US 50/30/20 breaks in Indonesia if you treat “family support” as wants. Here’s the mod that survives THR, arisan and BPJS without guilt.
Formula Mod
- 50% Needs: kos/kontrakan, makan, transport, BPJS, family support (cap 15% income — automate tanggal 1).
- 30% Wants: makan cantik, skincare, nonton — bukan paylater.
- 20% Save: emergency → invest (SBN/reksadana). Jika gaji Rp 8M, ini Rp 1.6M.
THR Rule
THR bukan bonus shopping — bagi 50% invest, 30% utang, 20% joy. No upgrade kos/gadget dari THR.
Arisan Hack
Anggap arisan sebagai needs jika sosial vital, tapi cap Rp 300k dan masukkan ke 50%. Jika arisan >20% wants, you’re saving backwards.
Bottom line: Budget that respects culture lasts. Automate di Jago pocket 3-3-2.