Layar ponsel cerdas yang menampilkan dasbor aplikasi yang melacak penghematan otomatis dari transaksi harian.<\/figcaption><\/figure>\nOpsi 2: Metode Penjumlahan Mental Manual (Tidak Perlu Aplikasi)<\/strong><\/p>\nJika Anda tidak nyaman menautkan akun Anda, Anda bisa meniru peretasan ini sendiri. Ini membutuhkan sedikit lebih banyak disiplin tetapi bekerja dengan prinsip yang sama.<\/p>\n
\nBagaimana cara kerjanya:<\/strong>\u00a0Di akhir setiap hari atau minggu, tinjau kembali transaksi bank Anda. Untuk setiap pembelian, bulatkan secara mental ke bilangan bulat terdekat.<\/li>\nContoh:<\/strong>\u00a0Jika Anda menghabiskan $34.20 di toko obat, Anda membulatkannya menjadi $35.00. Selisihnya, $0.80, adalah \"pembulatan\" Anda.<\/li>\nAksi:<\/strong>\u00a0Jumlahkan semua \"pembulatan\" Anda untuk periode tersebut dan segera transfer jumlah tersebut dari rekening giro ke rekening tabungan Anda. Anda bahkan dapat mengatur transfer berulang untuk perkiraan total mingguan Anda.<\/li>\n<\/ul>\nPengaturan dan Lupakan Saja Power-Up \ud83d\ude80<\/h4>\n Untuk membuatnya benar-benar mudah dan mencapai target $500, kombinasikan peretasan round-up dengan dua strategi ini:<\/p>\n
\nGandakan atau Lipatgandakan Putaran Anda:<\/strong>\u00a0Sebagian besar aplikasi memungkinkan Anda untuk melipatgandakan pembulatan. Alih-alih hanya membulatkan ke dolar terdekat, Anda bisa membulatkan ke $2 atau $3 terdekat. Hal ini akan mempercepat penghematan Anda secara dramatis tanpa usaha ekstra.<\/li>\nTambahkan Kontribusi Berulang:<\/strong>\u00a0Padukan pengumpulan dana Anda dengan transfer harian atau mingguan yang kecil dan otomatis. Bahkan $5 atau $10 ekstra seminggu, dikombinasikan dengan pengumpulan dana Anda, akan membuat Anda mencapai target $500 lebih cepat.<\/li>\n<\/ol>\nMatematika: Bagaimana Uang Receh Bertambah Hingga $500+<\/h4>\n Anda mungkin skeptis. Dapatkah perubahan benar-benar berjumlah $500? Mari kita uraikan perhitungannya untuk orang awam.<\/p>\n
Anggap saja Anda melakukan 30 transaksi kartu dalam sebulan<\/strong> (hanya 1-2 per hari). Rata-rata pembulatan per transaksi adalah sekitar\u00a0$0.50<\/strong>.<\/p>\n\n30 transaksi x $0.50 = $15<\/strong>\u00a0dari pengumpulan murni.<\/li>\nSekarang, aktifkan pengganda 2x: 30 x $1.00 =\u00a0$30<\/strong>.<\/li>\nTambahkan kontribusi berulang kecil sebesar $10\/minggu ($40\/bulan)<\/strong>.<\/li>\nTotal untuk bulan ini: $70.<\/strong><\/li>\n<\/ul>\nItu adalah $70 tanpa mengubah kebiasaan belanja Anda. Tapi tunggu dulu, kami menargetkan $500! Rahasianya adalah angka di atas adalah angka konservatif. Semakin sering Anda menggunakan kartu Anda, semakin banyak yang Anda hemat. Jika Anda menggunakan kartu Anda untuk semua pengeluaran Anda-tagihan, belanjaan, langganan-Anda bisa dengan mudah melakukan 80-100 transaksi dalam sebulan.<\/p>\n
\n80 transaksi x $0.50 (rata-rata) = $40<\/strong><\/li>\nDengan pengganda 2x = $80<\/strong><\/li>\nTambahkan kontribusi berulang sebesar $20\/minggu ($80\/bulan)<\/strong><\/li>\nTotal: $160 per bulan.<\/strong><\/li>\n<\/ul>\nAnda sekarang sudah sepertiga jalan menuju $500 hanya dalam waktu satu bulan. Dengan sedikit meningkatkan pengganda atau kontribusi berulang Anda, atau hanya dengan bersikap konsisten selama beberapa bulan, Anda akan melihat tabungan Anda melambung hingga $500 dan seterusnya. Kuncinya adalah konsistensi.<\/p>\nInfografis yang menunjukkan bagaimana tabungan Anda akan bertambah dalam waktu enam bulan dengan menggunakan rumus penggandaan dengan pengganda dan setoran berulang.<\/figcaption><\/figure>\nLangkah Pertama Anda Dimulai dalam 60 Detik<\/h4>\n Rintangan terbesar adalah memulai. Misi Anda, jika Anda memilih untuk menerimanya, sederhana saja:<\/p>\n
\nHari ini:<\/strong>\u00a0Teliti satu aplikasi pengumpulan atau periksa aplikasi perbankan Anda saat ini untuk mengetahui fitur tersebut.<\/li>\nBesok:<\/strong>\u00a0Luangkan waktu 5 menit untuk menyiapkannya. Tautkan kartu Anda, atur pengganda, dan aktifkan pembulatan.<\/li>\nBulan depan:<\/strong>\u00a0Bersiaplah untuk takjub. Buka rekening tabungan Anda dan saksikan keajaiban menabung secara otomatis dan mudah.<\/li>\n<\/ol>\nAnda bekerja keras untuk mendapatkan uang Anda. Sekarang, buat uang Anda bekerja untuk Anda - bahkan tanpa Anda perlu mengangkat jari. Ini bukan tipu muslihat; ini adalah sistem keuangan yang berjalan secara autopilot, yang dirancang untuk membuat Anda lebih kaya satu sen per satu.<\/p>","protected":false},"excerpt":{"rendered":"
Jujur saja. Kata anggaran bisa terasa seperti diet untuk dompet Anda - membatasi, membuat frustrasi, dan penuh rasa bersalah. Anda berkata pada diri sendiri bahwa Anda akan mulai menabung, tapi kemudian kehidupan terjadi. Minum kopi di sini, belanja online di sana, dan di akhir bulan, rencana penghematan besar itu lenyap tak berbekas. Bagaimana jika [...]<\/p>","protected":false},"author":1,"featured_media":261,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13,17],"tags":[19,45,33],"class_list":["post-258","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lifehack","category-money-budgeting","tag-lifehack","tag-save-500","tag-save-you-money"],"yoast_head":"\n
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