JAKARTA - Certified Financial Planner Aliyah Natasya shares tips so that people can better manage their finances, one of which is for people to prioritize saving when receiving income.
"Before regulating cash flow, actually money is very personal in nature. So what we have to manage is ourselves. If we have good self-control, usually the financial management control is also good," Aliyah said during a virtual press conference, quoting ANTARA, Tuesday, July 19.
"The tips are not to be carried away, for example the pandemic is about to end, we can relax. Yes, but what we must not be carried away is that we still have to have funds saved. So whatever the incoming funds are, we have put 10 percent into savings," he added.
Furthermore, Aliyah said that generally people spend money according to their needs first. After that, they will save the remaining money after meeting all their monthly needs. However, Aliyah explained that saving first was an important thing to do. Because if you have saved, your monthly needs will automatically follow the rest of the finances owned by each individual.
"Why do you have to save something first? Because basically humans will survive with whatever they have. It will be enough. So if you shop first and then save, it's the other way around. You have to save first, spend later," explained Aliyah.
If you have installments, Aliyah also recommends that people do not have bills of more than 30 percent of their total income. Because if it is more than that, then the funds to meet other needs will be disrupted.
"90 percent of the amount can be adjusted for each person's needs. If the main needs are 50 percent, 30 percent is already in installments. Any installments. Limit having debt installments of more than 30 percent. Why? " said Aliyah.
"The only thing we sometimes forget is that if we are given a limit, the limit is ours completely. So sometimes we might be able to see, for example, given a limit of 20 million, while our salary is only 6 million. So, things like this we should be careful about," the lid.
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