Fri, 12/12/2025

Keterampilan Psikologis yang Jarang Dibahas dalam Literasi Keuangan, Jakarta

When discussing financial literacy, the focus is usually on the numbers, including how to manage a budget, save, and choose investment instruments. However, what is often overlooked is the psychological aspect that secretly influences almost all financial decisions. For example, the ability to manage emotions during impulsive purchases or when tempted to follow consumption trends. Uncontrolled emotions are often at the root of overspending and irrational decisions.

Another equally important skill is the ability to delay gratification. This is the ability to choose long-term benefits over immediate pleasures. In an era of instant gratification, the temptation to buy now with the convenience of PayLater or digital promotions makes this skill increasingly challenging. However, people with a strong level of delayed gratification are typically more consistent in saving, more aware of debt, and better able to develop long-term financial plans.