{"id":1337,"date":"2026-10-07T11:02:45","date_gmt":"2026-10-07T11:02:45","guid":{"rendered":"https:\/\/shopeepay.co.id\/blog\/?p=1337"},"modified":"2026-10-07T11:02:46","modified_gmt":"2026-10-07T11:02:46","slug":"cara-mengatur-keuangan-agar-tidak-fomo","status":"publish","type":"post","link":"https:\/\/shopeepay.co.id\/blog\/cara-mengatur-keuangan-agar-tidak-fomo","title":{"rendered":"FOMO vs Financial Freedom: Mulai dari Kenali Pola Keuanganmu"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Kemudahan transaksi digital membuat banyak hal menjadi lebih praktis. Namun, di tengah promo, tren, dan berbagai hal menarik yang kita lihat setiap hari, kemampuan mengelola keuangan dan mengontrol diri menjadi semakin penting.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Hal inilah yang menjadi salah satu pembahasan dalam <strong>ShopeePay Goes to UI: FOMO vs Financial Freedom<\/strong>, yang mempertemukan lebih dari 300 mahasiswa Universitas Indonesia pada 15 September 2026 dengan para praktisi untuk membahas kebiasaan finansial di era digital.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Lalu, bagaimana cara mulai membangun kebiasaan finansial yang lebih sehat?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1. Kenali pola pengeluaranmu<\/strong><strong><br><\/strong>Coba cek kembali riwayat transaksi secara berkala. Dengan mengetahui ke mana uang paling banyak digunakan, kamu bisa lebih mudah membedakan kebutuhan, keinginan, dan pengeluaran yang mungkin muncul karena impuls sesaat.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2. Buat alokasi dan batas pengeluaran<\/strong><strong><br><\/strong>Tentukan budget sesuai kondisi keuanganmu. Alokasi sederhana untuk kebutuhan sehari-hari, hiburan, dan tabungan dapat membantu menjaga pengeluaran tetap terarah.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>3. Jangan biarkan FOMO mengambil keputusan untukmu<\/strong><strong><br><\/strong>Tidak ada salahnya menikmati tren atau promo selama sesuai dengan budget. Sebelum bertransaksi, tanyakan kembali: apakah memang dibutuhkan dan apakah masih sesuai dengan kemampuan keuangan?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>4. Biasakan mengecek, bukan hanya mencatat<\/strong><strong><br><\/strong>Pencatatan akan lebih bermanfaat jika digunakan untuk mengevaluasi kebiasaan. Fitur seperti <strong>My Finance di ShopeePay<\/strong> dapat membantu pengguna melihat riwayat transaksi dan memahami tren pengeluaran secara lebih praktis.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pada akhirnya, financial freedom bukan sesuatu yang terjadi dalam semalam. Kebiasaan sederhana seperti memahami pengeluaran, membuat budget, dan menjaga kontrol diri bisa menjadi langkah awal untuk mengambil keputusan finansial yang lebih bijak.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2014<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Download aplikasi ShopeePay sekarang untuk pengalaman transaksi yang lebih mudah, cepat, dan menguntungkan.<br><br>ShopeePay berizin dan diawasi oleh Bank Indonesia.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-3a88641f wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/apps.apple.com\/id\/app\/shopeepay-bayar-transfer\/id6455990519 \"><img loading=\"lazy\" decoding=\"async\" width=\"314\" height=\"94\" src=\"https:\/\/shopeepay.co.id\/blog\/wp-content\/uploads\/2024\/11\/App-Store.png\" alt=\"\" class=\"wp-image-218\" srcset=\"https:\/\/shopeepay.co.id\/blog\/wp-content\/uploads\/2024\/11\/App-Store.png 314w, https:\/\/shopeepay.co.id\/blog\/wp-content\/uploads\/2024\/11\/App-Store-300x90.png 300w\" sizes=\"auto, (max-width: 314px) 100vw, 314px\" \/><\/a><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.shopeepay.id&amp;hl=en_SG&amp;pli=1 \"><img loading=\"lazy\" decoding=\"async\" width=\"314\" height=\"94\" src=\"https:\/\/shopeepay.co.id\/blog\/wp-content\/uploads\/2024\/11\/Google-Play.png\" alt=\"\" class=\"wp-image-219\" srcset=\"https:\/\/shopeepay.co.id\/blog\/wp-content\/uploads\/2024\/11\/Google-Play.png 314w, https:\/\/shopeepay.co.id\/blog\/wp-content\/uploads\/2024\/11\/Google-Play-300x90.png 300w\" sizes=\"auto, (max-width: 314px) 100vw, 314px\" \/><\/a><\/figure>\n<\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">\u2014<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Butuh Bantuan?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Jika Anda mengalami masalah, hubungi Customer Service atau cek Pusat Bantuan di aplikasi ShopeePay<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kemudahan transaksi digital membuat banyak hal menjadi lebih praktis. Namun, di tengah promo, tren, dan berbagai hal menarik yang kita lihat setiap hari, kemampuan mengelola keuangan dan mengontrol diri menjadi semakin penting. Hal inilah yang menjadi salah satu pembahasan dalam ShopeePay Goes to UI: FOMO vs Financial Freedom, yang mempertemukan lebih dari 300 mahasiswa Universitas [&hellip;]<\/p>\n","protected":false},"author":10,"featured_media":1338,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[],"class_list":["post-1337","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-shopepay"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.8.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>FOMO vs Financial Freedom: 4 Cara Mulai Atur Keuangan<\/title>\n<meta name=\"description\" content=\"FOMO bisa memengaruhi kebiasaan belanja dan keuangan. 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