For those of you who have just graduated from college and got your first job, of course one of the things you are most looking forward to is the payday moment. Yup, can't wait for the results of your own hard work, right? If you previously received pocket money from your parents, but now you can earn rupiah coffers and are independent to meet your own needs.
For those who are getting a salary for the first time, maybe there are many wishes that you want to realize immediately. But be careful, the risk can be greater than the stake because you are still a newbie and don't understand financial control.
For you, fresh graduates are very important to be literate and aware in managing finances, you know. Do not let you make the wrong step and result in always feeling short of money.
However, don't let you not be able to enjoy the results of your own hard work, it's so economical to spend money. Want to know how to allocate salary for fresh graduates like you? Check out the following tips:
1. Separate For Needs
The first thing you must do at payday is to immediately set aside your salary for your needs and fulfill your obligations. These needs include the cost of food, electricity, internet, transportation, and boarding houses for overseas children.
For those of you who have installments, set it aside immediately because this is a definite expense. However, for those of you who are still fresh graduates, try to reduce your installments, especially to buy branded goods.
The percentage for the need for salary is 40% and 30% for installments. This percentage distribution can still be flexible according to your needs and how you want to allocate your own salary.
2. Option To Give to Parents
After fulfilling all your obligations, you can also give a little of your salary to your parents. Lucky if you have parents who are still working, but even so, for most people, this is considered a need to give. It can be in the form of money, gifts, or food. This is considered a form of responsibility and reciprocity.
However, if you are the sandwich generation, setting aside a salary is a must. You can adjust the percentage distribution according to all your family's needs.
3. Don't Forget to Save
In addition to meeting your current obligations and needs, you also need to set aside a salary for the future as well as an emergency fund. Your career may not always run smoothly and smoothly, for that you need to save money and make financial plans. The point is if at any time you resign or get laid off, you don't have to worry anymore.
In addition, for those of you young people who plan to own a house soon and want to pay a down payment on a house, you can start by saving. Savings can be useful as an emergency fund and short-term financial goal. However, for the longer term, you can try investing for retirement funds.
4. Set aside for charity
If your salary is not too much, then there is no need to force charity in large amounts and nominal. Give according to your ability and the most important thing is sincerity in giving. By doing charity, you can feel more useful because you can share with others in need.
5. Don't Forget Self Rewards
After everything is fulfilled, don't forget to thank yourself for working hard. You can give yourself a gift. However, stay within reasonable limits and not too often. You need to be able to control yourself and not be too wasteful.
Are you confused about how to divide your salary allocation? Remember, this percentage division is still adjusted to your needs and abilities. May be useful!