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Beberapa menit yang lalu, saya agak kaget dan menjurus ke panik. Laptop baru saya jatuh dan masih menyala. Hendak diklik tidak bisa. Keyboard hang dan tombol untuk mematikan pun hang. Sempat terpikir untuk menelepon sebuah nomor yang sering diiklankan di televisi. Nomor untuk bertanya apa saja seputar masalah laptop dan PC.
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Pengalaman saya di atas, saya ceritakan karena kita semua masih dan akan terkena dampak resesi dunia. Walau harga minyak mentah turun, tetapi harga kebutuhan bahan pokok tetap melambung. Ingin memakan nasi pulen dan harum harganya dua kali lipat dari harga beras pera (beras yang keras dan tidak harum).
Tidak ada anggota masyarakat dunia yang dapat lari dari resesi ekonomi. Adapun yang lari adalah dua orang miliarder dari Inggris dan Jerman. Mereka bunuh diri akibat tidak kuat menerima kenyataan bahwa perusahaannya bangkrut.
Bangkrut! Kata yang sering kita ucapkan. Bahkan, kalau kita ingin merendah atau mencoba menghindari peminjam uang. Sering terdengar perkataan, “Aah gue lagi bangkrut nih, lagi bokek!” Anda tidak ingin bangkrut, saya dan semua orang di mana pun tidak ingin bangkrut. Oleh karena itu, kita harus membuat cash flow penggunaan uang kita.
Agar tidak bangkrut, hindari membeli barang yang tidak bermanfaat. Hanya karena ada undangan pesta, maka Anda ingin membeli baju baru. Sekali pakai sudah disimpan. Di zaman resesi, orang yang bijak tidak akan menggunakan uangnya untuk membeli benda yang tidak urgent. Biarkan dana Anda mengendap di bank atau di bawah lipatan baju.
Singkirkan rasa gengsi di zaman resesi ini. Tahan nafsu Anda untuk membeli, bahkan kredit sangat dilarang.
Jika Anda harus menggunakan uang untuk keperluan penting dan mendesak, coba berpikir ulang. Apakah masih ada jalan lain agar pengeluaran bisa dihemat? Jangan mudah tergoda rayuan promosi toko atau merek tertentu. Di Belgia saja, pernah diiklankan membeli mobil satu dapat dua. Akibat masyarakat tidak berminat membeli mobil baru. Bahkan, banyak pengguna kendaraan pribadi di Eropa beralih ke kendaraan umum, seperti kereta api cepat dan bus umum.
Ibu rumah tangga biasanya yang sering kesulitan mengatur uang belanja. Sejak resesi menghantam dunia, saya langsung memangkas pengeluaran. Walaupun, suami saya adalah seorang pegawai negeri dan tidak ada ancaman bangkrut atau dipecat. Tetapi, akibat harga kebutuhan pokok mahal, saya coba mengubah pos-pos pengeluaran uang.
Misalnya, dana potong rambut dan ke salon dihilangkan. Saya potong sendiri rambut ketiga anak saya. Bahan kosmetik wanita yang bisanya mahal. Saya pangkas juga dengan cara hanya memakai kosmetik jika diperlukan saja. Biasanya, saya memasak masakan beberapa jenis. Saya kurangi jumlah menu, namun menu tetap harus sehat. Sebab, menu tersebut masih diimbangi dengan buah-buahan. Menggunakan air dan listrik seperlunya saja, agar tagihan dapat dibayar.
Prinsip saya, dalam zaman resesi ini, adalah menyelamatkan kondisi keuangan keluarga, agar jangan sampai dampak krisis—yang kadang membuat orang stress—menyerang kami. Biasakan bersyukur setiap hari dan berhati-hati dalam pengeluaran. Jika Anda terbiasa melihat televisi, coba hindari saat ada tayangan iklan di televisi. Sebab menurut penelitian, banyak ibu rumah tangga dan anak-anak terpengaruh oleh iklan televisi.[hnp]
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