Atur Keuangan Saat Hujan Angpao Imlek

IDXchannel

Perayaan Imlek sebentar lagi. Namun ada yang perlu diperhatikan agar perayaan tersebut tetap riang gembira. Perayaan Imlek pun perlu masuk dalam perencanaan keuangan agar tidak mengganggu pos-pos yang lainnya. demikian juga saat menerima angpao, perlu juga dikelola dengan baik agar tidak hanya lewat.  Bagaimana ya cara mengatur keuangan jelang imlek? Lalu bagaimana mengatur keuangan saat kita “dihujani” angpao?

Transcript

00:00 Thank you, Mr. Mirza, for joining us. I'm Prisa Sompedati, my colleague.

00:05 I'm Fajar Woy, and we're back again in the CreateUp segment.

00:10 This time, we're going to review an interesting topic,

00:12 both you and me, Prisa,

00:13 which is about the financial system during the rainy season.

00:16 We're going to discuss it with Mr. Charisma,

00:19 the financial planner.

00:20 Mr. Charisma, thank you for joining us.

00:22 What is the financial dilemma that people face

00:27 during the festive season like Eid al-Adha?

00:30 Actually, we talk about Eid al-Adha,

00:34 which is never left out of a combination of culture in Indonesia.

00:41 So, we talk about Eid al-Adha,

00:43 not only about the day,

00:45 but also the preparation of the day,

00:48 what to do on the day,

00:50 and after that, especially in this moment,

00:54 we're facing a long weekend.

00:56 We're lucky to celebrate it and get a holiday.

00:59 So, that's what we need to know from each other.

01:03 Before that, usually, when we talk about Eid al-Adha,

01:06 especially, there are preparations for us to spend other holidays.

01:11 For Muslims, usually on Eid al-Fitr,

01:14 or for Christians, usually on Christmas.

01:17 That's for sure, there must be preparation,

01:19 whether it's preparation from the side of welcoming guests,

01:22 when we're actually the hosts,

01:24 there's decoration,

01:26 there's preparation from our side as a family,

01:30 usually, it must be OOTD,

01:32 a variety of clothes,

01:34 in terms of color, design, and so on.

01:38 That makes, in the end,

01:40 especially when it's related to finance,

01:42 there are needs and also things that we can discuss later,

01:45 more deeply related to the angpau earlier.

01:47 It turns out that this is a fairly common phenomenon

01:50 on every Eid holiday in Indonesia,

01:52 where we have to prepare ourselves,

01:54 when we're already single,

01:55 and also, we're ready to accept,

01:57 when we're already single but not married yet,

01:59 or we're still children,

02:02 we have to know that there are things

02:06 that are a duty or a blessing for us

02:09 when we're actually spending Eid al-Adha.

02:12 Okay.

02:13 Mr. Karisma, how do you do it?

02:16 Because there were a lot of skepticism earlier,

02:18 and is there any energy to buy that,

02:21 to celebrate Eid al-Adha,

02:23 so that the atmosphere of Eid al-Adha is more felt?

02:25 How can we manage our finances

02:28 so that the term is not mentioned during Eid?

02:31 Yes, it's like other holidays.

02:34 Actually, Eid al-Adha,

02:35 we can already know the date, the month,

02:39 even though this is a different moment,

02:43 like Eid,

02:45 where there is a special invitation

02:48 that is prepared for that holiday.

02:51 But in this Imlek,

02:53 whether we want it or not,

02:54 we have to prepare it ourselves,

02:55 because there is no usual,

02:57 certain invitations that we get,

02:59 so we should, from a distance,

03:02 already know that there is a duty

03:05 for us to prepare this,

03:06 so that we don't get a hole in the bag,

03:10 at this moment,

03:11 or even we even owe,

03:13 this is dangerous.

03:14 And we don't know,

03:15 we are already in a hurry,

03:16 it turns out we are confused later.

03:18 That's what we have to avoid,

03:19 so that the preparation is mature,

03:21 and we don't follow it culturally,

03:24 or in a crazy way,

03:27 with other people,

03:28 that's what makes us able to,

03:30 in a wise way,

03:31 that's the point,

03:32 to follow this holiday.

03:33 Okay, good.

03:34 This seems to be getting more interesting,

03:36 related to financial planning.

03:37 We will continue later,

03:38 Mr. Karisma Usai Jedah,

03:39 the host of Betaplah with us.

03:41 We'll be right back.

03:43 The host is back with us in CreateUp,

03:45 and we'll continue our discussion today.

03:47 Mr. Karisma, this is related to,

03:49 IMLEC, then the bonus,

03:52 what should we pay attention to,

03:55 maybe we still get the bonus,

03:57 in this IMLEC,

03:58 and how to spend it,

04:00 so that we are wiser.

04:01 Oh, we still get the bonus, right?

04:03 Remember the ring.

04:05 Yes, for us,

04:08 it's the same, we still get the bonus.

04:10 The condition is,

04:12 we have to be able to manage,

04:15 so that what we get,

04:17 doesn't always,

04:18 we direct it to the consumptive things,

04:21 as much as possible.

04:22 Although,

04:23 no matter what,

04:24 the IMLEC holiday,

04:25 we have to celebrate it,

04:26 just like other holidays.

04:29 When we are in that condition,

04:31 actually,

04:32 the bonus from the family,

04:35 or what we get,

04:36 on that holiday,

04:38 it's not always required,

04:40 to burden us,

04:41 so that we have,

04:42 a positive financial condition,

04:44 that we can invest.

