On Organizing Money

A reminder for myself, which might be helpful for you as well, from @PritaGhozie's twitter today:

Sebaiknya sebuah rumah tangga yang ingin punya pengelolaan keuangan yang baik harus membagi dana menjadi 5 pos berbeda.

  1. Giving: rekening ini isinya untuk menampung zakat penghasilan dan zakat harta yang sudah terkena mishabnya. (Or in my case: tithing).
  2. Living: ini isinya untuk bayar tagihan listrik, beli makanan, bayar uang sekolah anak, dan lainnya.
  3. Emergency Fund: ini isinya untuk dana darurat yang bisa diambil sewaktu-waktu saat dibutuhkan. 
  4. Saving: pakai rekening ini untuk melakukanp roses menabung dan investasi bulanan.
  5. Playing: rekening ini bisa dipisahkan untuk suami & istri, agar bebas melakukan pengeluaran pribadi yang disukai. Contohnya ke salon, belanja, dll.
They say that ideally these five posts need five different bank accounts. However you can always make mental bank accounts and keep tidy bookkeeping, right?

Have fun planning your financial life!

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