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Ini Untungnya Menyimpan Uang Koin

Ini Untungnya Menyimpan Uang Koin

bisnismetro.co.id – Anda tentu tahu kalau uang tunai yang kita miliki dapat dibagi menjadi dua kategori besar, yaitu uang kertas dan uang koin alias uang receh. Uang kertas memang berguna untuk berbagai macam transaksi dari kecil hingga besar, namun uang koin sering dianggap ribet karena membuat dompet berat dan gemuk.
Keribetan uang koin sering membuat pemiliknya tidak peduli ketika uang tersebut tercecer dan hilang. Meskipun nilai setiap uang koin tidak terlalu besar, koin tetap membantu dalam manajemen keuangan sehari-hari. Simak lima keuntungannya berikut ini.
1. Mendisiplinkan diri dan melatih ketelitian
Saat mulai menerima banyak uang receh kembalian, luangkan waktu sedikit untuk memilah-milah receh tersebut. Hal ini mempermudah Anda untuk menghitung jumlah uang receh yang telah dikumpulkan. Selain itu, hal ini juga membantu Anda untuk melakukan empat cara bijak lainnya.
Kalau koin banyak, Anda akan terlatih untuk menjadi disiplin memisahkan uang kecil dan besar serta menyimpannya dengan rapi.
Baca juga: 4 Cara Cerdas Mencegah Pemborosan di Bulan Ramadan!
2. Bisa ditukar menjadi uang besar
Pengusaha kecil seperti pemilik warteg, koperasi, atau minimarket membutuhkan koin receh untuk kembalian. Kalau mereka sering ‘membulatkan’ harga dan tidak memberikan kembalian kepada pelanggan, bisa-bisa mereka akan ditinggalkan karena dianggap ‘pelit’ oleh para pelanggan. Jadi, jangan malu untuk menukar sekarung uang koin di warteg langganan.
Baca juga: 5 Cara Bijak Melakukan Alokasi THR di Bulan Ramadan
3. Manfaatkan sebagai alat pembelajaran keuangan bagi anak kecil
Salah satu hal bijak yang bisa Anda lakukan dengan receh adalah menjadikannya media untuk mengajari anak-anak menabung. Kalau Anda punya anak, adik, atau keponakan yang masih kecil, ajari dia menabung dengan koin receh untuk disimpan di celengan.
Prinsip menabung lebih baik diajarkan sejak dini kepada anak-anak karena pastinya akan membantu si anak di kemudian hari. Anda juga bisa gunakan uang receh sebagai hadiah jika anak tersebut membantu, misalnya melakukan pekerjaan rumah ringan.
4. Dapat digunakan untuk donasi atau sedekah
Ada banyak orang yang membutuhkan uang sekecil apapun di sekitar kita. Anda bisa menggunakan koin-koin receh tersebut untuk membantu mereka yang membutuhkan uang tersebut.
Sayang bukan dariapada koin receh tersebut hilang, lebih baik disisihkan bagi yang kurang mampu dan lebih membutuhkan.
Baca juga: 5 Peluang Bisnis di Bulan Ramadan untuk Menambah Barokah!
5. Bisa menambah tabungan
Pernah dengar peribahasa “sedikit-sedikit lama lama jadi bukit”? Nah, peribahasa tersebut juga dapat dimanfaatkan untuk uang receh. Sekarang coba bayangkan kasus berikut ini.
Misalkan Anda menerima koin receh kembalian setiap hari sebesar Rp1.000. Dalam 1 bulan atau 30 hari, Anda akan mengumpulkan Rp30 ribu. Berapa jumlahnya dalam 1 tahun? Ya, jumlahnya akan menggunung menjadi Rp365 ribu. Jumlah yang lumayan, bukan?
Meskipun jelas tidak sebesar tambahan dari menabung dengan cara menyisihkan gaji, uang receh tetap berguna untuk mempercepat pengisian tabungan. Kalau Anda sedang menabung untuk membeli mobil impian atau memulai usaha, berhemat dalam pengeluaran sehari-hari dan mengumpulkan receh merupakan salah satu cara cerdas untuk mempercepat pengumpulan tabungan tersebut.
Cara lainnya, Anda bisa coba memanfaatkan fasilitas pinjaman tanpa agunan (KTA). Pastikan agar Anda meminjam produk KTA yang tepat sesuai kebutuhan agar tidak terbebani dengan pelunasan cicilan bulanannya. Gunakan situs perbandingan produk keuangan populer seperti HaloMoney.co.id untuk mempermudah melakukannya.

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