orang-tua

Jakarta, beritarokokslot.com – Ketika berbicara tentang perawatan orang tua dalam konteks perencanaan keuangan, penting bagi orang tua untuk dapat mempersiapkan masa depan yang lebih baik bagi anak-anak mereka tanpa harus sepenuhnya mengandalkan mereka secara finansial.

Namun, dalam realitasnya, faktor ekonomi, kesehatan, dan kurangnya pemahaman tentang keuangan dapat membuat rencana tersebut sulit terwujud. Akibatnya, ada kemungkinan orang tua akan menanggung hidup mereka sepenuhnya oleh anak-anak mereka.

Pertanyaannya kemudian adalah, bagaimana kita dapat menemukan solusi yang baik untuk merawat orang tua yang telah berperan sangat besar dalam hidup kita? Berikut adalah beberapa saran yang dapat dipertimbangkan.

Berikan jaminan kesehatan sesuai kemampuan

Ini mungkin menjadi prioritas utama yang harus terpenuhi. Biaya medis tidaklah murah, dan penyakit kritis sangat mudah muncul dan menyerang orang di usia senja.

Tanpa jaminan kesehatan, maka Anda harus menanggung biaya berobat yang luar biasa mahal di ketika musibah itu muncul.

Jaminan kesehatan tidak mesti berbentuk asuransi kesehatan swasta, melainkan bisa dalam bentuk BPJS Kesehatan yang iurannya jauh lebih murah. Dengan membayar iuran BPJS secara rutin, maka proteksi pun akan aktif dan orangtua Anda bisa berobat dengan gratis di berbagai fasilitas kesehatan.

Atur ulang pengeluaran rumah tangga

Catat ulang pengeluaran rutin Anda dalam sebulan, dan setelah itu Anda bisa membuat pos pengeluaran sendiri untuk pengeluaran orangtua, mulai dari makanan, kebutuhan sehari-hari dan lain sebagainya. Peningkatan jumlah pengeluaran adalah hal yang wajar terjadi untuk saat Anda harus merawat orangtua.

Tanpa pencatatan keuangan, maka Anda tidak akan mendapat gambaran seputar berapa pengeluaran yang bisa Anda alokasikan ke orangtua. Pengeluaran orang tua bisa saja menjadi pengeluaran variabel (tidak tetap) dan bisa membuat Anda mengalami defisit arus kas bulanan.

Kurangi pengeluaran gaya hidup Anda

Mengurangi bukan berarti benar-benar menghilangkan pos pengeluaran tersebut. Walau beban keuangan terasa berat, Anda tetap harus bisa memiliki waktu sendiri untuk bersenang-senang dengan menggunakan uang pribadi.

Hanya saja mau tidak mau, pengeluaran ini harus dipotong agar Anda memiliki uang lebih yang bisa dimanfaatkan untuk menanggung hidup orangtua Anda.

Alokasikan saja dana untuk keperluan gaya hidup atau melakukan hal yang Anda sukai sebesar 10% dari pemasukan.

Tambah pemasukan Anda

Solusi dari sebagian besar masalah keuangan tentu saja adalah dengan menambah pemasukan bulanan. Namun ketahuilah bahwa tidak semua orang terlatih dan terbiasa dengan hal yang satu ini.

Pelajarilah skil atau keterampilan baru agar dan carilah peluang-peluang kerja sampingan yang bisa Anda lakoni demi merawat orangtua.

69 thoughts on “Cara Atur Keuangan Bagi Mereka yang Merawat Orangtua”
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