{"id":243408,"date":"2025-03-22T11:06:34","date_gmt":"2025-03-22T04:06:34","guid":{"rendered":"https:\/\/nawacita.co\/?p=243408"},"modified":"2025-03-22T09:26:18","modified_gmt":"2025-03-22T02:26:18","slug":"jangan-boros-begini-4-tips-atur-thr-agar-nggak-cuma-numpang-lewat","status":"publish","type":"post","link":"https:\/\/nawacita.co\/index.php\/2025\/03\/22\/jangan-boros-begini-4-tips-atur-thr-agar-nggak-cuma-numpang-lewat\/","title":{"rendered":"Jangan Boros! Begini 4 Tips Atur THR agar Nggak Cuma \u2018Numpang Lewat\u2019"},"content":{"rendered":"

Jangan Boros! Begini 4 Tips Atur THR agar Nggak Cuma \u2018Numpang Lewat\u2019<\/h1>\n

Jakarta, Nawacita<\/a><\/strong> | Tunjangan Hari Raya (THR) sering kali terasa seperti “numpang lewat” di rekening. Padahal, dengan pengelolaan yang bijak, THR bisa dimanfaatkan tidak hanya untuk pengeluaran Lebaran namun juga untuk kepentingan finansial jangka panjang.<\/p>\n

Lantas bagaimana cara mengelola dana\u00a0THR\u00a0yang bijaksana? Berikut beberapa tips yang bisa diterapkan agar dana THR tidak sekadar numpang lewat, menurut Profesional perencana keuangan sekaligus pendiri Mitra Rencana Edukasi, Mike Rini Sutikno:<\/p>\n

1. Sisihkan untuk dana darurat<\/strong><\/p>\n

Supaya tidak sekadar numpang lewat, menurut Mike, THR dapat disisihkan untuk dana darurat. Besarannya minimal 10 persen dari THR yang diterima, sehingga jika dana THR yang diterima Rp5 juta maka Rp500 ribu disimpan untuk dana darurat.<\/p>\n

\u201cDengan kondisi ekonomi yang tidak menentu, PHK di mana-mana, memiliki dana cadangan atau dana darurat itu sangat penting. Apalagi buat Anda yang mungkin dana daruratnya baru cukup untuk satu bulan, sebaiknya simpan minimal 10 persen dari THR untuk dana darurat,\u201d ujar\u00a0Mike.<\/p>\n

2. Prioritaskan pengeluaran wajib<\/strong><\/p>\n

Mike menekankan pentingnya menyusun skala prioritas dalam pengelolaan dana THR. Langkah pertama yang harus dilakukan adalah mengalokasikan kewajiban utama seperti zakat fitrah, zakat harta, makanan hari raya, dan pakaian.<\/p>\n

Baca Juga:\u00a0Rahasia Bugar Selama Puasa, Terapkan Tips 3T Olahraga Ini!<\/a><\/strong><\/p>\n

\u201cDana THR yang pasti utamakan dulu untuk yang wajib. Zakat fitrah itu kan wajib ya, kemudian ada zakat harta bisa dicek juga sesuai kemampuan masing-masing. Terus pengeluaran yang pasti saat Lebaran\u00a0itu makanan, karena kan rasanya kurang afdol kalau\u00a0enggak<\/em> masak, dan mungkin pakaian,\u201d kata Mike, pada Senin (17\/3\/2025).<\/p>\n

3. Pisahkan THR dari gaji bulanan<\/strong><\/p>\n

Agar pengelolaan dana lebih terkontrol, Mike menyarankan agar pengeluaran selama lebaran hanya menggunakan dana THR dan tidak mengganggu gaji bulanan. Menurutnya, gaji harus tetap digunakan untuk kebutuhan rutin bulanan berikutnya tanpa terganggu oleh pengeluaran bulanan.<\/p>\n

\u201cPisahkan gaji untuk pengeluaran bulanan. Jangan sampai kita lepas kontrol, dan sampai menggunakan gaji untuk kebutuhan lebaran, itu pada akhirnya akan mengganggu finansial kita ke depannya,\u201d kata Mike.<\/p>\n

4. Rencanakan mudik dengan matang<\/strong><\/p>\n

Bagi yang hendak mudik ke kampung halaman, Mike menyarankan agar menyusun rencana anggaran mudik yang sesuai kemampuan finansial. Hal ini penting agar anggaran mudik tidak menguras seluruh THR, apalagi sampai mengganggu kebutuhan setelah lebaran.<\/p>\n

Jika memang dana mudik sangat besar, idealnya sudah mulai disiapkan sejak jauh hari, sekitar 10 bulan sebelumnya sehingga tidak sepenuhnya bergantung pada dana THR. rpblk<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Jangan Boros! Begini 4 Tips Atur THR agar Nggak Cuma \u2018Numpang Lewat\u2019 Jakarta, Nawacita | Tunjangan Hari Raya (THR) sering kali terasa seperti “numpang lewat” di rekening. Padahal, dengan pengelolaan yang bijak, THR bisa dimanfaatkan tidak hanya untuk pengeluaran Lebaran namun juga untuk kepentingan finansial jangka panjang. Lantas bagaimana cara mengelola dana\u00a0THR\u00a0yang bijaksana? Berikut beberapa […]<\/p>\n","protected":false},"author":1459,"featured_media":243409,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[90138,92145,91626,92146,92144,31103],"class_list":{"0":"post-243408","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-lifestyle","8":"tag-lebaran-2025","9":"tag-mengelola-keuangan","10":"tag-thr-2025","11":"tag-thr-numpang-lewat","12":"tag-tips-atur-thr","13":"tag-tunjangan-hari-raya"},"yoast_head":"\nJangan Boros! Begini 4 Tips Atur THR agar Nggak Cuma \u2018Numpang Lewat\u2019<\/title>\n<meta name=\"description\" content=\"Jakarta, Nawacita | Tunjangan Hari Raya (THR) sering kali terasa seperti "numpang lewat" di rekening. 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