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Anto started thingking. Okay...., such was because
he spent most of his money to treat his family.
Also this was his first time working. Within the
coming months, his finance would be better.
The second month, he got his salary again. Still
in the same amount. No raise yet. The difference
was no more treating the family. Days and weeks
went by. A few days before his third salary, he
only had Rp 75,000 left.
Three months passed by, he was finally accepted
as permanent employee. He got a Rp 150,000 raise
to Rp 750,000. "Not bad", Anto thought. This meant
that I would be able to "breath" and save a little.
But strangely, a few days before even one month
period ended, his still had only little money left.
The sixth month, the seventh month, the eight month,
although he got a raise, but he still ran out of
money and could not put any into savings.
As a matter of fact, Anto is not the only one,
whose income is under Rp 1m, with this problem.
Even people with millions per month income still
have trouble saving money.
What is really happening? Many people think that
by getting a raise, they will not run out of money
in the middle of the month and they can save for
sure. Every month they hope that they will get a
raise the next months. But after they really get
a raise, they still run out of money.
It is clear that the solution here lies not on
how big your income is. The amount of your income
does not guarantee that you will not run out of
money in the middle of the month. The size of your
income does not guarantee that you will be able
to save. The key here is not how much money you
make, but how you manage your income so that it
can be stretched in a one-month period.
There is no fixed way on the right method to manage
your finance. However, based from experiences, there
are several things that can help you manage your
finance well each month:
