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| Young couples can follow the financial management tips from the UMM lecturer (Photo: Special). |
Finances often become a source of problems in a household. It has even been a trigger for many divorces. However, finances are one of the crucial foundations that must be managed wisely, especially by young couples. Seeing this, Ratya Shafira Arifiani, S.AB., M.M., as a lecturer in management at Muhammadiyah University of Malang (UMM), conveyed that achieving stable finances requires good management right from the beginning of marriage.
According to her, it is necessary to discuss financial views and priorities comprehensively before getting married. This includes strategies for managing savings, fund allocation, and expenditures. The goal is to avoid extravagant behaviour that can harm the family's finances in the future.
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"Every couple has different understandings. Thus, openness is the key to managing family finances. This is not only about income but also about savings, assets owned, and others," she added.
Further, it is important to establish a structured monthly budget. In this case, it can involve the couple in discussing priority budget items and those that must be limited. For example, budgets for basic needs, such as electricity and water, as well as monthly allocation of funds for social needs.
Furthermore, Ratya emphasizes the importance of only using an emergency fund in urgent situations. Regularly setting aside a portion of the salary for an emergency fund is crucial, both in cash and in a separate account. Of course, this method will help build family financial resilience.
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"Managing emergency funds can also be in the form of gold investments. The reason is that gold investment with stable prices can be an alternative for those who want low-risk levels. However, this is still adjusted to the abilities and needs of each couple," she explained.
Moreover, mutual funds provide easy access for young couples to plan their finances. They were especially considering the availability of many applications. This makes it easier for young couples to open funds and plan investments more efficiently.
In conclusion, she emphasizes the importance of financial planning before marriage. It is not only a financial investment, but also a long-term investment in the relationship. "Consistency, commitment, and openness in managing finances will help young couples build a solid future," she concluded. (lai/wil/fajr)
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