BANDUNG – Despite appearing in the midst of constraints due to the pandemic, bank bjb continues to try to maximize the available facilities and capabilities to contribute to the community. Contributions not only in the form of services, but also educate the public on post-pandemic financial management.
Recently, bank bjb held a webinar via Zoom with the theme "Managing Finance in the New Normal Era" on Thursday, June 11, 2020. The event presented by financial planner speaker and educator Aliyah Natasya. Around 50 participants took part in the event which was held at 15:00 to 16:30 WIB.
For bank bjb, this event was held as a form of concern for bank bjb in the current condition of Indonesian people. Public is expected to experience a slowing economic situation. Even so, the community must still be able to manage their finance by maximizing the existing income.
In her presentation, Aliyah said, when the Covid-19 pandemic came, social and economic changes followed. This pandemic that globally attacks paralyzes the largest economic system in the world, include the limitations of human interaction which resulted in the restriction of economic activities.
"We must look at the financial condition before and after Covid-19 outbreak began. The changes brought by this pandemic have transform our priorities order in life. So, reset your financial plan and develop an action plan," she said.
To run a financial reset, we must recognize the problem. Then look for positions to be realized. For example, if before pandemics we spend money to fulfill lifestyle desires by up to 30%, we can reduce it, so that funds to meet the basic needs can be increased.
In the new normal era, there are at least three new things that must be considered. Namely financial planning. Then find out the risk profile and money behavior, which is identifying yourself to wisely determine financial products. Finally, prioritizing saving over consumption.
Then how to save money. Aliyah said, start with setting aside at least 10-20% of income directly to savings. Record all income, expenses and investments. Make a budget as a reminder of limits and discipline in spending. Use simple budgeting 50:30:20. Use the Auto Savings feature and specified time period. Try to pay in full for leisure needs and forget the pay later option.
Aliyah also emphasized the importance of building a financial behavior. It starts by training your brain to share life now vs. the future. Then strengthen motivation by knowing the financial goals and effects that will occur. For example, by saving I can make an investment funds for Umrah & traveling. Lastly is the result. For each success in achieving financial goals, give appreciation to yourself. Cheer up to see the numbers add up in your account.
DIVISI CORPORATE SECRETARY