Think of this holiday allowance or THR as the 13th salary and bonuses received by employees. Although as an additional income, you still need to use THR money wisely so as not to cause financial difficulties in the future.
Understandably, the need to welcome Lebaran is very big. Without good planning, regardless of the THR money you receive, it will probably evaporate without any trace.
Do you already have plans to use THR money this year? Here are 5 allocations of THR money that you need to set aside for THR funds do not evaporate, as quoted from the comparison site and loan application HaloMoney.co.id.
1. Allocate 10-20 percent for savings
Just like a monthly salary, you still need to set aside a holiday allowance for savings. The amount is 10 percent to 20 percent and put into a savings account.
Set aside funds for savings once you receive THR so you are not tempted to use it for other purposes, including daily necessities.
2. New clothing needs, worship equipment, and zakat
After you set aside a savings fund, the next is to pay zakat. In fact you should prioritize funds to pay zakat, if you know the amount of your THR funds mediocre. Because paying zakat is obligatory to be paid by a Muslim, at least before Idul Fitri holidays.
The quantity of zakat follows the provisions of the Amil Zakat Board where you tithe. In this year's Lebaran, zakat with money is Rp 40 thousand per person. This magnitude applies to everyone, young and old to newborns.
While the need for new clothes and worship equipment, the recommended allocation of about 10 percent to a maximum of 20 percent of THR.
If you want to buy new clothes, you should buy them long before Lebaran so the price does not rise high and you are not hit by crowded queues in the shopping center.
3. Idul Fitri and homecoming.
Shopping for Lebaran dinner includes the needs that need to be present when Eid arrives. This dish will certainly add to the joy of all family members on the day nan fitri. Therefore you need to prepare all the needs of the dinner before Lebaran.
In Lebaran food shopping such as cakes, side dishes during Lebaran, to shop for secondary kebutungan like decorating the house, you should use THR money carefully. Calculate the various needs that are needed only, and avoid spending something unnecessary and seem excessive.
As for the needs of going home, such as transportation tickets, gasoline, or other preparations on the road, you should not take from THR funds. But you have allocated from the savings that you have collected since several months earlier.
4. Allocate THR to Workers at Home and Angpao
Generally, the allocation for all these needs can reach 50-60 percent of all the THR you receive. Preferably, when receiving THR, you immediately enter into several separate envelopes for THR and angpao Lebaran receivers. That way, you already have a certain allocation of THR angpao so you do not raise funds unexpectedly.
5. Remaining THR allocation to pay off current debts
If you still have debt, must be paid immediately, try to allocate THR funds to repay the debt. For example, paying credit card bills the previous month that you have not paid off. Of course you want the celebration of Eid fitri between you and your family, not to be bothered by debt problems.
If you do not have the debt that needs to be paid immediately, allocate funds for investment, savings, or add emergency funds. That way, you can just in case if your daily needs one day is not fulfilled from the monthly salary.
