Tips For Managing Lebaran THR So That It Doesn't "hit Through"

Ilustrasi (Karolina Grabowska / Pexels)

JAKARTA - A week before the celebration of Eid al-Fitr 2022, workers in the country began to receive the Hari Raya Allowance (THR). This moment is highly anticipated because THR as the "thirteenth" salary is often used to share with family. Unfortunately, this THR is often an income that just "hit through" and pass you by. Financial Planning Coach from Emtrade Aulia Akbar shares tips so that the income you receive including THR can survive and be used for better financial purposes, according to ANTARA, Tuesday, April 26.

"Many incidents where people's income is just passing through their accounts. This happens because there are no records and the cash flow deficit continues," said Aulia Akbar in a virtual event with DANA, Monday.

When financial records are not carried out, people often tend to spend their money on expenses that they want and are not a necessity.

In fact, the income that a person generates should be sufficient in advance for new needs after which it can fulfill desires. Call it some expenses based on desires such as luxury clothes, luxury bags, shoes, to things that are entertainment.

Often times the spending that is based on desire is spontaneous and unmeasurable so that it can cause your financial cash flow to experience a "bigger peg than a pillar".

For this reason, recording financial conditions should be done so that income including THR can be used to the maximum and does not just pass from your wallet.

Actually, it doesn't matter if you make transactions for expenses based on desires as long as it can be measured. Like the habit of drinking coffee in expensive cafes or the habit of watching movies at the cinema with luxurious services, it is okay to do it as long as you already have an estimate of the average expenditure that can be spent on these activities.

"For example, calculate the monthly expenses for these expenses, then add them up, for example, from January to March. We add the three and then divide according to the number of months. Now, we find the average, so if for example in the next month it turns out that the money spent is more than the average amount. then it means you have to stop because it's over budget," said Aulia.

Thus, your income including THR can be useful in accordance with your financial goals and of course your financial condition can be measured whether or not it is healthy.