Browsing Category

Finance

Finance Self growth Thoughts

Bicara Finansial

13th May 2018 - 6 min read

Kemarin-kemarin ini saya secara tidak sengaja menemukan instagram independent financial advisor company bernama Jouska.id yang ternyata sudah banyak sekali difollow oleh orang-orang. Menarik sekali isi-isinya yang meliput sekitaran, tabungan, investasi, gaya hidup modern, hedonism dimana semuanya berkesinambungan. Yang menarik buat saya adalah banyaknya cerita mengenai orang-orang yang terlilit hutang dan bagaimana orang-orang yang selalu merasa kekurangan seiring bertambahnya pemasukan mereka.

Menurut saya (padahal nggak ada yang nanya hehe), semuanya kembali lagi pada prioritas. Different personality, different priority, indeed. Semua pengeluaran yang kita keluarkan adalah pilihan, termasuk kewajiban membayar cicilan selama keputusan membeli di awal adalah keputusan kita sendiri. Untuk saya, aset adalah beban, saat bicara aset termasuk mobil, rumah, dan sebagainya. Aset juga tidak selalu baik. Menurut saya adalah penting untuk set goals dan priority di awal kemana uang akan dialokasikan. Sama seperti hidup, saat kita tidak mempunya goal dan impian, maka hidup akan berjalan berdasarkan aliran yang berjalan disekitar kita. Ibarat kayu di sungai, kita ngikut aja dan saat sadar, kayu itu sudah berada di mulut air terjun dan akan berlanjut ke laut. Intinya, kita punya power untuk memiliki kontrol akan hidup kita yang harus kita gunakan. Same with money, if you don’t have goal and idea on what to use your money for, you’ll be controlled by money before you know it. 

I used to be the person who relates money with greed. Itulah kenapa saya sempat sangat idealis dan hampir menghentikan karir saya saat ini karena saya merasa kesel dengan diri saya sendiri untuk bekerja di corporate in which I think I know I don’t belong to. While in fact, money should have no positive or negative connotation. Money is just a number, and that is the way our society function. First and foremost, change your money mindset. Money is empowering, it helps me to make me who I am. Saya akan tetap mengejar mimpi saya diluar dunia korporasi, but I can’t deny that it helped me to get me where I am now. Sepertinya uang di bank saya tidak banyak, tapi looking back, I have actually done quite some. Experiences I can’t count on, not materialistic things that fades away. Nggak ada yang salah dengan memiliki impian material, tapi kita harus tau dan bisa mengukur apa itu cukup? Karena saat kita selalu mengikutinya, tidak akan pernah ada kata cukup.

Let’s face it! Everything we do and we decide, there is always money involvement around it. Kita boleh justifikasi bahwa uang nggak membeli kebahagiaan dan uang adalah root of all evil. Masalahnya bukan di uangnya sendiri, tapi gimana kita pakainya yang determines its true value. Kalau kita bisa menggunakan uang secara bijaksana, we can do a lot of things with it, bantu keluarga, temen, sosial, dan banyak hal baik lainnya. Fondasi dalam finansial itu adalah SPENDING, bukan investing atau saving. Dan saya setuju banget akan hal itu.

Saya bukan expertise (obviously), tapi kepercayaan dan prioritas saya mengimbangi keputusan-keputusan saya dalam menggunakan uang. Beberapa teman saya bertanya, gimana caranya bisa sering travel, pasti uangnya banyak. It’s not about that. But I sacrifice other things in order to gain something I think it’s more important. Saya nggak sering makan diluar, saya nggak belanja sembarangan, saya pake sistem weekly groceries instead of buying when needed. Karena realitanya adalah, I am no billioanire. I need to spend my money wisely. Saat temen-temen pergi keluar nongkrong tiap hari, selain karena it’s not really my style, but hey if you accumulate how much money will be spent monthly for that, you might want to think twice. I do go out from time to time, but I also invite people over to my place where I cook for them. It’s nicer untuk menjamu orang, it’s cheaper, and you gain more close engagement with your relatives or whoever it is. Win-win right?

Realistis dalam mengeluarkan uang juga adalah salah satu hal penting yang harus ditanamkan di kepala kita. Jangan membeli sesuatu diluar dari kapasitas kita. Dan jangan membeli sesuatu yang nantinya akan menjerumuskan kita, seperti mobil seharga milyaran contohnya sedangkan pemasukan tidak sepadan dengan gaya hidup ini.

Tabungan adalah angka fix yang harus dialokasikan, sama seperti zakat. Bukan mengalokasikan saat sudah tersisa.

