By 
BANDUNG, BEREDUKASI.Com — Seharusnya, saat ibadah puasa saat ini, masyarakat bisa mengirit pengeluaran. Sebab, kita dari pagi sampai sore puasa alias tidak makan dan minum. Logikanya, alokasi uang jajan dan biaya makan selama bulan puasa lebih sedikit.
Namun, yang terjadi di masyarakat Indonesia pada umumnya jauh berbeda. Selama bulan Ramadhan, justru kebutuh masyarakat semakin meningkat, aktivitas transaksi keuangan meningkat. Butuh tambahan pendapatan agar tidak jebol.
Belum lagi pengeluaran saat menyambut Hari Raya Lebaran yang harus diantisipasi. Selain butuh untuk menyediakan masakan istimewa, kamu juga harus siap-siap mengalokasikan dana THR untuk sanak keluarga.
Perlu strategi khusus dalam mengelola keuangan saat Ramadhan dan menyambut Lebaran. Berikut beberapa strategi yang bisa kamu pakai
- Siapkan budjet khusus berbuka
Biasanya undangan bebuka puasa saat Ramdhan antre. Kalau gratisan sih tidak apa-apa, tetapi kalau berbayar, kamu harus selektif, jangan sampai berlebih. Siapkan dari awal, berapa persen atau berapa uang yang akan digunakan untuk berbuka puasa
- Belanja tanpa emosi
Godaan diskon jelang Lebaran pasti meningkat. Begitu juga godaan belanja makanan baik untuk berbuka sendiri maupun keluarga. Salah satu cara untuk mengurangi emosi belanja adalah dengan berangkat dengan daftar yang sudah dibuat, dan tidak dalam keadaan lapar.
Hitung kebutuhan, bukan keinginan
Berbuka puasa di rumah bersama keluarga dengan menu sederhana justru akan lebih bermakna dan murah di kantong. Gadget baru juga belum tentu perlu kamu beli hanya karena kamu akan mudik ke kampung halaman.
- Gunakan Fitur Transaksi Keuangan
Salah satu tips untuk mengendalikan pengeluaran adalah memanfaatkan fasilitas perbankan. Jangan membawa banyak uang tunai saat berbelanja. Simpan uang tunai anda di bank dan manfaatkan fasilitas dan fitur-fiturnya.
Apalagi Perbankan saat ini mempunyai banyak fitur transaksi keuangan untuk mendukung berbagai aktivitas transaksi.
Salah satu perbankan nasional yang bisa melayani seluruh kebutuhan transaksi nasabah adalah bank bjb. Bank bjb mempunyai produk unggulan berbasis teknologi yaitu bjb digi. Senior Vice President Corporate Secretary Bank BJB, Hakim Putratama, bjb DIGI, sebuah aplikasi perbankan elektronik yang terintegrasi pada smartphone berbasis Android OS, BBOS, dan iOS. bjb DIGI sebenarnya adalah sebuah rebranding dari berbagai layanan yang sudah tersedia di Bank bjb sebelumnya.
Maka dari itu, nasabah pun bisa merasakan berbagai keuntungan dengan mudah, cepat, aman, nyaman, dan hanya dengan sentuhan jari.
- Sisihkan Dana Cadangan untuk Setelah lebaran
Jangan lupa masih ada kehidupan normal setelah Lebaran. Apalagi yang sudha punya anak sekolah. Setelah lebaran ada kebutuhan lain yang harus disiapkan. Kamu harus menyisihkan sebagian dari penghasilan untuk dana setelah Lebaran. Jangan sampai saat Anda pulang dari kumpul keluarga, kamu malah kehabisan uang karena tidak punya persiapan. Kamu bisa menyimpan uang ini di bank tempat Anda menabung dan mendisiplinkan diri untuk tidak menggunakan ATMnya. ***
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