Newsdelivers.com –
Good news for workers in DKI Newsdelivers.com, because the 2024 Minimum Wage (UMP) has officially increased by 3.6 percent. If previously the UMP was IDR 4.9 million, now it is set to increase to IDR 5,067,381.
Many people welcomed this news. However, you have to be smart about managing your salary increase next year, Mother.
A salary increase that is not balanced with healthy cash flow can cause your monthly finances to remain broke. For people with a salary of around IDR 5 million, what are some tips for managing finances to meet their daily needs?
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Tips for managing a salary of IDR 5 million
Check out these tips to keep your financial records healthy!
1. Control desires
When their salary increases, many people change their lifestyle and standard of living. If you also do this, you should allocate it wisely so you don’t have a monthly budget deficit.
Set aside 10 percent of your monthly salary to buy and do things you like. For example, watching movies, shopping or eating outside the home.
2. Set aside emergency funds
Even if your salary feels limited, it is still important to set aside income for an emergency fund. How do you determine an emergency fund budget for people who are married?
Make records of income and expenses, to control monthly finances. Start saving an emergency fund by taking 10 percent of your income, until you have collected money equivalent to six times your monthly expenses.
3. Activate BPJS Health
Many people consider that BPJS Health membership is not important. Stop these thoughts from now on!
Make sure your workplace always pays BPJS Health contributions, in case you get sick at any time. This is important so that mothers do not spend large sums of money if they have to seek treatment, whether outpatient or inpatient at the hospital.
What about independent health insurance?
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(rap/rap)