Menyikapi Euforia THR

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Puasa Ramadan sudah berjalan setengah bulan. Lebaran tinggal dua minggu lagi. Artinya, banyak di antara kita sudah menerima tunjangan hari raya (THR). Termasuk saya. Menjelang lebaran, THR memang menjadi hal yang paling dinanti oleh masyarakat kita. THR bagaikan pelengkap sempurna dalam memungkasi perjalanan ramadan selama sebulan penuh.

Semua bersuka cita. Di saat pertengahan Ramadan dianggap sudah mulai menyurutkan stamina, kehadiran THR dirasa menjadi seteguk air segar yang kembali membuat bersemangat dalam berpuasa (Wah, semangat puasa kok diukur dari THR ya?) Coba lihat iklan sirup yang sering ditayangkan di televisi beberapa waktu lalu. Para pegawai restoran begitu ceria usai menerima uang THR mereka. ”THR, mudik… THR, mudik…” Memang itulah potret kita usai menerima THR. Lha wong suasana kantor saya juga heboh begitu deretan angka dipastikan sudah menghiasi rekening 🙂

Tak salah kok menikmati THR, yang penting jangan sampai larut dalam euforia. Mengapa? Tak lain karena THR tak lebih dari ’kesenangan sesaat’. Bisa dipastikan, begitu lebaran usai, gaung THR pun menghilang. Alias uangnya sudah habis 😀

Jadi, supaya THR terasa lebih bermakna dan bermanfaat, ada baiknya kita pandai-pandai mengelolanya. Ada beberapa tips yang saya harap bisa berguna:

  1. Simpan uang THR di rekening yang tidak memiliki ATM atau kartu debit agar THR tidak langsung dibelanjakan. Ini perlu agar kita tidak dapat leluasa menarik uang dari mesin ATM atau belanja dengan kartu debit setiap saat.
  2. Sisihkan 10% untuk ditabung. Makin besar porsi yang ditabung, makin baik. Jika ingin membeli barang, cobalah memilih produk bernilai investasi, seperti emas. Gunakan kesempatan ini untuk menabung lebih banyak dari biasanya.
  3. Susun daftar barang atau keperluan yang harus didahulukan. Sisihkan untuk membayar THR orang yang bekerja di rumah kita, seperti pembantu dan sopir. Alokasikan sebagian lainnya untuk membeli makanan dan kue. Sebaiknya jangan membeli pakaian terlalu banyak.
  4. Jika ingin mudik, sebaiknya susun rencana jauh hari sebelumnya dengan memperhitungkan kenaikan harga tiket. Kurangi belanja yang tidak perlu. Sebaliknya, fokuskan pada biaya yang akan dikeluarkan selama perjalanan mudik, di kampung, dan perjalanan pulang.
  5. Sebagian dana bisa digunakan untuk melunasi atau mencicil utang. Ketika lebaran mungkin rasanya uang THR tidak menjadi apa-apa, namun dampak positifnya akan terasa di kemudian hari, karena beban utang menjadi berkurang atau bahkan habis sama sekali.
  6. THR boleh juga digunakan untuk investasi. Jika ingin aman, sebaiknya berkonsultasi dengan pakarnya. Salah satu investasi yang aman adalah untuk membayar premi asuransi pendidikan anak, kesehatan, atau jaminan hari tua. Bagaimanapun, bagi yang ingin lebih syar’i, opsi ini boleh tidak dilakukan.

Jadi, mari kita gunakan uang THR kita sebaik mungkin. Lebaran sebentar lagi…

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