Islamic banking finance economy
by islamicbankingfinanceeconomy.blogspot.com
Finance Planning in Ramadan and Eid
Fasting and Eid tradition repeated each year. This was the period when incomes increase and at the same time spending also increased.THR existence for employees, and the increase in sales for merchants led to an increase in people's income.
On the other hand, expenses also increased. Ranging from food and beverage shopping, especially for iftar, shopping for clothes and new shoes, the cost of transportation back and forth, giving gifts and gifts, to the rising cost of telephone communications, including SMS.Increase in revenue and expenditure patterns that have been running this year, should be anticipated in order to avoid big wedge of the pole. Often there is an increase expenditures greater than the increase in revenue that after Eid instead of debt has not few in number.To anticipate this, the expenditure was to be planned more carefully. First, the identification of components that are usually the most substantial expenditure. For those who are going home, transportation cost component was the one that used to be the largest component, especially when the need to use aircraft. To get around this, preferably air ticket had been purchased well before Eid. Nine months or later than six months prior to the Lebaran preferably air ticket has been purchased to get a cheap ticket. If not possible to buy all at once for the whole family, then buy one or two tickets for each month ranging from nine months before the Eid. Thus it is estimated the entire ticket has been purchased in advance at a low price.Second, do not pile up all the expenses during the period of Eid. Often various activities stacked before Eid. Ranging from painting the house, buy new furniture, new electronics, also goods tableware new drink. Of course it will feel heavy when all spending is done in one month alone. To get around this, the activity should be spread in other months. To paint the house for example, three months before Eid so that it still looks new when widths. To purchase equipment even eat and drink can be purchased gradually. To buy furniture such as a month before Eid.Third, allocate and limit expenditures for iftar outside the home. Imagine if there are five members of the family and everything iftar outside the home. When a person spends thirty thousand rupiah, meaning one hundred and fifty thousand rupiah for one day of breaking the fast. Customize with financial capability, choose specific days for iftar with family outdoors.Fourth, set aside a minimum of ten percent of THR to increase family savings. The urge to spend THR is usually very large, so it would be wise if when receiving direct THR to set aside a tenth of the savings that will be very useful after the party after the joy of Eid.
On the other hand, expenses also increased. Ranging from food and beverage shopping, especially for iftar, shopping for clothes and new shoes, the cost of transportation back and forth, giving gifts and gifts, to the rising cost of telephone communications, including SMS.Increase in revenue and expenditure patterns that have been running this year, should be anticipated in order to avoid big wedge of the pole. Often there is an increase expenditures greater than the increase in revenue that after Eid instead of debt has not few in number.To anticipate this, the expenditure was to be planned more carefully. First, the identification of components that are usually the most substantial expenditure. For those who are going home, transportation cost component was the one that used to be the largest component, especially when the need to use aircraft. To get around this, preferably air ticket had been purchased well before Eid. Nine months or later than six months prior to the Lebaran preferably air ticket has been purchased to get a cheap ticket. If not possible to buy all at once for the whole family, then buy one or two tickets for each month ranging from nine months before the Eid. Thus it is estimated the entire ticket has been purchased in advance at a low price.Second, do not pile up all the expenses during the period of Eid. Often various activities stacked before Eid. Ranging from painting the house, buy new furniture, new electronics, also goods tableware new drink. Of course it will feel heavy when all spending is done in one month alone. To get around this, the activity should be spread in other months. To paint the house for example, three months before Eid so that it still looks new when widths. To purchase equipment even eat and drink can be purchased gradually. To buy furniture such as a month before Eid.Third, allocate and limit expenditures for iftar outside the home. Imagine if there are five members of the family and everything iftar outside the home. When a person spends thirty thousand rupiah, meaning one hundred and fifty thousand rupiah for one day of breaking the fast. Customize with financial capability, choose specific days for iftar with family outdoors.Fourth, set aside a minimum of ten percent of THR to increase family savings. The urge to spend THR is usually very large, so it would be wise if when receiving direct THR to set aside a tenth of the savings that will be very useful after the party after the joy of Eid.
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