Kamu Harus Tahu Para Suami, ini 7 Tips Untuk Mengatasi Istri yang ‘BOROS’, Newsbaper

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foto via islamidia.com

Kebutuhan rumah tangga terbengkalai karena sifat buruk istri yang suka menghambur-hamburkan uang. Memang istri itu suka minta itulah yang inilah disaat suami berkecukupan.


Dan sifat istri yang boros ini sulit untuk dihilangkan. Karena sudah kecanduan untuk menghambur-hamburkan uang.

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Tapi para suami jangan cemas dengan sifat istri yang boros ini. Kamu bisa gunakan cara ini untuk mengatasi istri yang boros sebagaimana dikutip finansialku.com

1. Bicarakan Permasalahan


foto via bunda.co

Langkah pertama yang sangat penting dan harus dilakukan adalah membicarakan permasalahan yang terjadi. Terkadang istri mungkin tidak sadar bahwa kebiasaan borosnya adalah sifat yang buruk dan merugikan.

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Memang memberi nafkah istri adalah kewajiban seorang suami, tetapi jika sudah pada tahap yang berlebihan harus dihentikan.

Bicaralah terbuka dengan istri Anda agar ia menyadari kesalahannya dan akhirnya bersedia untuk mulai mengatasi permasalahan tersebut. Jika istri saja tidak mengetahui apa kesalahannya, masalah tidak akan bisa dipecahkan.

2. Tinjau Ulang Tagihan Bulan Lalu


foto via rumah.co

Menunjukkan tagihan bulan lalu adalah cara yang efektif untuk memberi tahu istri bahwa kebiasaannya sangat membebani Anda. Terkadang wanita tidak menyadari berapa banyak uang yang sudah ia keluarkan untuk berbelanja.

Mungkin harga per barang yang dibayar tidak terlalu mahal, tetapi jika dijumlahkan angkanya akan membuat syok juga.

Jumlahkan semua pengeluaran istri yang digunakan untuk hal-hal di luar kewajaran. Setelah menyadari jumlah yang sangat besar baru mungkin istri akan menyadari kesalahannya.

3. Buat Perencanaan Keuangan


foto via duwitmu.com

Membuat perencanaan keuangan jangka panjang adalah cara yang sangat efektif untuk mengubah mindset seseorang. Mungkin saat ini istri Anda merasa dapat menghambur-hamburkan uang karena tidak menyadari betapa besarnya kebutuhan yang harus dipenuhi di masa depan.

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Buatlah perencanaan keuangan yang terperinci sehingga ada istri Anda dapat melihat proyeksi biaya yang dibutuhkan untuk jangka panjang.

Jika sudah melihat betapa besarnya biaya yang dibutuhkan, baru istri akan sadar bahwa ia sudah menggunakan uang yang seharusnya dapat digunakan untuk memenuhi kebutuhan tersebut. Coba gunakan aplikasi Finansialku untuk mengelola keuangan Anda.

4. Perbanyak Frekuensi Pemberian Uang


foto via finansialku.com

Jika istri Anda biasa menerima uang bulanan dan menghabiskannya dengan tidak bijaksana, coba membagi anggaran tersebut dalam periode mingguan.

Istri akan merasa memiliki banyak uang di awal bulan karena anggaran yang ada di tangan adalah untuk satu bulan. Padahal uang yang banyak tersebut seharusnya digunakan untuk kebutuhan satu bulan

Mulailah memberi uang setiap minggu agar jumlahnya tidak terlalu besar dan istri menyadari berapa sebenarnya jumlah yang seharusnya bisa ia habiskan setiap hari. Jika istri sudah terbiasa dengan ritme keuangan yang seharusnya, mulai kurangi frekuensi memberikan uang.

Anda tentu tidak bisa terus-menerus kerepotan memberi uang setiap minggu, pada akhirnya istri tetap harus dapat mengatur keuangan bulanan dengan baik. Cara ini dapat membantu melatih istri untuk menghabiskan uang sesuai porsinya.

5. Buat Komitmen dengan Istri


foto via wajibbaca.com

Setelah membuat perencanaan keuangan dan menjelaskan dimana letak kesalahan istri, buatlah komitmen bersama untuk memenuhi kebutuhan keuangan.

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Tanamkan komitmen untuk mementingkan kepentingan bersama, bukan hanya kepentingan pribadi. Pastikan Anda dan istri berkomitmen menjaga dan menggunakan uang dengan baik serta sesuai dengan anggaran bulanan yang sudah ditetapkan.

6. Tetapkan Hukuman


foto via islampos.com

Setelah berkomitmen tetapkanlah hukuman yang akan diterapkan jika istri melanggar komitmen yang sudah disetujui. Jika istri melakukan kesalahan satu kali lagi maka tetapkan hukuman yang tidak terlalu berat, jika terulang lagi berikan hukuman yang lebih berat.

Pastikan istri Anda mengetahui hukuman yang telah Anda tetapkan di awal agar istri Anda berpikir dua kali jika ingin menghambur-hamburkan uangnya lagi.

7. Ajarkan Berinvestasi


foto via kreditgogo.com

Jangan lupa untuk mengajarkan istri Anda cara berinvestasi. Buatlah berinvestasi menjadi kebiasaan istri Anda. Ingatkan bahwa investasi tidak harus selalu bermodal besar.

Jika istri memiliki uang lebih walaupun hanya sedikit segeralah dorong untuk berinvestasi. Jangan sampai uang tersebut hanya habis untuk hal-hal yang percuma. Tanpa disadari kebiasaan menghabiskan uang ‘sisa’ seperti itu akan memupuk kebiasaan boros.

Pada awalnya memang hanya sedikit uang yang bisa dibelanjakan, tetapi karena sering akan menjadi kebiasaan. Kebiasaan ini kemudian berubah menjadi kebutuhan sehingga yang bukan uang sisa pun akan kembali terkeruk untuk pemborosan.

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Jika terbiasa berinvestasi, dengan sendirinya istri akan memiliki mindset ‘lebih baik uang diinvestasikan daripada dibuang-buang percuma’.Bila perlu Anda bisa membukakan rekening investasi tersebut untuk istri Anda. Misalnya buka rekening reksa dana yang kemudian harus dikelola oleh istri Anda, dengan begitu tidak ada alasan untuk istri malas atau tidak mengerti bagaimana cara mengurus investasi.

Pastikan Anda terus memantau kemajuan investasi istri setiap bulan. Jangan sampai ternyata investasi tersebut tidak pernah dikelola dan dibiarkan begitu saja. Langkah ini selain dapat mengatasi keborosan istri, juga dapat membantu Anda mencapai tujuan keuangan di masa depan.

Kebiasaan Boros Bisa Diatasi

Istri yang boros adalah beban yang berat bagi seorang suami. Sebesar apa pun gaji Anda tidak akan pernah mencukupi kebutuhan keluarga.

Tidak mudah mengatasi kebiasaan buruk seperti ini, akan tetapi Anda tidak bisa membiarkannya begitu saja. Lakukan langkah-langkah untuk mengatasi sifat istri yang boros tersebut. Pastikan juga istri Anda menerima edukasi mengenai perencanaan keuangan yang baik agar mindset boros dapat segera dihilangkan.

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