04:46 Actually, it's not like that.

04:47 But if it turns out to be possible,

04:49 and it becomes a bonus for us,

04:51 for example,

04:52 maybe we previously,

04:53 invested as it is,

04:55 routinely, every month,

04:56 and then there are certain holidays,

04:58 that make us,

04:59 can increase our investment,

05:02 to become more,

05:03 especially the moment,

05:04 maybe we can get a chance from there,

05:06 to get a bigger profit,

05:08 why not?

05:09 That's what actually makes,

05:10 in a big way,

05:12 there is no specific purpose,

05:15 so that we can invest,

05:17 at this moment.

05:18 But if it's possible,

05:19 it becomes an opportunity for us.

05:20 Okay, at this moment,

05:21 it's even used for,

05:22 the poor,

05:23 the poor,

05:24 the poor,

05:25 who are put in investment.

05:27 Mas Garis,

05:28 what is the actual percentage,

05:29 of the ideal budget,

05:30 for,

05:31 IMLEC?

05:33 Maybe we do,

05:34 a purchase for IMLEC,

05:35 this time?

05:37 Okay,

05:38 actually, in terms of budget,

05:40 the most wise thing is,

05:42 we can provide,

05:44 the needs,

05:45 that are not bigger,

05:47 than the pole.

05:48 That is always the point,

05:49 of a special plan,

05:51 or cash flow management.

05:52 Where,

05:53 if we have income,

05:55 it's better if we never,

05:57 provide more than what we get.

05:59 So,

06:00 if it turns out that the need is bigger,

06:02 then we have to find other sources,

06:03 Miss Prisa.

06:04 Whether it's from the loan,

06:05 if there is,

06:06 if there is not,

06:07 we have to,

06:08 fill in the previous months,

06:09 so that it doesn't,

06:10 get out of hand,

06:11 this month.

06:12 So that,

06:13 when the conditions come,

06:14 which never comes,

06:15 we know the moment,

06:17 we can,

06:18 provide it,

06:19 wisely.

06:20 The important thing is,

06:21 we have,

06:22 what is called,

06:23 budgeting.

06:24 A plan,

06:25 for us to,

06:26 adjust the budget.

06:28 We already know,

06:29 for example,

06:30 for decor,

06:31 I need,

06:32 3 million rupiah.

06:33 For the furniture,

06:34 for the family,

06:35 I need 5 million.

06:36 So,

06:37 the needs,

06:38 including food,

06:39 like that.

06:40 If we count all of it,

06:41 in the amount of 10 million,

06:42 then that's what we have to prepare,

06:43 this month.

06:44 Not only from the income,

06:45 this month,

06:46 but we have prepared it before.

06:47 Or maybe,

06:48 we already have the performance,

06:49 that we can take.

06:50 It should be far away,

06:51 yes?

06:52 That's right.

06:54 Actually, like this.

06:55 Okay, so,

06:56 actually,

06:57 we can compile,

06:58 whatever it is,

06:59 then,

07:00 from the budget,

07:01 and then,

07:02 what is the tip?

07:03 Because,

07:04 actually,

07:05 we use it for the spending,

07:06 and if we can invest,

07:07 then,

07:08 we are very grateful.

07:09 Yes,

07:10 especially,

07:11 after Eid al-Adha,

07:12 next month,

07:13 we are fasting,

07:14 then,

07:15 Eid,

07:16 then,

07:17 for Nasrani,

07:18 there is also Eid.

07:19 There are also many holidays,

07:20 that will need to spend money.

07:21 Hopefully,

07:22 this can be an inspiration for you.

07:23 Thank you,

07:24 Mas Haris.

07:25 Thank you.

07:26 May God bless you.

07:27 Okay,

07:28 that's my presentation,

07:29 this morning.

07:30 And,

07:31 before we end,

07:32 we will update again,

07:33 the position of the

07:34 index of the joint share price,

07:35 Yes.

07:36 It's 9 minutes past 27.

07:38 We can see,

07:39 from the index of the joint share price,

07:41 it is still moving in the green zone,

07:43 at 7272.20,

07:46 or,

07:47 0.34%.

07:48 The top gainers,

07:49 there are UNTD,

07:51 then,

07:52 this is the new income,

07:53 it's increased by 2.5%,

07:54 money,

07:55 it's increased by 8.04%,

07:57 TPMR,

07:58 it's increased by 1.57%,

07:59 Temas,

08:00 Tekim,

08:01 and also other 7 companies.

08:02 Yes,

08:03 the top losers,

08:04 still TOS,

08:05 KMTN,

08:06 which is also the new IPO,

08:07 it's decreased by 14.4%,

08:09 at 107%.

08:10 Widi,

08:11 LMAX,

08:12 SMLE,

08:13 NICE,

08:14 Bell,

08:15 and also,

08:16 HUMi,

08:17 the top losers,

08:18 at 9.28.

08:20 And,

08:23 it's been 90 minutes,

08:24 we accompanied you in Power Breakfast,

08:26 hopefully,

08:27 what we present can be a reference,

08:28 for your career,

08:29 business,

08:30 or your daily life.

08:31 I'm Prisa Somodhatu,

08:32 and I'm Fajar Wajan,

08:33 Power Breakfast.

08:34 See you!

08:35 See you!

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