anda untuk kebutuhan tersebut dan tidak mungkin bocor melebihi alokasi. Untuk investasi dan sumbangan, sumbangkan dan investasikan alokasi uang anda ke produk yang anda inginkan secepat mungkin setelah gaji diterima, kecuali anda menunggu suatu saham jatuh ke harga tertentu.
Ketika anda terpaksa membayar dengan kartu kredit, aplikasi wallet, atau uang tunai, anda hanya tinggal melakukan transfer outbond (keluar) dari rekening bersangkutan kembali ke rekening gajian anda. Misalnya anda membayar makan menggunakan OVO sebesar Rp50 ribu, maka buatlah transfer sebesar Rp50 ribu dari rekening Mandiri (yang sudah menjadi komitmen untuk membayar makan) ke rekening BCA anda tempat pertama kali anda menerima gaji, sehingga pengeluaran anda tetap tercatat di akun yang benar.
Apabila anda tidak suka memiliki beberapa rekening sekaligus karena adanya biaya admin dan biaya transfer, maka tidak usah khawatir, anda cukup membuka rekening Jenius. Jenius memberikan anda 5 nomor rekening sekaligus tanpa biaya admin! Jenius lah yang sebenarnya memberikan saya inspirasi untuk menggunakan metode budgeting menggunakan banyak rekening ini.
Namun demikian, perlu saya sampaikan bahwa ada alokasi lain yang lebih penting, yang harus dilakukan sebelum bahkan mengalokasikan uang anda untuk semua hal diatas tersebut. Apakah itu? Hutang atau Liabilitas. Seperti yang sudah ditulis diatas, hutang jangan sampai menimbulkan kerugian, kalau bisa malah menghasilkan keuntungan. Jadi, hutang harus dilunasi secepat mungkin supaya tidak berbunga! Hutang dan liabilitas yang saya maksud ini bukan saja mencakup pinjaman uang tunai, namun termasuk juga didalamnya tagihan kartu kredit, biaya sewa tempat tinggal anda, tagihan air, tagihan listrik, budget transportasi anda, dan hal-hal penting lain yang menunjang kehidupan anda (lihat saja garis terbawah dalam Maslow Hiearchy of Needs). Meskipun tagihan belum muncul, tentu anda sudah tahu perkiraan nominalnya, sehingga uang sejumlah tersebut harus disisihkan di awal.
Metode ajaran Warren Buffet ini memberikan saya fleksibilitas untuk mengatur keuangan saya dalam satu bulan berjalan, namun sudah berdasarkan komitmen yang diatur di awal bulan. Dalam arti lain, kalaupun saya bocor (overbudget) dalam hal membeli makan, maka tidak akan mengambil alokasi uang untuk investasi dan hiburan.
Saya pribadi tidak suka terhadap metode pencatatan yang belakangan ini terkenal karena hadirnya banyak aplikasi smartphone pengelola uang . Metode ini memakan waktu karena anda mencatat setiap pengeluaran anda secara detail dan menyisihkan tabungan dibelakang, bukan didepan. Akibatnya anda membuang waktu dan uang sekaligus karena tidak bisa berkomitmen sejak awal.
Memilih Investasi
Investasi yang saya pilih bermacam-macam tergantung mood saya dan bisikan roh saat itu. Namun saya cenderung memilih investasi yang memiliki likuiditas rendah atau tenor panjang, sehingga saya tidak tergoda untuk mencairkan investasi tersebut dalam waktu singkat.
Memilih investasi bukan sekedar memilih aset yang memberikan keuntungan paling tinggi, namun juga menyebarkan uang anda ke aset yang tepat untuk memenuhi target investasi anda.
Apabila anda masih perlu belajar soal hal ini, tolong baca tulisan ini, karena yang dibahas disini adalah pengalaman pribadi saya yang mungkin tidak cocok anda terapkan.
Dalam hal ini, saya belajar dari salah seorang petinggi BCA yang membagikan ilmu masa mudanya. Ia melihat investasi sebagai beberapa jenis ‘tanaman’ yang harus diberi perlakuan berbeda-beda. Saya tidak akan menjabarkan klasifikasi beliau karena akan menjadi plagiarisme. Lagipula, saya telah ‘menyempurnakan’ klasifikasi beliau seperti ini:
1. Kelas investasi pertama: Si Konsisten
Ciri-ciri:
- Retur yang kecil namun konsisten dan bisa diprediksi.
- Tidak memiliki risiko kehilangan nilai.
Contoh: Deposito, Reksadana Pasar Uang, Reksadana Pendapatan Tetap, Obligasi Negara.
Kegunaan: Melawan inflasi, dan memberikan modal untuk investasi lainnya.
Cara memanfaatkan:
Taruh sebagian besar uang anda di kelas investasi ini. Gunakan retur dari investasi kelas ini untuk menjadi modal kelas investasi lainnya.
