Article
Manage Family Finances with Salaries of Rp3-4 Million / Month
Dec
Managing family finances is not easy. This becomes a common thing felt by many people after marriage.
Everyone’s income or financial post is different. There are people who have salaries above Rp10 million, but there are also people who only get a salary of UMR, which is around Rp3 or Rp4 million for the Jabodetabek area.
According to the Financial Planner, Putri Madarina, actually any salary that goes into monthly income can be processed with the same financial concept. You should still start setting aside a few percent of your total income for investments.
- Focus on the main needs
When finances are not stable, Mommy needs to make sure the main needs have been met, nih. Therefore, Mommy must focus on the needs of clothing, food, and boards.
“Back to basics, focus on the main needs of clothing, food, and boards. After that, focus on the needs in the future, “he explained.
“For budget entertainment can be from the allocation if there are additional funds,” he continued later.
- Discuss expense posts
When you and your husband work together, it’s a sign that you and your husband have their respective spending posts and styles in managing finances. You and your husband should still discuss expense posts even if they are not the same.
“Every couple has their own style. Although husband and wife work together, but each expenditure post can be discussed and it does not have to be the same,” he said.
“So the main key to a couple’s financial arrangement is not in technical matters but rather fundamentals such as tricks to communicate with the couple and what kind of financial division,” Puma continued.
- Preparation of children’s education funds
If you and your husband already have children, you can start to set aside a little income for their education costs later.
The most ideal investment portion is 30 percent of income and prioritizes emergency funds. If your child is close to going to school, then you can allocate 20 percent to reach the target of tuition.
