Jakarta, Armfalcon.com – Salary equal to UMR is often called mediocre, and sometimes it also makes it difficult for a person to set aside money for savings and others.
The thing that has always been the main focus of those who are barely paid is to find a new job with a higher income. Because it’s no secret, a good income is the solution to every financial problem that exists.
However, finding a new job with the desired salary is certainly not as easy as turning your palm. Sometimes you have to wait a year, two years, or maybe even longer.
While trying to find a job to increase your income, do some of the financial management tips below so that you are no longer wishful thinking.
Control Your Desire
Everyone certainly has different desires because what they like is also different. It’s not wrong to save or use the money we have for things we like as long as it’s in proportion.
Just allocate a maximum of 10% of your salary per month to buy or do things you like. So that in the future, you can return to the spirit of work.
Have an Emergency Fund
Record expenses in as much detail as possible to find out the amount of your expenses in a month. And start saving an emergency fund every month with 10% of income until you have accumulated the equivalent of up to six monthly expenses.
For those of you who are single, an emergency fund equivalent to three times your monthly expenses is certainly sufficient. But for those of you who are married, provide at least six times the monthly expenses.
Ensure Active Health BPJS Membership
With BPJS Health, you will not spend money if you have to undergo a treatment process, either outpatient or inpatient. Make sure your workplace always pays your BPJS Health contributions, because if you don’t, you won’t be able to use the free medical treatment facilities.
So what’s up with insurance? Is it necessary for people with a minimum wage to buy health insurance?
Considering that his income is still relatively mediocre, health insurance is not mandatory as long as he has BPJS. Just allocate your funds for the things below.
Neck Up Investments and Long Term Investments
If you really want a job with a better salary, then know that you won’t be able to get it before you want to develop your skills and work skills.
The best investment is actually an investment in yourself. Seek as much knowledge as possible so you can get new skills that will support your performance in the world of work.
And focus your investment in financial instruments for the long term first. Call it like a pension fund. There is no need to worry about putting off short-term desires in order to get optimal results in the future.
Buya Hamka: Wealth is not the source of salvation