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Cara Jitu Mengatur Keuangan dengan Metode 50-30-20
Author: Fauziah Sabtuanisa
Editor: Dhia Priyanka
![](https://ik.imagekit.io/primaku/article_image/1653747114897-9d204774.jpg?tr=w-500)
Topik: Financial, Tips
Tidak dipungkiri, mengatur keuangan memang tricky. Saat gajian tiba, mungkin MomDad merasakan godaan untuk mengabiskan uang dan menjadi konsumtif. Entah itu godaan untuk membelikan keinginan si Kecil, jalan-jalan, makan di restauran bersama keluarga, dan lainnya.
Sebenarnya tidak ada yang salah dengan hal itu. Hanya saja, sebaiknya MomDad tahu cara bijak mengatur keuangan bulanan keluarga, supaya tidak "boncos" di tengah bulan. Gimana sih caranya? Tenang, MomDad bisa mengatur keuangan dengan metode 50-30-20! Seperti apa metodenya? Yuk, simak penjelasan di bawah!
Pengertian metode 50-30-20
Bagi yang merasa kesulitan mengatur keuangan, MomDad patut mencoba metode ini! Metode 50-30-20 dikenalkan oleh Senator Elizabeth Warren dan Amelia Warren dalam bukunya yang berjudul All Your Worth: The Ultimate Lifetime Money Plan.
Sederhananya, metode 50-30-20 ini mengatur pendapatan, pemasukan, atau gaji sebesar 50% dialokasikan untuk kebutuhan pokok, 30% dibagi untuk keinginan, dan 20% disisihkan untuk tabungan.
Cara mengatur keuangan dengan metode 50-30-20
Seperti penjelasan di atas, metode 50-30-20 dikenal sebagai cara ampuh agar tidak konsumtif. MomDad dapat merinci pembagiannya seperti di bawah:
- 50% digunakan untuk kebutuhan pokok, misalnya MomDad bisa alokasikan untuk pembayaran cicilan, belanja bulanan, asuransi, bayar listrik, dan lainnya.
- 30% dialokasikan untuk keinginan, contohnya kebutuhan jalan-jalan bersama keluarga, beli mainan si Kecil, makan di restauran dan biaya hiburan lainnya. Sebagai catatan, sebaiknya "biaya keinginan" diatur sedemikian rupa agar MomDad bisa meminimalisir kemungkinan terjadinya kelebihan pengeluaran dan sifat konsumtif.
- Sisihkan 20% untuk tabungan. Ini merupakan salah salah satu poin penting dalam mengatur keuangan, namun sering diabaikan. Tabungan tersebut, bisa MomDad manfaatkan sebagai dana darurat atau digunakan untuk jangka panjang, seperti dana pendidikan si Kecil.
Apakah selama ini MomDad sudah menerapkan metode di atas atau punya cara lain untuk mengatur keuangan?
Suka dengan artikel ini? Yuk, like artikelnya! Jika ingin mendapatkan tips lain seputar parenting hingga resep MPASI, jangan lupa follow @official.primaku di Instagram dan download aplikasi PrimaKu di Android dan Apple Store ya, MomDad.
Sumber foto: iStock
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