Mudik ke kampung halaman dan merayakan lebaran bersama orang-orang tersayang selalu dinantikan setiap tahun. Tentunya, mudik pasti mengeluarkan uang. Untuk itu, yuk pastikan persiapan mudik lancar dan kantong nggak boncos dengan 5 cara jago atur keuangan ini.
Being in Advance According to Sharia: Smooth Mudik, No Overspending, Blissful Eid al-Fitr With These 5 Preparations
1. Make a list of necessary mudik needs
Since there may be various needs for mudik, it's a good idea to make a list of what you need so that nothing is forgotten or overlooked.
You can start with transportation. What transportation mode will you choose? Will you take the train, onboard the plane or drive your own vehicle? If you use public transportation, you can check ticket prices and make reservations in advance. In addition to the possibility of getting cheaper prices, finances are also easier to manage.
You can continue with other needs, such as oleh-oleh for your family back home, food and drink supplies while on the trip, gas costs if you drive your own vehicle, etc.
2. Create Pockets for mudik needs
To be able to manage finances and monitor the use of mudik funds more easily and practically, it's best if you create a separate account for mudik needs.
To make it easy and practical, you can create a Pocket in Jago Syariah. You can create up to 40 Spending and Saving Pockets with Wadiah Yad Dhamanah akad to separate different expenses. Creating 1 or more Pockets for mudik expenses should be no problem.
Each Pocket that has been created has its own Pocket number. The Pocket number is the account number. So, if you have a Pocket for mudik, then all kinds of transactions and payments during mudik can be processed by using the funds that have been allocated into that Pocket.
By having a Pocket for mudik needs, funds are no longer mixed or used for other needs. Likewise, funds for other needs will not be used for mudik needs. There will be no overspending, you won’t be moneyless once mudik is over.
3. Don't forget the emergency fund
It is not only the need for mudik that is important to prepare. Equally important is having an emergency fund while going back to your hometown. This is because during mudik there may be unexpected things. But, if you already have an emergency fund, you can deal with them more quickly and without the need to dip into other savings.
You can choose between the Sharia Deposit and Saving Pocket as a place to save your emergency fund in Jago Syariah. The Sharia Deposit is suitable for those of you who are often tempted to use money in savings and want to get a competitive profit sharing ratio since the product uses Mudharabah Muthlaqah akad. You can withdraw your Sharia Deposit prematurely without any early withdrawal fees, so it is very suitable as a place to keep your emergency fund.
And, with the Sharia Deposit that can be created up to 20 Pockets, you can have a total of 60 Jago Syariah Pockets.
4. Allocate funds ahead of time
Part of the allocation of funds for mudik can be taken from the THR. But if you think waiting for the THR is too long, you can also start saving money from now on. Every day, you are getting closer to reaching your savings target for mudik.
To make it more practical and hassle-free, you can take advantage of the automatic saving feature in your mudik Pocket. When it’s time for mudik, all you have to do is change the function of the Pocket from a Saving Pocket to a Spending Pocket to pay for all kinds of expenses while going back to your hometown.
If you’ve had enough mudik funds before receiving the THR, you can save all your THR. But if saving is only halfway through, you can set aside part of the THR so that the funds can be collected quickly.
5. Avoid carrying lots of cash
To avoid being moneyless after mudik, one more preparation you can do is avoid carrying a lot of cash. When carrying cash, we are more easily tempted to buy many things.
Seeing typical hometown food, you are interested in buying it because you can easily take cash in your wallet. Seeing something else, you also want to buy it. Oftentimes, carrying a lot of cash encourages us to buy something we don't really need.
Instead of carrying a lot of cash, you can just bring your Jago Syariah Visa Debit Card. By linking the card to the mudik Pocket when it has turned into a Spending Pocket, you can control expenses better. You can only use the money that is in the Pocket.
But there are a prerequisite. If the balance in the mudik Pocket is reaching zero, no more money can be added. Only in this way, overspending can be avoided.
Let's start preparing for mudik from now on. With Jago Syariah, you can save and spend according to sharia principles.