Satu hal yang saya notice, di Indonesia semuanya soal life style, if you don’t look rich you will be ignored in a nice place, if you do not wear something cool you will that look get tatapan dan komen nyinyir dari orang disekeliling. Perlakuan orang akan berubah saat kita naik kendaraan tertentu dan pakai tas tertentu, dan disitu gengsi kita akan diuji. Tapi disitulah value kita sebagai manusia juga akan diuji.. Do not do or buy something you know you do not want or need. Never buy something because all the others have it. Don’t we want to be different? Do not let the society defines you by your look, let them define you by your value and knowledge. At the end of the day, saya percaya kok orang-orang yang stick around adalah orang-orang yang satu frekuensi. Jadi menjadi diri sendiri adalah juga cara untuk memfilter pertemanan.

Money is important but it’s more important to understand that we have all the power to control the money, before we get controlled by the money.

Family Finance Self growth Thoughts

Becoming minimalist day by day

6th April 2015 - 7 min read

It’s ironic how human tends to waste money for something unnecessary, by human it is certainly including me.
Start from last year after getting a job, simultaneously I am more considerate about how people are living on the other side of the world. It just happenned to me after I have witnessed lots of things in my 20 yrs of existence and Unfairness still predominently filling my mind seeing those who suffer somewhere else. I feel guilty to have all the glitz and glam while other people are in challenged and having a difficult time. I am glad that my surroundings keep me grounded because the actual testing for human is not when they are poor and suffer, but when they are high and happy – a saying by someone famous. It’s literally the real ordeal when we have everything. I m not saying at all that I am rich, in fact I am hardly saving up for my future plans. But after all, I am earning some amount of money monthly which were something new for me, that thankfully relatively more than what my age earns, especially in my own country. And that transition period normally creates more demand and consumpiton in humany daily behaviour. And that is true..

I thank God that from my childhood, my dad has been very discipline about conducting considerably great parenting to be invested in all of his children. He’s never spoiled any of his kids, well according to my siblings, I have always been the one he has spoiled and yet I have never felt so. Therefore, i can imagine what my siblings were feeling growing up. He’s the most headstrong man and knows exactly where to stand, which at the end creates the best example for four of us. He has planted a mindset to be always live moderately and share fully. 

He is the best philantrophic whom I can always look up to. I remember when I was kid, I cried asking for a cellphone just because all of my friends had them. As a teenager, I felt life was unfair, or well he was unfair because I know he had the money. I could not understand the whole concept of being modest, and the reasoning of it. …. It’s because my family is adequate financially. I always got jealous watching other kids in junior high school running around with their branded stuff, while I barely got new pair of shoes after the other one broken. My dad always says, wear till it’s torn apart and can’t be worn anymore. Otherwise it’s a waste because there are people who can’t even think of buying new shoes, because they are busy thinking how to live and what to eat tomorrow. Little did I know, he has been responsible in some people’s college tuition fee.

Tracing back, I actually have been a compassionate person from when I was a kid in which I think that’s the result of my dad ‘s lesson, by compassionate I mean I can’t stand seeing people in front of me suferring. However, I still buy a lot of unnecessary things with my pocket money or money I earned from working part time. Although it may seem that the whole concept of being modest and minimalist are not acquired so well by me, but it recorded in my brain so well that subconciously that lesson has always stayed. I noticed when I walked in to 20th period of my existence on this planet… when my eyes are wider-open and when I start carefully listening to my inner core. I feel guilty to spend too much money on something. I want to live modest like my dad and share some to other people, yet i didn’t have money that time because I was still a student.

Now that I have a job, I practice of what my dad taught me and understand why he’s never easy in
giving me something. Because all those things require hardwork. And because everything I acquired up to this point involved hardwork, I’ve never been an impulsive spender. I start to understand the value of things.. I try my best to spend things wisely. Too many of my friends older than me have no savings in their 30s and I dont want that to happen to me. Instead, I would love to be able to be a philantrophic by then, meaning that I can already build an empire of my own, before helping others……

The way of keeping my financial running and be minimalist is as following:

1. Invest in any kind of investement instrument: Reksadana.. I am still learning, and got opinion from here and there not to play stocks or trading just yet until I am confident and have the time to. Keep the money running and not stay in place.
2. It’s okay to buy things, at the end life should be balance, but also give up something.
3. Give away extra stuff you have, I cannot really define extras, because you will never get enough. Think about it, thesedays, people have too much stuff that when things lost in between (got stuck in the laundry machine or borrowed by someone), you don’t even notice. So give away, it may end up in someones in need. There is redcross bin in particular locations in the Netherlands, so everything is well maintained and distrubuted. I usually throw my wearable textiles or shoes there.
4. Donate your money to clean up your financial account. I personally believe that sharing your income to people in need will even give you more blessings (It’s something taught in my faith/religion). It feels great to give back to society.
5. Target secondary expenditure every month, allocate to travel, concert, living life basically.

I sure will teach my kids not to buy things but to learn a value of something and to be modest. Again, this is me.. On the other hands, my dad also always says “we can believe what we have believe in is right, but there’s always chance that what other people believe is also right”