Reserve fund
As someone who has been working, if you constantly do not ever have the cash in your savings account? If the answer is YES, you ENOUGH dangerous situation.
“Have a reserve fund to pay for family expenses during the next few months in case something happens to your revenue sources.”
So, what to do? Very simple: have a reserve fund! In order to reserve funds is to pay your expenses for not getting a job or to pay urgent purposes.
How big is the amount of reserve funds should be held? Yes, for family expenditure for several months. Consider it if you got laid off, you will live from a reserve fund for several months before finally getting a job again. How much? Ideally about 2 to 6 months of spending your family or can be adjusted to your comfort.
So, if your family expenditure currently Rp.2 million per month, you must have a reserve fund amounting to Rp. 64hingga 12 million. Take the example of a reserve fund amounting to Rp.12 million. This means, if you got laid off today and do not get severance pay, you still have money to pay pengeluaranpengeluaran family for 6 months ahead even though you are not paid anymore.
So, what are you waiting? Have Insurance and Reserve Fund now! Do not until you experience the risk of life or you have been laid off and not get severance pay, your passion, your family was miserable.
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