Persentase Kelas ini Dalam Portfolio Saya: 40%
2. Kelas investasi kedua: Si Labil
Ciri-ciri:
- Retur yang tinggi tapi tidak konsisten (volatile).
- Memiliki risiko hilang modal atau turun nilai.
- Harus sering-sering dipantau.
Contoh: Saham, cryptocurrency, valuta asing, reksadana saham.
Kegunaan: Menjadi tempat anda mencari untung.
Cara memanfaatkan:
Uang yang anda taruh di investasi kelas ini harus siap hilang sepenuhnya, karena semua memiliki risiko tinggi. Oleh karena itu, gunakan retur dari kelas investasi ‘si konsisten’ untuk dimainkan di kelas investasi ini, agar tidak sakit hati terlalu dalam bila mengalami kerugian.
Persentase Kelas ini Dalam Portfolio Saya: 20%
3. Kelas investasi ketiga: Si Pelindung
Ciri-ciri:
- Memiliki return kecil atau bahkan tidak ada sama sekali.
- Cenderung sulit didapatkan.
Contoh: Asuransi, Emas, Jam Tangan Mahal, Perhiasan.
Kegunaan: Menjadi senjata rahasia anda bila sesuatu yang buruk terjadi.
Cara memanfaatkan:
Jangan harap kelas investasi ini menghasilkan keuntungan, namun anda harus memiliki sedikit supaya kelas investasi lainnya tidak terganggu apabila anda perlu kebutuhan mendadak yang diakibatkan kejadian tidak terduga.
Persentase Kelas ini Dalam Portfolio Saya: 10%
4. Kelas investasi keempat: Si Serbaguna
Ciri-ciri:
- Memiliki tenor pendek dan mudah dicairkan.
- Retur biasa-biasa saja.
Contoh: P2P Lending, Reksadana campuran.
Kegunaan: Sering sering ‘diputar’ menjadi aset kelas lainnya
Cara memanfaatkan:
Disesuaikan dengan situasi anda. Apabila anda baru saja rugi cukup banyak di saham, maka sementara pensiun dari pasar saham dan alokasikan uang hasil roller ke kelas investasi liquid ini. Apabila anda mendadak butuh membeli investasi kelas backup, cairkan kelas investasi ini sebagai modalnya.
Persentase Kelas ini Dalam Portfolio Saya: 30%
Bonus: Kalau Bisa Bayar Kurang, Kenapa Bayar Lebih?
Mungkin anda pernah mendengar stereotip berbunyi ‘cina pelit’ (cipe). Dalam mengelola keuangan, saya juga menerapkan stereotip tersebut dengan sepenuh hati saya. Dalam berkuliner, saya selalu memanfaatkan seluruh aplikasi dan kartu bank yang saya miliki agar mendapatkan diskon atau cashback.
Dalam belanja online, saya selalu menambahkan barang-barang incaran kedalam wishlist dulu, baru setelah ada promosi akhir bulan atau acara tertentu, saya baru membelinya.
Saya rela menghabiskan beberapa jam setiap minggunya untuk melakukan perbandingan harga dari berbagai website online untuk menemukan harga termurah dan penawaran terbaik, semata-mata hanya demi menghemat beberapa ribu rupiah.
Dalam berbelanja online bahkan saya bahkan menerapkan strategi khusus agar bisa menggabungkan beberapa promosi sekaligus, jadi sudah dapat diskon, dapat cashback berlipat lipat juga.
Kesimpulan Singkat
Jadi, bagi anda yang sudah terlanjur mabok membaca semua itu, saya rangkum 3 poin utama yang menjadi pedoman saya mengatur keuangan:
- Saya mengubah hutang menjadi keuntungan.
- Saya mengalokasikan porsi gaji saya menggunakan batasan.
- Saya memberikan perlakuan yang berbeda-beda terhadap bermacam-macam investasi.
- Opsional: Saya pelit, selalu mengincar promo.
Terima kasih!
menarik pak adrian artikelnya, sy belajar banyak managing money
terimakasih kak sudah mampir, saya juga masih belajar, semoga makin bermanfaat ya
Di summary artikel, 4 point itu sama dengan saya, terutama point no 4 (kejar promo dengan 1000 langkah)
? byk langkah menuju promo yah mas
cucok ya kita mas 😀 kalo bisa bayar lebih murah why not
Artikel yang inspiratif mas, saya boleh izin dijadikan referensi konten perusahaan saya?
Kalau memang bisa Membantu maka silakan saja kak.
Metode manajemen uang disini beberapa sudah dibahas oleh para expert, tapi beberapa lainnya cukup unik, nanti saya coba
[…] memang lebih penting daripada investasi, ada hal lain yang lebih penting lagi, yakni dana darurat. Dana darurat ini sifatnya harus bisa dicairkan kapan saja dan nilainya tidak boleh lebih rendah daripada modal […]
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