Are you unemployed? It must taste bad. Earnings instantly stopped, no monthly inflows as usual.
Of course these conditions will have an effect on your personal finances. Grateful to have emergency funds, daily expenses are still bclosed isa.
What if there is no emergency fund, or savings at all, then the ends are looking for loans. Actually got aYou know no emergency funds, you're currently unemployed.
You need more extra money in managing your finances. Every rupiah you have should be used as best you can, especially for m…meet daily necessities.
It could be the last money you've got. Therefore, it needs to be managed wisely to be sufficient to survive sampai got a new job.
Here's how to manage finances while unemployed without savings and emergency funds:
1. Create a priority expenditure list
You need to be aware of no more inflows, emergency funds, and savings as reserve funds. So, don't be barbaric in memespend money.
Immediately make spending priorities. Give priority to expenditures whose nature is mandatory or cannot be delayed, such as eating and drinking, pay off debt installments, pay for expenses, child education expenses, buy electric tokens and pay water bills.
Allocate 50 percent of your money for those expenses. For example, there is a remaining salary of Rp. 5 million, so that is used as a depositar Rp 2.5 million.
Gratitude is debtless, or more irrational in the use of electricity and water, so the cost can be suppressed.
2. Save on meal expenses
The next step for you to have enough money is to save on a meal budget. Saving money doesn't mean having to eat instant noodles continuously during be unemployed.
Eating is an important requirement, it cannot be eliminated, yet it can be reduced or lowered in quality. For example, from sebThe eum has three meals a day, so it's twice a day. Or from what used to be chicken, fish, or meat were replaced with tofu tempee.
Buy even the pang material doesn't need a brand name. Find ones that are cheap or precipitate, but do not diminish the taste. e.g. minfried yak, soy sauce, sugar, rice, or other.
Then cook yourself at home. Besides being more frugal, it is also healthier and to your taste. Feed budget comes in allocation 50 percent.
3. Forget desire does not matter
Desire is essentially a necessity that can still be put off. When finance is ‘bloody,' don't be selfish about wantingan, let alone make fun of it.
Forget new clothes, new shoes, new cell phones, eating at cafes, canned coffee snacks. It's not a good time squandering money. such a wish is best to be eliminated.
4. Avoid shopping using credit cards
Even though it is in urgent condition, the money has run out, it is best to avoid spending using credit cards. Because if you can't mRoll the bill, the interest will continue to roll.
5. Working part-time
The old money will run out if there is no income at all. For the expenditure or living expenses of the road continue. Because it might be alone you are unemployed not only a month, but two months, three months, even amit-amit-a-year.
If you haven't also received a job call or received a job, don't be selfish about working part-time. Anything you can do while halal, run.
Minimal can earn for daily necessities, such as eating and paying obligations. Like to be freelancers, list to be driver ojek or online taxis, resellers, and others.