Financial Education Artinya – Congratulations to those who have graduated or graduated to achieve financial goals in 2023! But on your way on the road, continue yourself.
How many things do you manage to give a check mark on the financial checklist above? You have more and more checklist, that means your money is better and developing!
Financial Education Artinya
But if there are still people who haven’t finished, no need to worry! We are upset trying again next year. Seeds have tips!
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This formula has captured TAA Elizabeth Warren and Amitia Warren and Amelia. With this formula, you can divide income for three posts as below:
Of course the percentage may be a referral, but you can adjust to the needs and budgets you have. Important things, don’t forget to get your money to be wise and use the funds you have disciplined.
A financial education consultant said there must be 3 bank accounts to someone. This is to minimize the reasons for strengths and security.
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In dealing with economic situations that continue to restore and basic requirements of basic requirements and prices of basic requirements, parents may be a challenge for parents. But that doesn’t mean it’s impossible. Through the correct strategy, the needs of children’s schools can still be met without confusing the family.
The following are as follows as follows: Some of them are tips from professional planner Rizata Zwestika Rini CFP WMI WPS.
The first step is to evaluate the family finances as a whole. Starting for income expenditure in income, all must be recorded.
“Review how much income a year. Then the school SPP will rise every year, because the funds will rise soon,” Rizta said.
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Often, as a small thing, funds that suddenly become an important role in maintaining family financial stability, especially when economic conditions are uncertain.
“The remaining emergency is that only 30% of Indonesians have an emergency. As a result, they will be reflected here.
This emergency fund may be a savior when it is not necessary for education funds.
“Even though the income is not large, parents must be stable to save and reserve. 100,000 or Rp per month,” he said.
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This savings fund can be placed in a safe financial equipment, and the money market can be registered at OJK such as mutual funds or deposits.
“After the evaluation, the priority scale of family expenses.
School fees are not just a matter of basic money or support rates. Other costs such as equipment, books, supplement activities are still available. This varies based on the level of education and the needs of children.
Therefore, Rizta surrendered that parents will chat directly with the needs of their children. Children can invite children to make a budget to understand feelings more responsible for their choices.
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Purchasing school supplies when the program can be economical, but not tested according to discounts. The quality must remain the main good.
“If the goods are profitable with the promotional method, the use of 3 months, the use of 3 months has been damaged and spent money on new purchases, said Rizta.”
Continue to increase the cost of education continuously for children every year, many parents must be extra careful when planning financial strategies for the future of children. If economic conditions are uncertain, education funds can still be prepared if planned in advance.
Here are a number of tips from financial planners to the most effective preparation for children’s education funds:
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Head of Finance Headquarters of my Finance and Financial Planning Finance, Shayer, the two newest children, are the best time to start preparation for education.
“If the readiness is very tight,” not enough for educational purposes, “Wise CN ම් Ace: .com, Sunday (6/22/2025).
The same thing was brought by the Financial Planner of the Education Planner (BAR), Mike Rumy Sutono. The time is strongly influenced by the preparation of education funds.
Parents who initially began the calculation of the projection of the cost of their children’s education were instructed to have been allocated for around 10 percent of monthly or annual income.
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Mr. Mike said that the amount of funds allocated for the amount chosen and the inflation rate in school fees is very dependent.
As an illustration, if parents are targeting education funds of Rp. 200 million university children (for more than 10 years, Rp. 1, Rp. 1 per year and investment is 8 percent per year).
MAHA ME Financial Planner, Andi Nugoo, suggested that graduates are ready for the investment equipment period for investment equipment.
• Short -term (less than 3 years): Choose low work equipment such as precious metals, deposits, state retail bonds or money market mutual funds.
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The first simple but important step is to suppress the lifestyle of consumption and open a special education account. This helps parents to pay more attention to management and collecting normal education funds.
Financial Industry Expert, Yan Friday, Yan Friday Hando, a habit that is resistant must be violated first. After that, parents can take steps to invest in the investment stage, which can be prepared with inflation.
“The cost of education continues every year. There are no additional costs such as courses, books, school equipment, transportation and benefits,” Yan said.
According to Yen, saving is not enough. Increasing the trigger cost according to inflation is a more relevant strategy.
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He suggested a combination of equipment such as mutual funds, government securities (SBN) and Quin functional education insurance. All three complement each other in long -term education funds.
However, it is also important to understand the risk profile before choosing an investment tool. The general principle of the financial world is greatly increased, high risk. Therefore, for the founders, cash market mutual funds may be a safe and easy initial choice.
Increasing understanding, the type of investment can be increased to mutual funds or other equipment, which is able to provide a type of mutual fund or more results.
In addition to investment, educational insurance companies can be an important tool in financial planning. This product provides life providers as a supplier of main food for parents.
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However, access to higher education is still a big challenge for families with economic boundaries. Most children choose to work more than school education than family income.
The welcome season of new students, the problem of support costs is focused again. Many parents begin to think about how to prepare funds, and children can continue their higher education without obstacles.
If you want to prepare more, the ideal lecture fund is a child. In fact, according to CNBC records, savings can be optimal for optimal results. Here are some tips for funding parents ‘plans more realistic than parents’ plans:
The first step is to find various support costs in the target and campus department. This information can be a benchmark for determining the purpose of savings. Comparison between study programs and universities helps estimate what facilities have been obtained from the funds paid to parents.
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In addition to calculating rough tuition fees, parents must take into account inflation. Increased education costs can occur quite sharply from time to time.
A higher education expert and author of the book Mark Canuntins said about financial assistance from other school assistance. Initially, he proposed to start separating money.
For example, the total support cost of four years is estimated to reach US $ 26,280 or around Rp. 436 million and educational inflation produced 3 percent to 3 percent of children a month at birth (4, 8 million) per month.
In addition to saving manual savings, banks can consider educational savings. Some banks provide special products with special products, competitive interest, and automatic debit characteristics.
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This kind of program is suitable for parents who want to separate funds without worrying about forgetting. Choose a program that suits the financial skills and the target of the Kanak -Kanakak education target.
Sometimes saving is not enough to ease the increase in local costs. Therefore, investment is an alternative to consider.
• Mixed Mixed Mutual Funds: middle to long. This equipment consists of money markets, debt securities and equity benefits of up to 50 percent in 5 years.
• Bonds or money markets: When children are in almost university, investment must be transferred to safety equipment. The University Financial Advisor Investment Strategy will preserve investment strategies under the university. The cash market is usually considered more consistent in this period than binding or shares.
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In addition to saving and investing, education insurance can also be a tool. This product integrates savings with life safety, so that children’s education costs remain safe if something happens.
• Secretary Education Insurance: encouraging life safety with investment in the money market. If there are risks such as death, or stable disturbances, insurance benefits can still be used to finance children’s schools.
● Contact education insurance: a collection of life insurance and investment. This premium is partly reserved for premium investment equipment. Profit
